Available Financing Options

The following finance products are available from BMW Financial Services.

- Lease
- Owners Choice
- Traditional Finance


Advantage BMW believes it is better to show you all of our financing plans so that you may choose the one that best fits your needs. Listed below is a brief description of the options we show you when considering a purchase with us.



About Leasing

Leasing allows you to drive a BMW while keeping monthly payments low. When you lease, you pay only for the amount of the vehicle's value you use during your lease rather than the vehicle's entire value. At the end of your lease, you can turn in your BMW and lease a new or Certified Pre-Owned BMW, re-lease or refinance (subject to approval) your current BMW for another term, buy your BMW at the price set forth upfront in your lease agreement, or turn in your BMW and walk away.



About Owners Choice

Owners Choice financing combines the lower monthly payments of leasing and the security of ownership. You make low monthly payments for your selected term then reach a 3-way option point:

  - You can get a new BMW and sell your BMW back to us at a predetermined price.
  - You can refinance the balloon payment amount.
  - You can complete your purchase by making the balloon payment.

Owners Choice is a good alternative if you reside in a state where leasing is less advantageous due to state tax laws.



About Traditional Financing

What is Traditional Financing?

Traditional financing allows you to buy a BMW and pay for it monthly over a term of up to 72 months. You may not be required to have a down payment (based on credit). Just as in buying a vehicle with cash, your name goes on the title. When the loan period ends, you become the owner.

How does the Traditional Finance Payment Estimator Work?

To set up the finance payment estimator for your preferred loan term, down payment, trade-in value, and estimated annual percentage rate, click on the "Traditional Finance" tab. Please customize inputs for greater accuracy.

Please note that you will enter the estimated annual percentage rate you anticipate is appropriate for current standard lending rates and/or your personal credit situation. The rate you enter is not indicative of rates available from BMW FS. Please discuss available rates based on your credit, area of the country, and other factors with your BMW Center.



Additional Information Concerning the Traditional Finance Option

For our clients who have their own financing available, the interest rate is very important. Often times, our relationship with BMWFS may not be the only option. We have established relationships with other lenders which only help us to stay competitive when comparing interest rates. Our additional options for lending institutions widely range from large nationwide lenders to smaller local institutions or Credit Unions to ensure our clients the most competitive interest rate. In most cases, we are successful in meeting or beating any available interest rate that our client may have offered through their sources. In any case, it is just one more way that we keep our eye on our clients best financial interests.

We hope this information is helpful to you. Please contact us with any questions concerning each or all of these options. It is our pleasure to assist!



Finance Director

Victor Smith – 713-289-1208


New Vehicle Finance Manager

Maisa Khalaf – 713-289-1210


Pre Owned Finance Manager

Chris Barroso – 713-289-1355




Find Premium BMW Parts Near Houston, at Advantage BMW Midtown!


Your loyal, beloved BMW both deserves and relies on professional grade parts, just like the ones it was originally engineered with. Why settle for anything less? The OEM BMW or comparable quality parts that you're looking for are here, waiting for you at Advantage BMW Midtown.

Our parts department regularly stocks up with nearly any BMW part you could ever need. Ordering is simple. In fact, you can use our online parts catalog and order form to get the quality BMW parts you need, without ever leaving your Houston home. If for any reason we don't have the part you need in stock, we can have it ordered and delivered here for you to pick up at your convenience in no time at all.

When it comes to finding the right parts for your BMW, come straight to the source. Come to Advantage BMW Midtown, where affordable, professional grade BMW parts are always available to you.

Easily Accessible, No Matter Where You're Coming From.


All roads lead to Midtown! You can reach Advantage BMW Midtown's easily accessible location from a number of routes, so visiting us is convenient, no matter where you live!

You can find us just south of I-10. From the Eastside, simply take I-10 West to 45 South. If you're joining us from the Westside, take I-10 East to 45 South. And you're almost there! Take your first exit off 45 South (the Dallas/Pierce exit), follow Pierce, and make a right onto Caroline.

If you're one of our Northside neighbors, just exit Dallas/Pierce, follow Pierce, and make a right on Caroline to visit. And our friends from the Southside can reach us by exiting Scott/Downtown and take St. Joseph Pkwy to Caroline, where you'll make a left.

No matter where you're coming from, you'll find us just north of Hwy 288; simply take Hwy 59 North, exit Gray/Pierce, and make a left at Gray, the first light.

We look forward to meeting you and finding out more about how we can serve you. Thank you very much for your interest in and consideration of Advantage BMW Midtown for your BMW needs.