BMW Financial Services UK Reviews 168

5 Stars - Outstanding service from Alphera Financial Services
I recently received excellent service and support from Shawn and Tayyba at BMW Alphera Financial Services when arranging finance for my BMW M4.

From the outset, my enquiry was handled efficiently, professionally, and with genuine care. They took the time to understand my requirements and put together a finance package that worked perfectly for me, making the whole process smooth and stress-free.
In a world where truly great service is becoming rare, it’s important to recognise it when it’s delivered — and this was first-class from start to finish. Well Done Shawn, Well Done Tayyba

Five stars without hesitation. I’ll definitely be calling them again for my next car.

Amanda G was brilliant and made the process of refinancing my car super simple. I rang for a quote, then rang back to take deal out and got her again! She went through questions quickly but clearly, was knowledgeable when I had questions and had my finance deal through to sign within 15 minutes. It was such a simple process and just what I needed in the middle of a busy day.

I am writing to formally complain about a late payment marker that BMW Finance has placed on my credit file relating to an undisclosed £14.40 administration fee.

While I fully acknowledge the speeding offence and paid the fine in full, as well as completing a speed awareness course, I was never informed that an additional administration fee was payable to BMW Finance. I received no correspondence whatsoever, no email, letter, telephone call, or reminder - either before or after the alleged due date.

The first notification I received was months later, via Experian, advising that a late payment had been recorded on my credit file.

This is particularly concerning given:

• I have leased a vehicle through BMW Finance for over two years
• I have never missed a payment, either with BMW Finance or across my entire credit history
• The amount involved was £14.40
• No opportunity was provided to rectify the issue before adverse credit reporting

As someone working within financial services, I am aware of the FCA’s expectations regarding:

• Fair treatment of customers
• Proportionality in credit reporting
• Reasonable steps to notify customers before adverse action

In my view, recording a late payment under these circumstances is disproportionate, unfair, and procedurally flawed.

I am requesting:

1. Immediate removal of the late payment marker from all credit reference agencies
2. Confirmation of how and when BMW Finance believes notification was issued
3. Assurance that internal processes will be reviewed to prevent similar issues

Should this matter not be resolved satisfactorily, I will have no hesitation in escalating the complaint to the Financial Ombudsman Service, and if necessary raising concerns with the FCA regarding process failures.

I trust BMW Finance will resolve this promptly and fairly.

I would have given 0 if there was chance.
It is a symbol of pure greed at BMW. They will lie outright so BEWARE.
No wonder there were scams like DCA! In my case BMW admitted they had paid commision. Then I purchased another vehicle (before DCA scandal broke). Top of the range X7. Had huge issues on a brand new car like windows unlocking opening randomly when parked etc. BMW Financial, BMW and Marshalls dealer were non-responsive. They were pretty much colluding amongst themselves. MY emails were ignored. The kept passing the buck to each other. No customer care, no empathy and total sharks. Avoid purchasing via BMW FInancials like a plague.

Now back to the DCA claim, following the above, BMW Financial suddenly writes me a letter claimicatio ing I was on Perosnal Hire COntract" and not "personal Purchase contract" so I would not be compensated as advised by the FCA. A Total fabrication and a lie! I even have emails from their dodgy dealer telling me how my car would have a "residual" value at the ebnd of the term and I could use that to purchae another BMW etc etc. SOmething which is not even available in "perosnal contract hire".

So this BMW mafia is lying outright and will go to any length to accept liability,. Don't be fooled by their false warranties and sense of security! Avoid financing your car through them.

I was satisfied with the service for the number of years I was with BMW and have placed a new car with them. However, paying a settlement on my car using their reference number on Friday the 9th I was informed today that they hadn't received payment when I checked with them, and advised to check with my bank.

I phoned my bank who confirmed the payment and I called back and sis the security checks again.

This time (within 30 mins of fist call), they informed me they had received and that we had given a reference number with a missing digit.

This was not the case as we took a screenshot before payment.

BMW then stated that the payment would take another two days to come off my account. Not sure if they do this as a standard to accumulate revenue through interest, as this also happened when we paid for my son's car???

Really annoying as it resulted in a number of phone calls, repeated security questions and was an unnecessary waste of time to reaolve!!!!!

I spoke with a girl called Amanda, who was great to deal with. She was very helpful, friendly, and took time to explain everything clearly. Amanda made the whole experience smooth and stress free. I really appreciated her support. Excellent customer service.

I would like to thank Amanda Graham for her help today a very friendly professional lady .A credit to you

Sent an email to BMW CEO Chris Brownridge in August 2025 due to disgusting service following the death of a family member. Was advised Chris left the business and my complaint would be forwarded to BMW Financial Services. Following chase emails by myself and further chases from the CEO Team, I am yet to receive an acknowledgement or response from BMW. Seems like once a family member passes away, so does the need for BMW to respond at all in relation to their unethical business practices. Bury your head in the sand and ignore complaints!! Well done BMW!

I have used BMW finance for a number of years, I must be the odd one out, never had a problem and always very helpful. Especially on my last contact today, Amanda Graham was the representative, very patient, offered guidance and went through my varying option. For my particular case, I found her very helpful and nothing was too much trouble, please ensure Amanda receives this feedback.

Amanda was polite, efficient and helpful with my queries in regards to excess mileage charges, and voluntary termination!

Absolutely disgusting finance company!

I’ve got Car Finance with
BMW, the car has been written off, I am awaiting the Insurance company to pay out, it has taken a little while and BMW are now trying to default me, I’ve been paying the monthly payment still and now as trying to default me they are trying to charge me the finance amount plus the full interest! Had a letter thought the post! If they charge the full amount I will be taking this to the financial ombudsman for them to sort!

Would never take out car finance with them again!

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 !!