Find your best BMW X3 finance rate with Driva

For most lenders, your credit score will be a major factor when assessing your application and pricing your loan. Typically, the higher your credit score, the lower rate you’ll be able to access. This is because your lender will be relatively confident that you’ll be able to meet your repayment obligations.

If you haven’t got a great credit score though, that doesn’t mean that all hope is lost. For some lenders, other factors are just as important as your credit score; like the BMW X3 model you’re buying and the type of loan you’re after, as well as your current employment situation and other personal circumstances.

If you’ve got any questions about how your credit score will impact your BMW X3 loan options, feel free to get in touch with our friendly finance team on 1300 755 494 or email us at contact@driva.com.au.

Each lender has their own minimum and maximum loan amounts which usually range between $2,000 to $1,000,000. The amount of money you can borrow for a BMW X3 car loan is determined by your individual financial circumstances.

Factors like living situation, income sources and past credit rating will be taken into consideration to calculate the maximum loan amount and estimated repayments.

One approach to adjust your maximum borrowing amount is to change the length of your loan term (e.g. from 5 years to 7 years).

Use Driva's smart platform and local team of finance professionals to assist you to make the best BMW X3 financing decision possible and get a better sense of how much you might be approved for.

We work with over 30 different lenders to give you confidence that the finance options you’re seeing are a good fit for the vehicle you’re thinking about and your personal situation.

Getting a loan approved and obtaining BMW X3 vehicle financing might take anywhere from 2 hours to 2 days, subject to the lender you choose.

Every lender has different eligibility criteria when it comes to assessing loan applications. While for some lenders your credit score might be a deal-breaker, other lenders are willing to accept applicants with low credit scores because they’ll consider other factors as well, like the type of car you’re buying, your income and your current living situation.

Driva can help you finance any type of BMW X3. The BMW X3 is a popular luxury crossover vehicle with several model variants to choose from. The xDrive30i is powered by a 2.0L BMW TwinPower Turbo engine and has an 8-speed Steptronic Sport Automatic Transmission. The xDrive30e is a plug-in hybrid with a 2.0L TwinPower Turbo engine and an 8-speed Steptronic Automatic Transmission. The M40i is a performance model with a 3.0L TwinPower Turbo engine and an 8-speed Steptronic Sport Automatic Transmission. The xDrive30e M Sport is a plug-in hybrid with a 2.0L TwinPower Turbo engine, M Sport suspension and an 8-speed Steptronic Automatic Transmission. The xDrive40i M Sport is a performance model with a 3.0L TwinPower Turbo engine, M Sport suspension and an 8-speed Steptronic Sport Automatic Transmission. The xDrive45e is a plug-in hybrid with a 3.0L TwinPower Turbo engine, M Sport suspension and an 8-speed Steptronic Automatic Transmission. With Driva, you can easily finance any of these popular BMW X3 model variants.