Stephen James (Automotive) Limited, trading as Stephen James Ruxley BMW is a credit broker not a lender.

Terms and Conditions

Representative example is for a BMW Hire Purchase agreement for a BMW 120 M Sport. Applies to new vehicles ordered between 1st October 2024 and 2nd January 2025 and registered by 31st March 2025 (subject to availability) at participating BMW Retailers. Retail customers only. *On the road cash price is based on manufacturer's recommended retail price and includes 3-year BMW Retailer Warranty, BMW Emergency Service, 12-month road fund licence, vehicle first registration fee, delivery, number plates and VAT. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Offer may be varied, withdrawn or extended at any time. 'BMW Hire Purchase' is a form of hire purchase agreement provided by BMW Financial Services (GB) Limited, Summit ONE, Summit Avenue, Farnborough, Hampshire, GU14 0FB. You will have a 14-day statutory right to withdraw from the agreement. We receive a fixed commission for introducing you to BMW Financial Services calculated by reference to the vehicle. We do not have any discretion to vary the interest rate or APR you pay under your finance agreement. Any payments made to us will not affect the amounts you pay under your finance agreement. An introduction from us does not amount to independent financial advice.