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Owners Choice

An OwnersChoice contract is a simple interest balloon financing option that offers “lease-like” payments that can be advantageous to a customer when statutes make leasing costs prohibitive.

An OwnersChoice payment is separated into two parts: a fully amortizing amount financed for the expected difference between the initial amount financed and the future value of the vehicle (residual) and a balloon amount for the expected future value of the vehicle (residual). The customer has the option to set the balloon amount below the posted percentage, but the amount financed must be at least $1.00 higher than the balloon.

Please remember this must be approved by the credit department as it has a direct effect on the customer’s monthly payment. When the final payment (the balloon) is due on an Owners Choice contract, the customer has the following options:

  1. Turn in the vehicle and pay $350 disposition fee and any wear/tear or over mileage charges.
  2. Payoff the Balloon.
  3. Refinance the balloon.
  4. Pay the final payment and obtain a clear title.

The OwnersChoice use the same contract as a conventional finance agreement. Each of our retail agreements is designed to incorporate and disclose the required payment schedule, excess mileage charges, allowable mileage and termination fee charges.

BMW of Gwinnett Place - Duluth, Georgia
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BMW of Gwinnett Place

3264 Commerce Ave.
Duluth, GA 30096
View Map & Directions
Sales: 844-617-3436
Service: 844-789-9922
Parts: 844-326-6495

Hours of Operation

Monday: 9 a.m. - 8 p.m.
Tuesday: 9 a.m. - 8 p.m.
Wednesday: 9 a.m. - 8 p.m.
Thursday: 9 a.m. - 8 p.m.
Friday: 9 a.m. - 8 p.m.
Saturday: 9 a.m. - 7 p.m.
Sunday: Closed
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