BMW Financial Services: Payoff Address, Phone & Lease Rules
BMW Financial Services NA, LLC finances and leases BMW vehicles. MINI Financial Services is a division of it, and both are part of the BMW Group. Below: the contact lines, payment address and buyout rules BMW and MINI publish, including BMW's position on third-party dealer payoffs.
Also known as: BMW Financial Services NA, LLC · MINI Financial Services
Brands: BMW, MINI · Last verified November 8, 2026 against BMW Financial Services's official website
Contact & payoff details
MINI Financial Services
Mon–Thu 9 a.m.–9 p.m. ET; Fri 9 a.m.–6 p.m. ET
Monthly payment address
BMW Financial ServicesP.O. Box 78103Phoenix, AZ 85062-8103This is the payment address. BMW provides payoff instructions under Payoff Information in your My BMW Account.
Verify the address and your exact payoff amount with the lender before sending payment.
Lease buyout rules (as of November 8, 2026)
| Who buys the car | Policy |
|---|---|
| You (the lessee) | Allowed |
| A dealer buying it for you or taking it in trade | Not published |
| A third party (another dealer, online buyer, friend or family) | Not allowed |
You can buy your BMW lease. BMW says your payoff is for you and won't be honored if a third-party dealership sends it in, and BMW Financial Services does not negotiate payoffs or residual values. BMW doesn't publish a separate rule on BMW Centers buying a leased car for their own inventory.
“This payoff is intended for you, and will not be honored if sent in by a third-party dealership.”
Weighing it up? Compare your buyout price to today's market with the lease buyout calculator.
Lease-end process
When your term ends, contact your originating BMW Center to schedule a return appointment. It is the only center required to accept the vehicle, though others may. Most BMW Centers can do a pre-inspection before your final assessment. MINI lets you buy extra miles at a discounted rate until the day before turn-in, and waives the disposition fee if you lease your next MINI through MINI Financial Services or finance the buyout with them.
BMW Financial Services FAQ
What is the BMW Financial Services phone number?
BMW Financial Services: 800-578-5000 (Automated payment line 24/7). BMW lease end: (800) 959-4269 (Mon–Thu 9 a.m.–9 p.m. ET; Fri 9 a.m.–6 p.m. ET). MINI Financial Services: 1-866-646-4463 (Mon–Thu 9 a.m.–9 p.m. ET; Fri 9 a.m.–6 p.m. ET). Verified on BMW Financial Services's official website November 8, 2026.
Can a third party buy out a BMW Financial Services lease?
As of November 8, 2026: You can buy your BMW lease. BMW says your payoff is for you and won't be honored if a third-party dealership sends it in, and BMW Financial Services does not negotiate payoffs or residual values. BMW doesn't publish a separate rule on BMW Centers buying a leased car for their own inventory.
How do I log in to my BMW Financial Services account?
Manage your account online at https://myaccount.bmwfs.com/ (BMW Financial Services's official site).
Lease & payoff tools
- Lease buyout calculator — is your buyout price worth it?
- Lease payment calculator
- How to get out of a car lease
- Lien release guide
- BMW lease deals · BMW money factors
Shopping for your next car? Search cars for sale.
Sources
- BMW FAQ — Paying off early (third-party dealership note)
- BMW FAQ — Lease buyout negotiation
- BMW FAQ — Pre-inspection & lease-end phone
- BMW FAQ — Where to return
- BMW FAQ — Payments, phone and portal
- MINI Financial Services — Contact
- MINI Financial Services — Overview
- MINI — Lease programs
Last verified November 8, 2026. Facts are taken only from BMW Financial Services's own website; anything we could not confirm there is left off this page. CarWhere is not affiliated with BMW Financial Services.