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Personal Contract Purchase


Offering the opportunity to choose between three options at the end of your agreement makes this our most popular finance product for New and Approved Used BMWs.


We understand that when you take out a finance agreement, you may not be sure what you will want to do at the end of it. This product is perfect if you are looking to combine flexibility with low monthly payments.


Begin by choosing the model that is right for you. Then, decide how much you are able to put down as a deposit, how long you want the agreement to last (between 24 and 48 months) and what your average annual mileage is likely to be.

Next - and this is what really sets BMW Select apart – we take a portion of the cost of your vehicle and freeze it until the end of your finance agreement. This becomes your optional final payment and also reduces your monthly payments.^

To work out the size of this optional final payment, we use our expertise to estimate what your vehicle will be worth when your finance agreement ends. This is why we also refer to it as your vehicle's Guaranteed Future Value (GFV).


Deferring part of your vehicle's value until the end of your agreement could make your monthly payments significantly smaller. Giving you the flexibility to opt for the right model within your budget.


At the end of your agreement, you will be asked to choose between three options:

1. Pay the optional final payment and keep your vehicle.* 

2. Part exchange your vehicle for a new one.** 

3. Return your vehicle and, as long as you have not exceeded the mileage allowance and it has been well looked after, there will be nothing more to pay.***

In both the first two options, if the value of your vehicle is more than what we predicted for you in the Guaranteed Future Value (GFV), you will benefit. If the market value is lower than our GFV prediction, you can choose to return the vehicle to us with nothing further to pay, other than any excess mileage or damage charges.***


*The optional final payment is payable at the end of the agreement if you decide to purchase the vehicle. We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments. **If you part exchange the vehicle for a new BMW, any surplus in the vehicle's part exchange value over the optional final payment (and option to purchase fee) can be used as a deposit towards a new BMW. ***Hand the vehicle back to BMW without paying the optional final payment and option to purchase fee. Additional charges may be payable for both excess mileage (actual mileage higher than agreed contract mileage) and vehicle condition (using the standards set by the British Vehicle Rental and Leasing Association). If your agreement is regulated by the Consumer Credit Act, this contractual option will be in addition to your statutory right to end the agreement early. ^Although the total amount payable for ownership may be higher. Finance is subject to status and available to over 18s in the UK only. Guarantees and indemnities may be required. Finance is provided by BMW Financial Services, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB.

Contact us

Email : mail@bmw-issd.co.uk

Telephone : 0370 700 5209

Company Address :
56 Park Lane

BMW Group VIP Sales are a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 667783

Registered in England & Wales with company number : 01569304 | Data Protection No : Z5813613 | VAT No : GB584451913

Registered Office : Park Lane Limited, company secretary, Summit One, Summit Avenue, Farnborough, Hampshire, GU140FB

Disclaimer: All vehicle images and descriptions are for illustration and reference purposes only, all vehicle leases are subject to credit approval and subject to change at any time. E&OE.

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