When it comes to purchasing a car,
You're in the driver's seat.
Our secure online credit application makes getting financing a quick & efficient process.
We're Here To Help
Like most buyers, you may need financing to get the vehicle you want. What you don't need is a long drawn-out hassle to get it. Our user-friendly on-line credit-application process takes you from start to finish. It requires just a few a minutes of your time and a few personal details which we do not share.
It's really that easy. Get started today.A Little Knowledge Can Make A Big Difference.
Financing
Factors
Financing
Factors
Choice of Vehicle/Trade
The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.
Credit History/Employment
Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.
Down Payment/Interest Rate
The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.
Your Credit
Score
Your Credit
Score
Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.
Factors Effecting Your Credit Score
Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.To learn your credit score you can contact the three main credit reporting agencies:
You Make The Choice. We Make It Easy.
Every part of the car buying process should be simple. That includes determining your car payment which is just as easy our pre-approval process thanks to our on-line payment calculator. Just choose your vehicle and we'll tell you what you can expect to pay each month. Whatever your credit situation and budget, we've got a car for you at a payment you can afford.
It's easy. It's quick. It's safe. Get started today.
Auto Finance & Loan Center: Frequently Asked Questions
How do I get pre-approved for financing at BMW of Louisville?
Louisville, KY drivers can get pre-approved online using our secure credit application. It takes just a few minutes and lets our finance team have options ready before you visit.
What factors affect my auto loan rate?
Your rate depends on the vehicle you choose, your credit history and employment, and how much you put down. A larger down payment generally improves your approval odds and can lower your rate.
Do I need to know my credit score before applying?
No. Credit scores typically range from 350 to 850, and a higher score usually means a lower interest rate, but you can use our credit application whether or not you know yours. You can check your score directly with Experian, Equifax, or TransUnion.
Can I estimate my monthly payment before applying?
Yes. Use our online payment estimator to get an idea of your monthly payment based on the vehicle you choose.
Can I trade in my vehicle as part of financing a new BMW?
Yes. Get an Instant Cash Offer for your current vehicle, powered by Kelley Blue Book, and our finance team can apply that value toward your next purchase.
What new and pre-owned BMW models can I finance?
You can finance any vehicle from our new BMW inventory or our pre-owned inventory in Louisville, KY, and our team can walk you through financing options for either.
Are there current specials that can lower my financing costs?
Manufacturer and dealership incentives change regularly. Check our new BMW specials page or ask our finance team which offers you may qualify for.
How do I get in touch with the finance team?
You can reach our finance team through our contact page, and we'll help walk you through your loan or lease options.