What is BMW Select?

Man Signing Document at Car Dealership

Ballwin area customers often ask our finance experts, “What is BMW Select and how can it help me?” The BMW Select Program combines the benefits of traditional financing and leasing, which means you get the best of both worlds when you purchase your next luxury vehicle. Are you curious to see if BMW Select is right for you? Take a closer look at the benefits of BMW Select Financing.

How the BMW Select Program Works

BMW describes the plan as “a retail installment sales contract with a balloon payment”, so how does that translate into your finance plan?

  • Though you purchase the vehicle in installments, a portion of your purchase balance is added to the end of the contract – the final “ballon payment”.
  • This process brings down the cost of your monthly payments, so you get the reduced costs of a lease combined with the ownership benefits of a financing plan.
  • At the end of the contract, you have options. You can pay off the balloon payment or refinance if you’d prefer.
  • The final balloon payment will depend on factors like the estimated future market value of a financed vehicle, creditworthiness, and contract terms.

Keep in mind that the BMW Select Program is not available in states like IL, NC, ND, NH, NV, PA, TX, and WV.

Is BMW Select Right for Me?

BMW Select Financing has unique benefits that you won’t find from just leasing or financing alone. Some of the many benefits of BMW Select include:

  • Flexibility: Your end-of-term options aren’t set in stone, so you have greater flexibility overall.
  • NoReturn Process: No need to worry about end-of-lease inspections, wear and tear penalties, or other stressful procedures.
  • No Mileage Restrictions: Feel free to drive through Des Peres and Ladue to your heart’s content, because there are no mileage limits.

Learn More about BMW Select Financing

Still have questions about BMW Select Program? Visit BMW of West St Louis in Manchester for expert advice about your financial options. Whether you want information about liability insurance or just some great car buying tips, our team is here to help. Contact us today for more information.


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14417 Manchester Rd. • Manchester, MO 63011

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BMW of West St Louis 38.5937389, -90.5172938.