2022 BMW 3 Series

BMW Leasing vs Financing

Ready to get behind the wheel of a new BMW model but not sure whether leasing or financing is right for you? You’ve come to the right place, the ​​finance team at The BMW Store is here to help! We’re eager to walk you through all your lease and finance options. From a lease’s lower down payment advantage and flexible contract lengths to finance’s ability to personalize and sell your ride, you’ll find we offer competitive financing rates and flexible lease terms on a great selection of new BMW models.

After you’ve reviewed all the benefits financing and leasing has to offer, take the time to explore all our latest lease and finance offers to unlock a great deal today!

BMW Leasing

If you’re interested in enjoying all the latest technology. performance offerings, and updated designs sooner, leasing may be right for you. When you lease a new BMW, you get to enjoy your new ride for a two to three-year term before returning, re-leasing, or purchasing your lease.

Unlike financing, leasing cost only requires you to pay for the vehicle depreciation during your lease term instead of the full value. This unlocks short-term cost savings and often means only a smaller down payment is a requirement as well as lower monthly payment than with financing.

Leasing Benefits

  • Lease payment covers only the vehicle depreciated
  • Lease payments cost less
  • Down payments are less
  • Leases run for only 24 to 48 months
  • Leases are covered under the general warranty
  • You have multiple lease-end options

Leasing Disadvantages

  • Only allowed limited mileage amounts
  • Possible repairs charges at end of lease
  • No modification allowed
  • Not building equity

Lease-End Options

Lease end options include turning in your leased BMW and leasing a new one, purchasing your vehicle for the amount agreed upon in your lease agreement, or simply returning your vehicle to our dealership and walking away. If you continue to lease, you may receive loyalty incentives and bonuses. For more information, review our Lease Return page today and don’t hesitate to contact us with any additional questions.

BMW Financing

If you’re interested in experiencing BMW’s full ownership experience and want to live payment-free in the future, financing may be right for you. BMW Financial Services is here to help you get into the Ultimate Driving Machine of your dreams – and bring you exclusive offers, benefits, and events that take your BMW experience even further.

Unlike leasing, financing helps you invest in your future by boosting your credit and providing you with long-term savings. While more expensive at the time of purchase, you’ll enjoy full car ownership that offers the flexibility to repair, resell, and refinance whenever.

Financing Benefits

  • Ownership and ability to sell
  • No mileage restrictions
  • Can customize and alter
  • No car payments once paid off
  • Multiple lender options

Financing Disadvantages

  • Higher monthly payments
  • Higher down payment
  • Higher repair costs
  • Vehicle depreciation

BMW Balloon Financing

Get all the benefits and security of ownership with low monthly payments. BMW Financial Services offers two balloon financing options – BMW Select and BMW Owner’s Choice – to get you behind the wheel.

BMW i Financing

If your dream is to drive electric, custom financing options for BMW i vehicles can make your dream come true. You could finance your home charging station, receive up to $7,500 in Federal income tax credits, and more.


Financing allows you to borrow money to buy your new BMW and leasing allows you to rent your new BMW for 2-3 years.

  • You have an asset once paid off
  • No mileage limitation⁠
  • Long-term savings
  • Ability to sell whenever⁠
  • Higher monthly payments
  • Higher down payment⁠
  • Higher repair costs
  • Vehicle depreciation

Selling your lease is possible and may be beneficial to both parties, contact us today to see what options are available for your lease.

Ending your BMW lease early may result in penalties. If you’re trading your lease in for a new lease, we may be able to waive penalties and your last few payments.

Yes, trading in your car for a lease can help cover your down payment and lower your monthly payments.

  • Only allowed limited mileage amounts
  • Possible repairs charges at end of lease
  • No modification allowed
  • Not building equity
  • Lease a new BMW model
  • Purchase a new BMW
  • Purchase your currently lease
  • Scheduling your inspection
  • Review and make possible repairs
  • Make an appointment at a dealer
  • Complete a federal odometer/lease termination statement
  • Pay any lease liability fees/charges
  • Pay any additional charges
The BMW Store is located at: 6131 Stewart Rd • Cincinnati, OH 45227

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The BMW Store 39.1790277, -84.3960404.