BMW Financial Services UK Reviews 

Great efficient service, Shawn delt with my query quickly & sent through the docs in good time as he promised

Time to renew my finance

I have dealt with Lucy for a number of years

She is always helpful and always makes the process easy and painless

Thanks Lucy

Have to say Lucy Bonte who i dealt with was very helpful and explained everything and answered all questions and got everything done very promptly so pleased with outcome and service

Quashawn Douglas has been amazing. Kept me fully informed and chased everything through for me.

Pleasure to deal with.

Else answered promptly, answered all my questions and more. All done very efficiently.

We contacted BMW Financial Services UK today regarding a query about our finance agreement. I spoke with Amanda Graham, who was lovely to deal with and really took plenty of time to explain everything. At first, I still didn't fully understand, so I apologised to Amanda. She said no problem, and we had a little laugh about it. She kindly explained it again, and I got it the second time around. Amanda was very friendly and helpful whilst remaining professional. I wish more companies had an Amanda at the end of the phone; life would be so much more relaxed and stress-free. 10 out of 10 in every aspect, excellent experience.

Absolutely awful experience. Slow, you get passed around from one person to another. Despite the car being good, would never ever use them again.

Paid off my loan. Didn't even get an acknowledgement by email. Was promised a certificate proving no part ownership, nothing happened. Chased and was sent one with garbled incorrect licence plates.

Every time I called has to wait through 5 minutes of recorded irrelevant guff

I purchased a BMW M4 Convertible and an X5 40d M-Sport in 2015, when the finance agreement for the M4 ended in 2019 I gave the car back to BMW FS, they collected the car and I bought a Mercedes C63.

Fast forward 6 years and I received a notice of intended prosecution from the MET Police for doing 51mph in a 40mph limit.
I spoke to the police and they advised I just needed confirmation and evidence that I was no longer the owner or keeper.

Easy I thought, BMW FS would be able to provide record of the ending of my agreement and the collection of my car, putting me in the clear.
Unfortunately BMW insist on making even discussing the issue a problem by going through security and asking questions about how much were the payments and what bank did I use, eventually I found the information but the person I spoke to said ‘you should have completed the V5 when returning the car’ which I did, but no longer had proof as I’d shredded all paperwork 4 years after returning the car.
Instead of helping, all I got was patronising and condescending attitude and a complete lack of help and support.

I called back and asked for a manager, my request was denied, I asked to make a complaint, my request was denied… There is nothing you can do at all to get to speak to someone with any kind of customer satisfaction or support mentality… They are completely devoid of any kind of willingness to help a customer.

The complaints process is also next to useless, if you try and complain, it’s the same customer number and they won’t document your complaint and the website is next to useless…

With a name brand of BMW I’m surprised at the complete disregard of customer service and I can honestly say that I’m glad I don’t have and would never buy one of their cars ever again… Terrible dealers, awful customer service and after 3 calls into them, I can honestly say, I’d never, ever buy a BMW ever again.
0/10 for customer service… Avoid !!

Serious mishandling and unlawful credit reporting by BMW Financial Services

BMW Financial Services has admitted in writing that they wrongly advised me to cancel my Direct Debit, attempted to take payment in error, and then unlawfully placed a late payment marker on my credit file — even though my account was fully settled.

They’ve since acknowledged their mistake and confirmed that the credit marker is being removed, yet they’ve offered only £250 in compensation for the reputational and financial harm caused.

As a professional lender, my credit profile is integral to my work. This error has impacted my credibility, caused unnecessary stress, and potentially cost me business opportunities. BMW’s handling of the issue has been slow, dismissive, and far below the standards expected of a regulated financial institution.

I strongly urge anyone considering BMW Financial Services to be cautious. Their internal processes and customer care are clearly failing — and even when they admit fault, they minimise the impact on the customer.

My case is now with the Financial Ombudsman Service, and I will update this review with the outcome.

My wife and I decided to renew our BMW, sadly they turned us down not because of bad credit, history or anything else financial but because her husband a retired veteran chose the car! They decided it was for him nor her? I served 14 years for my country this is how how BMW disrespect you

Requested a settlement figure and duly sent payments by recorded post. Did not hear anything. I emailed a chaser, and was informed they had not received the funds. This was incorrect, as the post was tracked. Funds took some time to be cleared, however no confirmation received from BMW FS. Made a complaint about the lack of service, but not upheld.

Does this company NOT understand that these are large sums of monies involved, and customers should be informed when these things have been processed.

FoS here we come.

Appalling service. They continued to take monthly payments for 6 months after the finance was unwound. They owe me over £1500. Only when you threaten to go to their offices in Farnborough and request a meeting with their CEO does anything seem to happen. Still waiting on the refund. Apparently be the end of this week. If not, I'll be popping down next week! Stay posted for an update on X, Twitter etc....

BMW FS UK have no concern for their customers. They slapped a default on my credit file, and when legally they should have removed it they chose not to. When raising a formal complaint with them, they did not follow their own policy, and even to date have not bothered to respond. Their conduct had a direct result on me being blocked for a mortgage 4-months longer than legally needed causing a house purchase to fall through. Use BMW FS UK at your own risk, they have no morals, if they did they'd treat their customers with respect.

They stated ‘ I can see that we have provided you with the Final Response Letter to your complaint and confirmed what is required to continue with our investigation.’

Yet I have provided this time and time again and now will take the matter to court they are cowboys!!!

Returned my 5 series back to them in March, and a month later got an amount back from them which was a lot less than it was worth, as they sold it through an auction. However, i put it down to experience, and paid the small amount left to clear the account.
Last week however, they sent me a letter from a subsidiary company of theirs, Alphera,stating I owe them a further £7800, as when they put their car through their workshop when it was returned, they claimed I had clocked it by over 50000 miles. Funny that, considering all the service and MOT history of the car showed that this was not the case, but after proving this to them, they said they cannot overrule it.
Even stranger was the car sold for less than this at auction, meaning that they get my car for free, plus another £420!
Be careful if you return a car back to them, as it sounds like they are trying to scam customers out of more money with no proof or substance whatsoever. Reading other reviews on here, it sounds I am not the first person they have tried to defraud.
Anyway I will now be filing a report to the FSA about them in the hope that they can be brought to justice.

Shawn has helped me from start to finish. A very easy process with being accepted on finance to then doing different finance for different cars.

Once we found the car we liked it only took 3 business days to have everything wrapped up.

Will be using again in future

In February 2023, I raised an initial complaint regarding a fault with the vehicle's sunroof. Although this issue was subsequently repaired and a settlement was offered, the same fault has reoccurred twice more, in October 2024 and again in June 2025. I raised another complaint in June 2025 concerning this reoccurrence. However, since then, I have experienced a significant lack of communication, multiple failed follow-ups, and overall poor handling of my concerns.

Despite several attempts to chase the status of my complaint, I was either cut off, provided with no substantial information, or informed that my complaint had not even been opened. I was then told that I needed to submit a diagnostic report, which I did via email. I was then informed they hadn't received it so I had to re-send it.

I subsequently I raised a new complaint specifically about the appalling level of customer service I had experienced. This complaint was upheld, and I was offered compensation, which I have not accepted due to the ongoing issues. I also do not understand how this complaint can be dealt with within a few days but my original complaint is still ongoing!

Since then, I have submitted further documentation and continued to chase the status of my original complaint. Despite repeated assurances that my case handler would be contacted and that my complaint from February 2023 was re-opened, I have yet to receive any formal, proactive communication from BMW Financial Services to confirm the current status or next steps.

I am honestly appalled at the Customer Service I have received and to also be told that you can not speak to a Manager because they are not Customer Facing is absolutely ludicrous!

EDIT - in response to your response, I have submitted the information you requested however to be clear the csescalations team are the team that I am having issues with and are fully aware of my complaint!

Consider this as ZERO STARS.
Absolutely terrible company. My husband had finance with them more than 6 years ago, payed EVERYTHING, NO LATE PAYMENT. Till date his credit reports shows he has current late payments; therefore messing up his credit reports and any credit application (i.e mortgage). Been chasing for this to be cleared off for more than 3 months; everyday it’s an excuse, offering £250 for the delay but not solving the issue? Never seen my husband this frustrated!! TERRIBLE AND UNPROFESSIONAL COMPANY. AVOID!!!!!!

AWFUL EXPERIENCE HASNT REPLIED TO OVER 50+ EMAILS

SHOCK HORROR STILL NO OUTCOME AND WHEN THEY DID RESPOND THEY HAVEN'T EVEN LOOKED AT THE FILE