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Apply for BMW Financing Online

Our pre-qualification is a quick and easy way to see where you stand before you step foot in our showroom. Take a few minutes and complete our secure online application from the comfort of your own home today.


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Auto Financing Has Never Been Easier

When you choose BMW of Vista for your auto financing needs, you can expect:

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Easy Credit

Regardless of your credit situation, chances are we can find a lender and a program to fit your budget.

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Worry-Free Financing

We offer a wide range of finance and lease programs with a menu that makes financing with us clear and simple.

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Straightforward Pricing

You'll receive a low price on new and pre-owned vehicles. So you'll save time and get a great value.


Frequently Asked Questions

Is it better to lease or buy a car?

It depends. Leases and loans are simply two different methods of automotive financing. One finances the use of a vehicle; the other finances the total cost of a vehicle. Each has its own benefits and drawbacks. It's not possible to simply say that one is always better than the other because it depends on your own particular situation and preferences. You must not only look at the financial comparisons but also at your own personal priorities and what's important to you.

Do you like driving a new car every two or three years, prefer lower monthly payments, or drive under 10,000 miles per year? Leasing might be the best option.

Do you like to keep your car for longer than three years, drive more than 10,000 miles per year, or enjoy modifying or customizing your car? You should probably consider purchasing your next vehicle.


Can I trade in my car that's not paid off?

In a word: yes. Trading in a financed vehicle is very common. There are a few things to still be aware of though.

If you are underwater with your current loan (you owe more than your car is worth), the negative equity will be added to the new loan.

If you are not underwater, the remaining loan balance will simply be deducted from the value of your trade-in.

In both cases, we will take care of paying off the lien holder and getting the title for your vehicle. This is one less thing you have to worry about when you trade in your car with us, versus selling it privately. In fact, we will even buy your car from you regardless if you buy a vehicle from us!


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How much should a car down payment be?

It is recommended to put at least 10% down on the purchase of a new or pre-owned vehicle, but as little as $500 can be sufficient in many cases. There is no harm in putting down as much as possible though, and we would suggest aiming for putting down around 20% to help lower your monthly payments.

You don't necessarily need to have this cash on hand though. If you are trading in a vehicle, the value of your trade-in will help cover most of, if not all, of your down payment.

If you are interested in having the lowest possible down payment, taking advantage of our low or no money down lease specials may be your best option. Check out our current lease offers today or contact us for more information.


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Can I finance a used car?

Absolutely! We offer financing on all of our vehicles, both new and pre-owned. In fact, banks typically see lending through a dealership like us as less risky compared to lending to a private party. So when you finance a pre-owned vehicle through us, not only are you are more likely to get approved, you will probably get better loan terms too.

Get pre-approved for pre-owned vehicle financing today with our online finance application, then be sure to check out our complete selection of pre-owned cars, trucks, and SUVs for sale near you!


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Can I get a car loan with bad credit?

Yes! Thanks to our worry-free financing, we are able to offer new and pre-owned vehicle financing to almost everyone, regardless of your current credit situation! Chances are we can find a lender and a financing plan that works for you.

In fact, you can even apply for a car loan from the comfort of your own home today with our fast and secure online finance application. If you have any questions, feel free to give us a call to speak with one of our knowledgeable finance team members. We are dedicated to getting you behind the wheel of a new or pre-owned vehicle regardless of your credit score.


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BMW Protection Plans

Your vehicle is a big investment, so it's important to keep it protected. BMW of Vista offers an array of protection plans to help you with mechanical breakdowns, routine maintenance, and unexpected emergencies such as vehicle theft, flat tires, road hazards, spills, and dents. Drive with the peace of mind knowing that your car is protected.

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Shopping Tools


BMW Payment Calculator

Use our calculator tool to estimate your monthly payment amount if you know the price of the vehicle you're looking to finance or how much you want to spend in total.


Estimate Your Payment

BMW Special Offers

BMW of Vista offers a variety of lease specials and financing offers on popular BMW models. Getting behind the wheel of a BMW has never been easier.


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We'll Buy Your Car

Get a free certified offer and turn your car, truck, or SUV into cash today. Your offer is guaranteed for 7 days or 500 miles at any AutoNation location across the country.*


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Shop by Monthly Payment

Have a monthly payment amount in mind? Our affordability calculator allows you to shop for new and pre-owned vehicles within your monthly budget.**



Your Trusted BMW Finance Center in Vista


Finance a BMW in Vista, CA

If you're hoping to get behind the wheel of a BMW, you'll want to head over to our BMW of Vista dealership. Our finance department will work closely with you to help you finance the used or new BMW vehicle of your dreams. We serve the communities of Vista, San Diego, and Carlsbad.

There are plenty of options available for financing your next vehicle. With the help of our expert finance team, you'll be able to get answers to all of your BMW finance questions. You can begin with our website, which allows you to input your search parameters and begin the approval process. 

Our finance center will connect you directly with BMW Financial Services, so you'll be well on your way to owning or leasing a new vehicle.

BMW Specials and Finance Deals Near Me

Buying a new BMW is a beautiful thing. Your auto loan will vary depending on the financing options you choose. Fortunately, one of our helpful sales associates or BMW Financial Services experts can help you use a payment calculator to evaluate financing options on your new car. Monthly payments will vary depending on the interest rate and down payment you agree to at our BMW Finance Center.

We offer a variety of offers for auto financing, including the following from our finance department:

  • 1.99% APR for 48 months
  • $500 rebate
  • $750 rebate
  • $1,000 rebate
  • $500 BMW certified loyalty credit
  • BMW-certified college grad offer

If you hope to finance, keep in mind that your credit score is an important aspect of the monthly payments you will be offered. Other automotive dealer websites may make promises about auto financing. Our financial services experts will actually help you figure out what auto financing will look like for you, with the credit score you actually have.

We'll Buy Your Car

If you have an older car that you want to trade in, we are pleased to consider that as part of your deal. Visit our website, where you will provide your contact information and the basics about your current vehicle. We will give you an offer on your car or SUV, which is valid for seven days. When you come by our dealership for a test drive, you can decide whether or not you'd like to make your trade-in part of the financing equation.

Visit BMW of Vista in Vista, CA

No matter which vehicle you're hoping to drive, our dealership's BMW financing options are sure to satisfy. Let us help you get behind the wheel of your next vehicle. Our sales hours are Monday through Saturday, 9 a.m. to 6 p.m.

We are open today, so don't hesitate to come by for a test drive! If you would prefer to book an appointment for your test drive over the phone, you can call the dealership at (760) 307-8202. We look forward to serving you.


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*Subject to in-store verification, vehicle condition and mileage. Appraisal valid for 7 days or 500 miles, whichever comes first. See store for details. Some restrictions apply.

** These calculations are for reference purposes only. All figures are estimates only and are not guaranteed as accurate. Always consult a professional financial advisor.