BMW Lease & Financing in Carlsbad, CA

New BMW models for sale at BMW of Carlsbad

BMW of Carlsbad Finance Center

BMW of Carlsbad is your local BMW finance center in the Carlsbad area. We are committed to making every step of the finance process easy and worry-free. Our financial experts work closely with you to determine what is best for your unique situation, so you can enjoy the same comfort and freedom with your payments as you do behind the wheel. When you choose BMW of Carlsbad for your auto financing needs, you can expect the following:

No-Hassle Financing

We make vehicle financing easy with a wide range of finance and lease programs and a menu that clearly presents all the prices and options. So you can choose the one that is right for you. And our Finance Pledge ensures full visibility into the process. You can even pre-qualify online to see where you stand before stepping foot in our showroom.

Exclusive BMW Lease & Financing Specials

BMW of Carlsbad is proud to offer a variety of exclusive BMW lease and financing specials you won't find anywhere else. We update our specials each month to ensure we have the most exciting offers in the Carlsbad area. Additionally, you can find BMW manufacturer incentives and even BMW Certified Pre-Owned offers here on our website. BMW of Carlsbad is dedicated to making the process of getting behind the wheel of a BMW as accessible as possible.

Vehicle Protection Plans

Your vehicle is a significant investment, so it's essential to keep it protected. Vehicle Protection Plans from AutoNation 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 of knowing that your car is protected. Learn more about our available Vehicle Protection Plans.

We'll Buy Your Car

BMW of Carlsbad will buy your car even if you don't buy a vehicle from us. We'll buy any year, make, or model. Get a top-dollar offer and a check the same day. Selling your car to us eliminates the hassle that often comes with trying to sell your vehicle privately and can even help offset the price of a new vehicle. Sell us your car today.

Start the Buying Process Online

Now you can save time at our dealership and start the buying process online. Start by shopping our new and pre-owned inventory here on our website. When you find a vehicle you are interested in, click the "Start Purchase Online" button on the vehicle details page to launch our buy online tool. You can calculate your payment, explore available vehicle protection plans, apply for financing, and securely upload any required documents.

Pre-Qualify OnlineCurrent SpecialsPayment CalculatorWe'll Buy Your Car

BMW Encinitas
A BMW M Certified Dealer Certified Center

BMW of Carlsbad

1060 Auto Center Court
Directions Carlsbad, CA 92008

  • Contact Us: 844-684-4406

Finance Center Hours

  • Monday 9:00 am - 9:00 pm
  • Tuesday 9:00 am - 9:00 pm
  • Wednesday 9:00 am - 9:00 pm
  • Thursday 9:00 am - 9:00 pm
  • Friday 9:00 am - 9:00 pm
  • Saturday 9:00 am - 9:00 pm
  • Sunday 10:00 am - 6:00 pm
  1. BMW of Carlsbad

    1060 Auto Center Court
    Carlsbad, CA 92008

    • Contact Us: 844-684-4406
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Frequently Asked Questions

Is it better to lease or buy a car?

Leases and loans are simply two different methods of automotive financing. One finances the use of a vehicle; the other finances the purchase of a car. Depending on your situation, one may be better than the other for you.

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

Do you want to keep your car for longer than three years? You should probably consider purchasing your next vehicle. Learn more about leasing vs buying.

How much should a car down payment be?

It is recommended to put at least 10% down on purchasing 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, or contact us for more information.

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

Yes. Trading in a financed vehicle is very common. There are a few things to still be aware of, though.

If your car is worth less than what you owe, the remaining loan balance will be deducted from your trade-in value.

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

Can I finance a used car?

Absolutely. We offer financing on all of our vehicles, both new and pre-owned. Banks see lending through a dealership like us as less risky than lending to a private party. So when you finance a pre-owned vehicle through us, you are more likely to get approved and 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.