Finance Center
Finance
The finance department experts at BMW of Spokane are focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over the area, including Spokane, Spokane Valley, and Liberty Lake, Washington, to ensure our customers get the right finance program at a fair rate.
Our team at BMW of Spokane strives to work with each customer to ensure their satisfaction and has worked with drivers like you in the area and beyond.
Whether you are right down the road or an hour away, you’ll get professional-quality service with a smile. Learn more about what we have to offer your financing journey when you read all about our financial services.
Leasing vs Buying: The Big Differences
When it comes time to pursue your next BMW and the payment plans associated, you’ll have two main options: leasing or buying. When you come in, our professional financiers will explain everything in detail, but the basic differences are:
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Buying
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Leasing
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As you can see, buying your BMW is for those who want a vehicle for the long haul and are prepared for the commitment that comes along with it. This means you’ll also have more room to make the vehicle your own. You have a full range of customizing the vehicle, such as adding accessories.
The car is yours entirely, meaning that when you’re done driving it, you have the opportunity to sell it or trade it in if you like. There’s no limit to how far you can drive either; the ball is completely in your court.
Leasing is for those who want to stay on top of the latest automotive technology because, with a leasing program, you can return a car and then get the latest model every couple of years. Vehicles depreciate in value the older they are, and leasing means you can stay ahead of it all easily.
It does mean that you have to follow the rules of a contract since you’re essentially renting the car, but you do have the benefits of potentially less expensive payments.
So, if you’re looking for smooth drives with potentially lower monthly payments and fewer strings attached, leasing would be a great payment path to follow.
Learn more about both possibilities with our team.
Check Out Our Current Promotions Available Here
Our team is committed to getting you a fair offer, so make sure you investigate all our specials. You may qualify for some of our BMW incentive programs, such as:
- BMW College Graduate Program: If you’re a recent college graduate, you could qualify for $1,000 off a new or BMW Certified vehicle.
- BMW Military Incentives: If you are active-duty military, a military retiree, a veteran, or a family member, you could qualify for incentives toward a new vehicle purchase or lease.
- BMW Tax Advantage: if you’re planning on using your BMW X5, X6, or X7 exclusively for business, you could qualify for tax advantages on your purchase.
Plus, that’s just the start. There are also incentives to explore when you shop for electrified models, including mild hybrid, plug-in hybrid, and fully electric, so look into the tax advantages available with that side of our inventory.
Be sure to check out the qualifications listed on our website to see if one of our programs can apply to you.
If you do, or if you have any questions, feel free to call us. We’re always excited to hear from you and help out in any way we can, so make sure you know all the ins and outs of our promotions.
Other Specials You May Want to Pursue
Apart from the programs that you can utilize, you can take advantage of specials for:
- Leasing
- Used Inventory
- Certified BMW inventory
If you want to lease your BMW, we also offer monthly lease specials with different term rates, down payments, etc. Our lease specials are always changing, so check back frequently to find an offer that works great for you. If you don’t see one today, then check back again tomorrow!
There are also specials that we have to offer for used vehicles in our inventory offered on a rolling basis. If you’re looking into a previously loved ride, see how we can help you get behind the wheel.
When you shop for a BMW Certified vehicle, you can check out the promotions we have to offer for those models. Check out both our rolling promotions and incentives, such as no payments for a set period, cash bonuses, and more.
Explore all the possibilities of how we can help you get the right financing for your next ride, whatever it may be, through our rolling promotions and specials.
Make Use of Our Convenient Online Tools
Because we respect your time and schedule, we offer a variety of online tools you can access from your phone or laptop. So, whether you’re in your home office or sitting on your couch, you can try checking out our:
- Payment Calculator: Using this tool, you can estimate your monthly payments. Play around with it to see what kind of payment and term combinations might work best for you.
- Value Your Trade: Planning on trading in your current vehicle to help finance your next one? Check out our online value estimator! This can help you get a good idea of what your current vehicle is worth.
- Online Finance Application: Do you know exactly what you want and what you want to pay for it? Go ahead and apply for financing ahead of time. This can save you time, and who doesn’t love that?
Our goal is for you to have a streamlined experience, so we’ll do everything we can to help with the financing process. The less time you spend with us, the more time you can spend on the road, so be sure to check out all the amenities laid out on our website for your convenience.
Online Shopping
Along with these finance tools, which can help you estimate possible payments and financing plans that may be right for you, you can start your financing journey on our inventory page.
Whether you’re shopping new or pre-owned, we provide upfront pricing information to help you make an informed decision about your next car. Check out the prices listed on our website or contact our team to learn about them.
From there, you can start towards a pre-qualification, where we can give you an estimate of different payment plans that might be right for you based on the BMW that you have your sights set on.
Our finance team is always on hand to answer your questions, so be sure to get in touch with any of the resources we have to offer.
Work with Our Finance Center at BMW of Spokane
Picking out your next BMW is only the first step in the car-buying process, and we want to help with every step after that. When you work with our finance center at BMW of Spokane, you’ll get help from experienced professionals who are ready to help you get the right financing plan.
Come in and see for yourself or explore our website the next time you’re in the market for a BMW around Spokane, Spokane Valley, and Liberty Lake, WA. Contact our team today!
| Monday | 8:30AM - 7:00PM |
| Tuesday | 8:30AM - 7:00PM |
| Wednesday | 8:30AM - 7:00PM |
| Thursday | 8:30AM - 7:00PM |
| Friday | 8:30AM - 7:00PM |
| Saturday | 8:30AM - 7:00PM |
| Sunday | 10:00AM - 5:00PM |
| Monday | 7:30AM - 5:30PM |
| Tuesday | 7:30AM - 5:30PM |
| Wednesday | 7:30AM - 5:30PM |
| Thursday | 7:30AM - 5:30PM |
| Friday | 7:30AM - 5:30PM |
| Saturday | 8:00AM - 4:00PM |
| Sunday | Closed |
| Monday | 7:30AM - 5:30PM |
| Tuesday | 7:30AM - 5:30PM |
| Wednesday | 7:30AM - 5:30PM |
| Thursday | 7:30AM - 5:30PM |
| Friday | 7:30AM - 5:30PM |
| Saturday | 8:00AM - 4:00PM |
| Sunday | Closed |
Auto Loans
The BMW of Spokane finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Spokane, Spokane Valley, and Missoula to ensure our customers get the right finance program at the most competitive rates.
We strive to work with each customer to ensure their satisfaction. We have financed customers from Liberty Lake to Coeur d'Alene. Whether you are right down the road or an hour away from Spokane you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.
How is your credit?
Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.
The BMW of Spokane loan process can help you find the best interest rate for your next vehicle purchase.
Try our FREE credit application today!
Great New Vehicle APR!*
Competitive Used Vehicle Rates*
We have hundreds of new and used BMW vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.
Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!
Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of BMW vehicles currently available for immediate delivery.
Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.
To get started, fill out our FREE credit application online.
Once the application is completed, the BMW of Spokane finance team will put together a loan package that is tailored specifically for you.
Our Financial Services Include:
- Competitive rates direct from the manufacturer and local Washington banks
- Quick approvals
- Value-added services to protect your vehicle investment
- Extended warranty programs
- And many more finance programs to fit your needs
We are always happy to answer your questions so please don't hesitate to contact us today!