Welcome to Our Financing Department

Welcome to BMW of Monterey's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in pre-owned car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.

All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. BMW of Monterey has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

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Contact Information

Address Information

Employment Information

**Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Banking Information

Co-Applicant Information

Co-Applicant Employment Information

**Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Important Privacy Information

Privacy Statement

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

Contact Us

BMW of Monterey

1 Geary Plz
Directions Seaside, CA 93955

  • Sales: 831-920-3444
  • Service: 831-920-3444


  • Monday 8:30 AM - 7:00 PM
  • Tuesday 8:30 AM - 7:00 PM
  • Wednesday 8:30 AM - 7:00 PM
  • Thursday 8:30 AM - 7:00 PM
  • Friday 8:30 AM - 7:00 PM
  • Saturday 9:00 AM - 6:00 PM
  • Sunday 10:00 AM - 6:00 PM

We Make it Easy to Own the BMW of Your Dreams

Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!

Take a moment to go over the breakdown above to see which financing solution you feel is best for you, and if you'd like a little help and guidance, come on in to see us at BMW of Monterey, located conveniently on 1 Geary Plz, Seaside, just a short drive from folks in the surrounding areas of San Jose, Salinas, Santa Cruz, Monterey. You've found your perfect new BMW, now come on in and find your perfect auto financing solution, too.

Auto Loan
 BMW Leasing
Because you're purchasing outright, the monthly payments tend to be a little higher for an auto loan, but it's the difference between owning your vehicle and leasing it.            Payments
With leasing, you're only paying for the cost of depreciation, so your monthly payments tend to be lower than with a loan, but the difference is, you don't own your vehicle outright.

When you purchase with a loan, there aren't really any restrictions on what you can do with the vehicle. Because you're buying rather than leasing, you won't be returning the vehicle to the dealership at the end of a contract, so it's yours to do with as you please. You can make customizations, you can drive it as much as you want without restriction, and if you ever want to, you can choose to sell it. You can't do any of that when you lease.
     Terms & Conditions

While leasing brings lower monthly payments, there are some restrictions to how you can use your vehicle. When you lease, you agree to a contract with the dealership which will define how long you'll keep the car and how many miles you're allotted to drive. If you go over the allotted miles, you can end up paying a fee when you return the vehicle at the end of the contract; however, if you're someone who doesn't drive often, you might be able to save a little money on your lease by opting for a low-mileage lease!

When you purchase, you only bring your car back to us when it's time for service and maintenance! It's yours forever, or until you decide to sell it or pass it on.
    Do I Return the Car?
Yes! When you lease, you bring the vehicle back to the dealership at the end of your contract, and then you can choose to move onto a newer, fresher model at that time. This is great for those who want access to the latest and greatest every few years!
While new vehicles often have a robust manufacturer's warranty to go along with them, it's important to remember that the car remains yours even when the warranty is up, so at that point, all repairs and maintenance will become your financial responsibility.     Warranty & Repairs 

One great aspect of leasing is, because lease terms tend to be on the shorter side of things, it's very likely your vehicle will remain under the manufacturer's warranty for the duration of your lease, so most of the repairs or maintenance it needs could end up being covered, costing you little to nothing out of pocket!