Finance Center

BMW of Ramsey takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Should You Lease Your New BMW of Ramsey Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

BMW of Ramsey can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment, but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

Financing at BMW of Ramsey

At BMW of Ramsey, we know what a financial burden and stressful process buying a new car can sometimes be. Most customers find it easiest to complete the process by following these three steps:

Step #1: Browse the Inventory

As you look around, keep your eyes out for new BMW coupes like the BMW 4 Series or the BMW 8 Series, new BMW sedans like the BMW 7 Series, new BMW EVs like the BMW i7 and BMW iX, new BMW crossovers like the BMW X4 or the BMW X6, and new BMW SUVs like the BMW X2 or the BMW X7 among others.

Step #2: Use the Online Financing Tools

When you're ready to move forward with a vehicle from our inventory, check out the new vehicle and finance and lease offer pages for additional savings. Next, find out the worth of your current vehicle by using the value a trade tool. This accurate market value can then be applied towards the purchase price of your next vehicle.

Next, fill our the online finance application--or first jump to the pre-qualification form if you're worried about your credit. By using the online forms, you can save yourself time in the dealership and simultaneously help us to understand your financial situation before you even come in so that we are better prepared to help you.

Step #3: Sit Down With Our Team

The final step in the process will be for you to visit our finance department in person.

When you arrive, we will sit you down with an experienced member of our team to go over the lease and loan options available to you. We will also alert you to any additional savings you could take advantage of to help everything fit within your budget. Once everything is finalized, we could have the keys transferred and you could drive off our lot that same day.

Questions?

If you have questions about our financing process, or if you would like help with any of the online tools and forms, please call our team today and we will help you out.

Your privacy is important to us.

BMW of Ramsey takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. BMW of Ramsey

    985 State Route 17
    Ramsey, NJ 07446

    • Sales: 201-669-3248
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Get in Touch

  • Contact our Sales Department at: 201-669-3248
  • Monday9:00AM-8:00PM
  • Tuesday9:00AM-8:00PM
  • Wednesday9:00AM-8:00PM
  • Thursday9:00AM-8:00PM
  • Friday9:00AM-6:00PM
  • Saturday9:00AM-6:00PM
  • SundayClosed