BMW has implemented a new financing option for the X1 and 320i models, postponing the first installment payment until February 2027. The initial monthly payments are R$ 1,867 for the X1 SUV and R$ 1,877 for the 320i sedan, although the plan requires a 59% down payment and a high final installment.
The financial conditions establish an interest rate of 0.79% per month, spread over 36 installments. This offer is available for purchases made by the 31st at partner dealerships.
On the manufacturer's official portal, the promotion for the X1 covers the M Sport 2026/2026 version, which has a cash price of R$ 389,950 and is limited to 50 units. For this model, the customer must make a down payment of R$ 230,070.50, followed by 36 installments of R$ 1,866.78 and a final installment of R$ 155,980, corresponding to 40% of the total value.
Summing all payments, the cost reaches R$ 453,254.58, representing an increase of approximately R$ 63.3 thousand over the cash price. The Effective Total Cost (CET), which includes insurance, fees, and IOF, was calculated at 11.66% per year. At the end of the contract, the buyer has the option to renew the vehicle with another BMW, settle the final installment, or renegotiate the balance with BMW Financial Services.
Additionally, the X1 offer includes the BMW Service Inclusive maintenance plan for three years or 40 thousand kilometers, at no extra cost. Regarding the 320i, BMW did not specify the final installment amount, as the model starts at R$ 356,950 in the GP version.
Other conditions remain valid, such as zero-interest financing, a 60% down payment requirement, and a 36-month balance, in addition to the used car appreciation offered to owners of both BMW and other brands.
The X1 and 320i vehicles, manufactured in Araquari (SC), are classified by the brand itself as the best-selling premium cars in the country. The X1 has GP, X Line, and M Sport versions, all equipped with a 2.0 turbo engine of 204 hp and 30.6 kgfm, plus a seven-speed dual-clutch automatic transmission. The 320i is sold in GP, Sport GP, and M Sport versions, using a 2.0 turbo engine of 184 hp and 30.6 kgfm, with an eight-speed automatic transmission and rear-wheel drive.