Finance Center

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.

Our finance experts are here to guide you through the financing process and help you get into your new vehicle. Contact BMW of Freeport’s finance team today or if you’re ready to start the financing process, you can fill out our secure finance application online.

Sales Info

Phone Numbers:Sales Hours:
  • Mon - Wed9:00 AM - 8:30 PM
  • Thu - Fri9:00 AM - 7:00 PM
  • Sat9:00 AM - 6:00 PM
  • Sun11:00 AM - 4:00 PM

Service Info

Phone Numbers:Service Hours:
  • Mon - Fri7:00 AM - 7:00 PM
  • Sat7:00 AM - 4:00 PM
  • Sun9:00 AM - 3:00 PM

Parts Info

Phone Numbers:Parts Hours:
  • Mon - Fri8:00 AM - 5:00 PM
  • Sat7:30 AM - 4:00 PM
  • Sun9:00 AM - 2:30 PM

Collision Info

Phone Number:Collision Hours:
  • Mon - Fri7:30 AM - 5:30 PM
  • Sat9:00 AM - 1:00 PM
  • SunClosed

Car salesman reviews car details with a male customer

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.

Get Pre-Approved

A Little Knowledge Can Make A Big Difference.

Salesman Handing Keys

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.

Two Hands Holding Pens Signing a Document2

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.

Person Handing Money to another Person

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.

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:

Experian logo

Experian

www.experian.com
(888) 397-3742

Equifax logo

Equifax:

www.equifax.com
(800) 685-1111

TransUnion logo

TransUnion:

www.transunion.com
(800) 916-8800

What you need to bring with you

  • Valid Driver’s License
  • Proof of Insurance
  • Proof of Income
  • Proof of Residence
  • Proof of Phone Number

In some cases, you may be asked for additional information. We’ll walk you through every step of the way and respect your privacy & concerns. Please make sure your information is current.

Car saleswoman and customer review car details

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.

Estimate Your Payment

BMW of Freeport is located at: 291 W. Sunrise Hwy • Freeport, NY 11520

BMW Financing & Leasing Questions

Find answers to common questions from Freeport, Nassau County, and Queens drivers about financing and leasing a BMW.



What BMW financing options does BMW of Freeport offer Long Island drivers? +
BMW of Freeport helps customers from Freeport and throughout Long Island explore financing and leasing options for eligible new and pre-owned vehicles, including traditional vehicle financing, BMW lease programs, current offers, and optional vehicle protection plans. Approval, rates, terms, and program eligibility depend on the vehicle, credit application, and programs available at the time. Learn more about BMW Financial Services at BMW of Freeport.
Can Nassau County and Queens shoppers apply for BMW financing online? +
Yes, shoppers from Nassau County, Queens, and surrounding Long Island communities can begin from home by completing BMW of Freeport's secure online financing application. Applicants should be prepared to provide current personal, employment, income, residence, and vehicle information, and additional documents such as a valid driver's license, proof of insurance, proof of income, and proof of residence may be requested. Submitting an application does not guarantee financing approval.
Is it better to finance or lease a BMW in New York? +
Leasing may be a good choice for drivers who prefer a newer BMW every few years and expect to stay within their lease's mileage allowance, while financing may be better for those who want to own the vehicle, plan to keep it longer, expect to drive more miles, or want more freedom to customize it. Long Island and Queens shoppers can browse new BMW vehicles and review additional answers to common BMW questions while comparing their options.
What credit score is typically needed to finance a BMW at BMW of Freeport? +
BMW of Freeport does not list one universal minimum credit score for financing approval, since credit history is only one part of the application review. Lenders may also consider income, employment, outstanding balances, payment history, the selected vehicle, the requested financing amount, and the down payment. Each application is reviewed individually, so customers from Freeport, Nassau County, and Queens can contact BMW of Freeport to discuss the financing process.
How can Long Island shoppers estimate their monthly BMW payment? +
An estimated monthly BMW payment depends on the vehicle price, interest rate, financing term, down payment, and trade-in value, and taxes, registration, title, insurance, inspection fees, and other applicable New York charges may also affect the final amount. Estimates are not financing offers, and the actual payment will depend on credit approval and finalized transaction terms.
Can I trade in my vehicle at BMW of Freeport if I live in Nassau County or Queens? +
Yes, customers from Nassau County, Queens, and other Long Island communities can use BMW of Freeport's trade-in valuation tool to estimate their vehicle's value. After an in-person evaluation, available trade equity may be applied to a BMW purchase or lease, and if money is still owed on the vehicle, its payoff balance will be considered when determining the available equity and final transaction terms.
Where can I return my BMW lease near Freeport, Nassau County, or Queens? +
BMW of Freeport assists eligible BMW lease customers from Freeport, Nassau County, Queens, and the greater Long Island area as their lease approaches maturity, including reviewing the vehicle's mileage and condition, completing the required inspection process, addressing necessary repairs, and gathering all original equipment. Depending on the agreement, you may be able to purchase your current BMW, return it and select another BMW, or simply return it. Contact the BMW Lease Return Center in advance to confirm return eligibility, requirements, and appointment availability.

Get Directions

291 W. Sunrise Hwy, Freeport, NY, 11520
BMW of Freeport 40.656251, -73.590533.