BMW Financial Services
Lease Buyout, Transfer, and End-of-Term Policies
The team at DSRLeasing.com provides comprehensive, up-to-date lease information for BMW Financial Services. We strive to help you manage your automotive lease effectively.
Lease Buyout Rules
BMW Financial Services allows the original lessee to purchase the vehicle at any time. However, restrictions on third-party sales are strictly enforced.
- No Third-Party Buyouts BMW Financial Services generally does not allow third-party dealers (Carvana, Vroom, CarMax) to buy out leases. To sell your car to these entities, you typically must purchase the vehicle yourself first, pay the tax/title, and then resell it.
- Lessee Buyout: You can purchase your vehicle for the residual value stated in your contract. You can obtain a payoff quote by logging into My BMW Garage.
- Dealer Process: While you can sometimes send a check directly, BMW often recommends (and some states require) processing the buyout through an authorized BMW Center to handle the Odometer Disclosure Statement and titling.
- Fees: A purchase option fee (typically up to $500) may apply, in addition to state taxes and registration fees.
Lease Transfer Policy
✔ Transfers Permitted
BMW Financial Services has a transparent lease transfer program. The original lessee is fully released from liability once the transfer is complete.
Fees & Costs
- Credit App Fee: $100.00 (Non-refundable).
- Transfer Fee: $400.00 (Refundable if denied).
- Total: $500.00 (Typically paid by Buyer).
Restrictions
- Not allowed in the final 6 months of the lease.
- Vehicle cannot have open safety recalls.
- Owner’s Choice/Employee leases are not transferable.
Note: The assuming lessee (buyer) must meet BMW's strict credit underwriting guidelines. Security deposits and wear-and-tear liability transfer to the new owner.
Lease-End Fees & Wear Protection
Disposition Fee
$350 (Typical)
Waived if you lease or finance a new BMW within 6 months of return.
Excess Mileage
$0.25 per mile
M-Series vehicles may be charged at $0.30 per mile.
Avoid Unexpected Bills: Protection Plan Comparison
BMW dealerships offer protection plans, but they are often marked up significantly. Compare the typical dealer cost against DSR's direct-to-consumer option.
BMW Lease Protection
Sold at Dealerships
$1,200 - $1,800+
- Coverage Limit: typically $5,000.
- Price varies by dealer markup.
- Must usually be purchased at lease signing.
DSR SafeLease Protection
Available via DSR Leasing
Starting at $399
- Waives up to $5,000 in excess wear charges.
- Covers tires, dents, scratches, glass, and interior stains.
- One-time payment. $0 Deductible.
Contact BMW Financial Services
| Phone: |
800-578-5000 Mon - Thu: 9 a.m. – 9 p.m. ET Fri: 9 a.m. - 6 p.m. ET |
| Website: | BMWUSA.com/Financial-Services |
| Payments: |
BMW Financial Services NA, LLC P.O. Box 78004 Phoenix, AZ 85062-8004 |
| Insurance Lien: |
BMW Financial Services NA, LLC P.O. Box 3608 Dublin, OH 43016 |
Disclaimer: Policies for BMW Financial Services are subject to change. Please consult your lease agreement for specific terms. DSR Leasing is an independent service and is not affiliated with BMW Financial Services.
