I bought my car with BMW`s finance, it`s just like any other finance deal (im in the UK). You put a deposit down (I did £18,000) and then take the rest over however many years that make your payments affordable. Tell them how much you can afford a month (stretch yourself a little here if you can because over time, the payments will feel easier) and they`ll tell you how long it will take. This is NOT the same as a PCP plan which I dont like at all, you owe a balloon at the end of it which you`ll have to either find in full, give back the car or get a new PCP plan on a new car.

__________________
X5 3.0D 2003
Mods:
Webasto telestart remote kit
Aluminium running boards
Tv in motion & Aux input lead, Ice>ink to Ipod 3g.
DVD rear headrest screens and dvd sytem integrated in to main tv system via aux lead (watch tv or dvd in front and back)
Homelink Gate Opener, Chrome Grille Kit, chrome tailgate handle, Chrome Guage Rings, Tunit V-CR 086
Standard:
Bluetooth, comms pack, sat nav, sports pack, sports seats, dimming mirror, electric folding mirrors, memory seats, heated seats.