BMW Financial Services is now offering a low 3.9% APR Representative on selected models if you already have a BMW or MINI model in your household. Applies to the following new BMWs when ordered before 30 September 2025*.
| BMW Model | APR |
| BMW 1 Series | 3.9% |
| BMW 2 Series Gran Coupé | 3.9% |
| BMW X1 | 3.9% |
| BMW X2 | 3.9% |
| BMW X3 | 5.9% |
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Terms & Conditions
Arnold Clark Automobiles Limited is a credit broker not a lender.
*Offer available to existing BMW customers only, who can prove there is a BMW or MINI in their household. Offer available on BMW Select and Hire Purchase agreements.
3.9% APR available on a BMW Select or Hire Purchase agreement for new BMW 1 Series, BMW 2 Series Gran Coupe, BMW X1, and BMW X2 models.
5.9% APR available on BMW X3 models, ordered between 01/08/25 and 30/09/25 and registered by 31/12/25 (subject to availability).
Retail customers only. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Optional final payment and option to purchase fee not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). ‘BMW Select’ is a form of hire-purchase agreement provided by BMW Financial Services (GB) Ltd, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB. You will have a 14 day statutory right to withdraw from the agreement.
Arnold Clark Automobiles Limited trading as Arnold Clark Kirkcaldy introduces customers to a selected panel of lenders, which includes BMW Financial Services. We will receive a fixed commission for introducing you to BMW Financial Services, calculated by reference to the vehicle or as a percentage of the amount you borrow. We do not have any discretion to vary the interest rate or APR you pay under your finance agreement. An introduction from us does not amount to independent financial advice.