BMW car loan and financing, 2026
By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.23 BMW models, from the 3 Series Sedan at ₱3,590,000 to the XM at ₱18,890,000. With 20% down over 5 years, the lowest monthly payment is ₱60,216 at UnionBank.
- Models with a price
- 23
- Price range
- ₱3,590,000 to ₱18,890,000
- Lowest monthly
- ₱60,216, BMW 3 Series Sedan (20% down, 60 months, UnionBank)
BMW monthly payment by model
Starting price of each model and its monthly payment at UnionBank, the bank with the lowest monthly for 60 months.
| Model | Price from | 20% down | Monthly, 20% down | Monthly, 30% down |
|---|---|---|---|---|
| BMW 3 Series Sedan | ₱3,590,000 | ₱718,000 | ₱60,216 | ₱52,689 |
| BMW 2 Series Coupe | ₱3,690,000 | ₱738,000 | ₱61,894 | ₱54,157 |
| BMW 3 Series Touring | ₱3,890,000 | ₱778,000 | ₱65,248 | ₱57,092 |
| BMW iX1 | ₱3,990,000 | ₱798,000 | ₱66,926 | ₱58,560 |
| BMW X1 | ₱3,998,000 | ₱799,600 | ₱67,060 | ₱58,677 |
| BMW 4 Series Coupe | ₱4,190,000 | ₱838,000 | ₱70,280 | ₱61,495 |
| BMW X3 | ₱4,190,000 | ₱838,000 | ₱70,280 | ₱61,495 |
| BMW i4 | ₱4,490,000 | ₱898,000 | ₱75,312 | ₱65,898 |
| BMW 4 Series Gran Coupe | ₱4,890,000 | ₱978,000 | ₱82,022 | ₱71,769 |
| BMW iX3 | ₱4,990,000 | ₱998,000 | ₱83,699 | ₱73,237 |
| BMW Z4 | ₱4,990,000 | ₱998,000 | ₱83,699 | ₱73,237 |
| BMW 5 Series Sedan | ₱5,090,000 | ₱1,018,000 | ₱85,376 | ₱74,704 |
| BMW i5 | ₱5,890,000 | ₱1,178,000 | ₱98,795 | ₱86,446 |
| BMW M2 Coupe | ₱5,990,000 | ₱1,198,000 | ₱100,472 | ₱87,913 |
| BMW X5 | ₱5,990,000 | ₱1,198,000 | ₱100,472 | ₱87,913 |
| BMW iX | ₱6,290,000 | ₱1,258,000 | ₱105,504 | ₱92,316 |
| BMW 7 Series Sedan | ₱7,990,000 | ₱1,598,000 | ₱134,019 | ₱117,267 |
| BMW X6 | ₱9,290,000 | ₱1,858,000 | ₱155,824 | ₱136,346 |
| BMW M3 Sedan Competition | ₱9,690,000 | ₱1,938,000 | ₱162,534 | ₱142,217 |
| BMW M4 Coupe Competition | ₱9,790,000 | ₱1,958,000 | ₱164,211 | ₱143,685 |
| BMW i7 | ₱10,390,000 | ₱2,078,000 | ₱174,275 | ₱152,491 |
| BMW X7 | ₱10,590,000 | ₱2,118,000 | ₱177,630 | ₱155,426 |
| BMW XM | ₱18,890,000 | ₱3,778,000 | ₱316,848 | ₱277,242 |
Which BMW fits your budget
Set a monthly budget, down payment and term. Switch brands to compare.
₱25,000 a month finances a car up to ₱1,490,461 with 20% down over 60 months at UnionBank. 0 models fit.
Starting prices from each model's lowest variant. Monthly payments exclude insurance and one-time charges.
How BMW financing works
BMW dealers arrange a bank auto loan at the showroom. What BMW offers beyond that, on its own site:
- Leasing
- Security Bank and its subsidiary SB Rental Corporation offer leasing of new BMW cars and motorcycles under a partnership signed November 29, 2024 with SMC Asia Car Distributors Corp; the program is described only as 'low initial cash outlay and flexible payment terms' and 'includes insurance and maintenance', framed around brand-new units; no lease term, monthly figure, residual value or balloon structure is published; a second Security Bank page describing this same partnership returned HTTP 403 on 2026-09-28 re-check (Cloudflare)
Promo bank lists change often. Bank vs dealer financing, compared.
Questions
How much is the monthly payment for a BMW car?
With 20% down over 60 months at UnionBank, the BMW 3 Series Sedan (from ₱3,590,000) costs ₱60,216 a month and the BMW XM (from ₱18,890,000) ₱316,848. Every model's monthly payment is in the table on this page.
Does BMW have in-house financing in the Philippines?
BMW dealers arrange financing through banks at the showroom. Ask the dealer which banks it works with, then compare their monthly payments for your model on this page.
Financing for other brands
- BYD
- Chery
- Ford
- Foton
- GAC
- Geely
- Honda
- Hyundai
- Isuzu
- Jeep
- Kia
- Land Rover
- Lexus
- Mazda
- Mercedes-Benz
- MG
- Nissan
- Porsche
- Subaru
- Suzuki
- Volkswagen
- Volvo
Carmaker finance companies: Toyota Financial Services and Mitsubishi Motors Finance.