Finance Center

Open Today! Sales: 9am-6pm
Call us at: 516-586-0961

Welcome to Our Financing Department

If you are ready to purchase your next vehicle and need financing options, BMW of Oyster Bay is here to serve you.

Welcome to BMW of Oyster Bay’s Finance Department. We are so glad you are here. We know that financing can seem overwhelming, that is why we have a team of experts that are standing by to help you understand all of your options when it comes to your next BMW. We have a variety of tools at our disposal to help you get the best rates for your next vehicle.

Financing Options

Now that you have chosen the BMW of your dreams, it is time to decide how you will pay for it. If you have all cash, of course, that is an easy choice, but if you don’t have all of that cash upfront, it can seem a little overwhelming. When you finance your vehicle with BMW of Oyster Bay, we have a team of experts that can help you decide which financing option is right for you and your situation. Most people are familiar with traditional loans. This is when you borrow money from a financial institution to pay for your vehicle. You typically will need to put some type of payment down and then continue to make monthly payments for the remainder of the loan.

When the vehicle is paid off, you own the vehicle. The other option is leasing from BMW. When you lease, you are only paying for a portion of the vehicle while it is in your possession. There is sometimes no down payment and the payments are typically lower. At the end of the lease, you can choose to purchase the vehicle for the depreciated price, or you can turn it back into the dealership. There are usually restrictions on leases. For more information on these options, talk to our experts at BMW of Oyster Bay today.

Do I Qualify?

You may have many questions about finance and lease options and we are here to help. One of the most common questions we get is do I qualify? This is a complex question as it depends on many variables. For instance, the biggest factor is probably credit. For those with good or excellent credit, obtaining financing is pretty simple. For those with bad or bruised credit due to divorce, medical bills, or job loss, it can be a little more tricky. Our finance experts work with everyone and have a variety of tools to help you qualify.

We work with local and national banks as well as credit unions to not only get you approved but get you the best interest rate available. Buying a car can be a great way to repair or improve your credit score when you make your payments on time. You can fill out our online credit application to see if you qualify prior to your visit.

Finance Experts

Our team of finance experts at BMW of Oyster Bay are ready and waiting to help you get approved for financing on your next vehicle today. They can also work with customers that already have a loan to get refinanced so they can get a lower rate and even adjust the terms of your existing loan. We can work with those that have no credit, bad credit, and excellent credit and have a good track record of obtaining financing for all of these individuals so don’t be discouraged. We can even help you secure a no credit loan if your situation demands it. Let us help you get into your next vehicle today.

You can start by filling out our online credit application for pre-approval or you can come in and visit us. Rest assured that your privacy is important to us so we will never sell or rent your personal information to third parties without your consent. You can read our privacy policy here.

We look forward to serving you and can’t wait to help you get approved for your next vehicle at BMW Of Oyster Bay today.



BMW of Oyster Bay

145 Pine Hollow Rd
Oyster Bay, NY 11771

Sales: 516-586-0961
Service: 516-586-0984
Parts: 516-586-0919

Sales Hours:
  • Monday - Friday9:00 AM - 6:00 PM
  • Saturday9:00 AM - 5:00 PM
  • SundayClosed
Service Hours:
  • Monday - Friday7:00 AM - 6:00 PM
  • Saturday8:00 AM - 4:00 PM
  • SundayClosed
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145 Pine Hollow Rd • Oyster Bay, NY 11771

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Today's Hours:

Open Today! Sales: 9am-6pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

BMW of Oyster Bay 40.860625, -73.534895.