BMW Divide.


If you have a significant deposit, wanting to pay monthly payments from £1 for 23 months, with the option to part-exchange, keep or hand back your car at the end of your agreement.

  • The agreement is for 24 months.
  • First, you pay a significant deposit of between 40% and 60% of the vehicle’s cash price. The deposit will be made up of the vehicle’s cash price minus the monthly payments and minus BMW’s Guaranteed Future Value.
  • The Guaranteed Future Value is what we estimate your BMW will be worth when your finance agreements ends. This will also be your optional final payment.
  • After your deposit is paid you’ll pay from £1 for 23 consecutive months at 0% APR.


At the end of your agreement, you will be asked to choose between three options:

1. Pay the optional final payment and keep your BMW.**
2. Part-exchange your BMW for a new one
3. Return your BMW and, as long as you have not exceeded the mileage allowance and it has been well looked after, there will be nothing more to pay.***

In both the first two options, 1 and 2, if the value of your car is more than what we estimated for you in the Guaranteed Future Value (GFV), you will benefit. If the market value is lower than our GFV estimate, you can choose to return the car to us with nothing further to pay, other than any excess mileage or damage charges.***


Significant deposit
+ small monthly payments
+optional final payment

Term for new vehicles: 24 months*
Term for used vehicles: n/a
Vehicle age: BMW Divide is only available for new car, on selected models only. BMW M5, BMW 7 Series, BMW 8 Series Coupe and Convertible, BMW i8 Roadster and Coupe
Deposit amount/initial rental: Total deposit will be any amount between 40% and 60% of the on the road cash price.*
At the end of the agreement: You can choose to either part-exchange, purchase or return the vehicle - your options are open until the end of the agreement.
Min and max amount of credit: £2,000 to £150,000
Min and max mileage per annum: 8,000 to 50,000 miles per annum
Maximum total mileage: 150,000 miles*
Option to purchase fee: No

Click below to see our BMW M5 Competition Saloon Divide offer.


Terms and Conditions:
Lancaster Motor Company Limited, trading as Lancaster Bury St Edmunds and Lancaster Milton Keynes is a credit broker and not a lender and is authorised and regulated by the Financial Conduct Authority for credit-related regulated activities and insurance distribution activities, FRN 311345. Lancaster Motor Company Limited is a broker and not a lender and can introduce you to a limited number of lenders, who may pay us for introducing you to them.

* BMW Divide available only on new BMW M5, BMW 7 Series, BMW 8 Series Coupé and Convertible and BMW i8 Roadster and Coupé.
Deposit of between 40% and 60% of the cash price is required depending on the vehicle financed. Representative 0% APR available on a 24-month BMW Divide agreement (subject to availability). Retail customers only. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Not available with any other offer. ‘BMW Divide’ is a form of hire-purchase agreement provided by BMW Financial Services, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB. The optional final payment is payable at the end of the agreement if you decide to purchase the vehicle. We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments.
** We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments.
*** If your agreement is regulated by the Consumer Credit Act, this contractual option will be in addition to your statutory right to end the agreement early.