Bank · FDIC insured
BMW Bank of North America Auto Loan Rates
BMW Bank of North America auto loan rates start at 2.49% APR. Rates checked October 22, 2026.
How BMW Bank of North America’s auto loan rates compare
Compared with banks and credit unions in Utah, where BMW Bank of North America has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
BMW Bank of North America
– –
- Terms
- —
No ongoing APR published
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
2nd-lowest rate
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
BMW Certified Pre-Owned Financing
Financing for BMW Certified pre-owned vehicles through BMW Financial Services NA, LLC. Vehicles must be 5 years old or newer with less than 60,000 miles, undergo a comprehensive inspection, and have an up-to-date maintenance history.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Valid through November 2, 2026 on all 2021-2024 BMW Certified Pre-Owned models (excluding 2022-2024 EVs). Requires 36 monthly installments of $29.97 per $1,000 financed. No down payment is required for well-qualified customers with excellent credit history. |
| up to 72 months | 2.49% | Valid through November 2, 2026 on all 2022-2024 BMW Certified Pre-Owned iX models. Requires 72 monthly installments of $14.97 per $1,000 financed. No down payment is required for well-qualified customers with excellent credit history. |
| up to 72 months | 2.99% | Valid through November 2, 2026 on all 2022-2024 BMW Certified Pre-Owned i4, i5, and i7 models. Requires 72 monthly installments of $15.19 per $1,000 financed. No down payment is required for well-qualified customers with excellent credit history. |
| up to 36 months | 4.75% | Applies to all BMW Certified Pre-Owned models at $29.86 per month per $1,000 financed. No down payment required. Valid 12/02/25 - 01/02/26 for qualified customers with excellent credit history. |
Sources (3)
- bmwusa.com/certified-preowned/cpo-special-offers.html
- bmwusa.com/financial-services/faq.html
- bmwusa.com/financial-services/financing-program.html
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.