*The optional final payment (together with a credit completion fee and an option to purchase fee) are payable at the end of the agreement if you decide to purchase the vehicle. We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments.
**If you part exchange the vehicle for a new BMW, any surplus in the vehicle’s part exchange value over the optional final payment (and credit completion fee and option to purchase fee) can be used as a deposit towards a new BMW.
*** If the vehicle’s value is less than the optional final payment, you can pay the credit completion fee and hand it back to us without paying the optional final payment. However additional charges may be payable for both excess mileage (actual mileage higher than agreed contract mileage) and vehicle condition (using the standards set by the with BMW Financial Service Vehicle Condition Guide. If your agreement is regulated by the Consumer Credit Act, this contractual option will be in addition to your statutory right to end the agreement early.