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Finance Department

BMW of Bowling Green - Finance


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Contact Information

325 Three Springs Rd.
Bowling Green, KY 42104
Phone: (866) 216-4645
We at BMW of Bowling Green offer new and used car financing for all BMWs. Stop in today and take advantage of our financing specials on the BMW 1 Series, 3 Series, 5 Series, M3, X3, X5, and more. When you finance your BMW through BMW Financial Services at BMW of Bowling Green, you benefit from the fact that we love BMW cars just as much as you do. We know how well BMWs hold their value and how fun they are to drive.​ 

Choose your dream BMW and let us provide you with flexible financing to help you drive it home. We offer options for loan customization, low competitive rates, no down payment*, terms up to 60 months, and our OwnersChoice program featuring low monthly payments for new and Certified Pre-Owned BMWs.

BMW Financial Services is designed to meet the expectations of BMW drivers and that is why you will find our performance matches the vehicles we finance. For your convenience, use our Online Credit Application. For immediate approval, please contact us and join the BMW owners circle.​ 

*subject to credit approval

Finance Frequently Asked Questions (FAQ)

Financing a vehicle can be challenging, especially if you aren’t up to date on all the vehicle financing lingo. And when it comes to such a hefty investment as a vehicle, we want you to get the very most out of your hard-earned money.
To help you out, we’ve assembled some vehicle finance FAQs:

Q: Should I Buy or Lease a BMW?

A: There are lots of factors to consider when it comes to buying or leasing a vehicle. The main for most drivers is money. In the short term, your car payments will be much lower if you lease. However, you will ultimately have to give that car up, and pay for another car.
How much money do I want to spend? A purchased vehicle will save you money over time, but will cost you more per month.

Will I want a different car in a few years? If you're confident in your decision and know you'll still want to drive this car after a few years, buying outright is your best bet.

What will I be doing in the future? If you know where you will be living and what you’ll need a car for, then purchasing a car now and sticking with it is a good idea.
How much money do I want to spend? On a month-by-month basis, it is much more affordable to lease a vehicle.

Will I want a different car in a few years? If you’re the kind of person who gets sick of their phone every few years, you’ll probably be sick of your car, too. Leasing may be your best bet. As technology and features are added and updated through the years, you'll be able to have the best there is every time.

What will I be doing in the future? If you'll only be in one place for a couple years, leasing could be perfect. You can return the vehicle once the lease is up, and you don't have to deal with finding a way to move it.
Q: How can I check my credit score?
A: Many banks and credit unions offer credit scores to their customers, but you are additionally entitled to three copies of your credit report, annually, at You can also apply through the BMW website, quickly and securely.

Q: How much should I spend on the down payment?

A: Conventional wisdom says that you should put 20% down, but if you feel comfortable putting down more or less, feel free to do so! The more you pay now, the less you will have to pay later.
Q: What should I bring to the dealership?
A: Don’t forget to bring your driver’s license, a current pay stub, and proof of residence, depending on what you are hoping to achieve at a dealership. The more you can bring ahead of time, the better.
Still have questions? Not to worry! Visit us, or simply call us, anytime here at BMW of Bowling Green. Our excellent finance department will be happy to help you out!
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