BMW X3 Finance Offers

* with approved credit through BMW Financial Services and subject to minimum 700 beacon score. On select models.

Check Out Our Current BMW X3 Inventory
Educating yourself on how financing works is a brilliant idea if you are in the market to buy a car and don't have the liquid cash on hand to buy it outright. The majority of car owners today have elected to finance their vehicle because it's a big investment. We completely understand that. That's why we will explore some of the most commonly asked questions people have when it comes to financing a BMW X3 Series.

Q: How much will I pay for my BMW X3 Series?

A: The price you pay will depend on a number of factors. What X3 model do you want? Do you have a trade-in and what is it worth? How much will you be using as a down payment? We don't mean to answer a question with more questions but the best course of action to take is finding out what your current vehicle is worth (if you have one) and visit our online inventory to see what deals we currently have available for X3 models.

Q: What is BMW Select Financing?

A: BMW Select Financing bridges the gap between leasing and financing to give you the best of both worlds. Similar to a lease term, you will pay less on your monthly payments but still have ownership of the vehicle. The caveat is a final balloon payment that will be assessed at the end of the financing term. This is how we are able to offer lower monthly payments. This number is negotiable and will be mutually agreed upon before you drive off the lot.

Q: What are the major differences between leasing and buying?

A: The best piece of advice a person should consider between the two is the "10,000-mile rule." If you plan to drive less than 10,000 miles a year, leasing is a reasonable option because it gives you access to the latest model cars on a regular basis. If you don't want to be restricted in any capacity and it is important for you to have ownership over the vehicle, then financing is the way to go.

Q: What is the Guaranteed Future Value (GFV) of a BMW X3 Series?

A: One benefit of buying a BMW X3 model is knowing exactly what your vehicle will be worth after you've made the last monthly payment. This figure considers the trim, features, estimated mileage, and normal wear and tear incurred over the financing term.

Q: Should I finance through a third party, or the dealership?

A: If you choose to secure financing through a third party, you are responsible for applying directly to a bank or credit union to await approval. Once you are approved, you will be quoted a loan term, interest rate, and then you will negotiate the price of the vehicle. By electing to finance through the dealership, we will simply take down your information and share it with our network of partnering financial institutions. It is ultimately your choice, but we recommend financing through us.

Q: Does BMW accept credit cards?

A: Unfortunately, credit cards are not an acceptable form of payment to use on your monthly installments. However, you are free to use a debit card if that is easier for you.


BMW of Wyoming Valley

1470 Highway 315
Directions Wilkes-Barre, PA 18702

  • Sales: 570-338-6955
  • Service: 570-338-6956
  • Parts: 570-338-6957

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Sales Hours

  • Monday Sales Phone or Internet Request Only
  • Tuesday Sales Phone or Internet Request Only
  • Wednesday Sales Phone or Internet Request Only
  • Thursday Sales Phone or Internet Request Only
  • Friday Sales Phone or Internet Request Only
  • Saturday Sales Phone or Internet Request Only
  • Sunday Sales Phone or Internet Request Only