Car finance built on quality, clarity and choice

Whether you need to finance or put insurance in place for a new or used vehicle, or want to offer your customers the best finance options, ALPHERA Financial Services’ commitment to three key principles means you can get it right, every time.

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Specialist focus. Shared knowledge.

ALPHERA Financial Services is unlike other car finance providers. As part of the BMW Group, we’re a motor company, not a bank. So our products and services are always developed specifically for vehicles, drivers and the motor trade, and nothing else. By making that specialism available to you – and not restricting ourselves to any vehicle manufacturer – you can be confident in the knowledge that you’re making the right choice.

Highlights of our product range

For ALPHERA Finance customers

More information, more choice

Finding the right motor finance is all about understanding your options – and which suits you best. ALPHERA makes the whole process transparent and straightforward, giving you all the information you need to make the right decision and look forward to enjoying your next vehicle, quickly and easily.

For business Partners

Higher standards, greater value

ALPHERA provides a higher level of consultancy and support than any other motor finance provider for you, our business partners. Setting the highest quality standards in the motor finance sector, and providing rewards for your efforts, we go further to help you reach your business goals and deliver great service to your customers.

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Our finance and insurance products



Enjoy more car for your money with our most popular finance product. Thanks to its key feature – a Guaranteed Future Value – your monthly payments could be less than you think, or you could upgrade to a higher specification model within your budget.

ALPHERA Hire Purchase

If you’d like to own your car at the end of your agreement, with fixed monthly payments and no mileage restrictions, ALPHERA Hire Purchase could be exactly what you need.


Enjoy trouble-free motoring, without any unwanted surprises, thanks to ALPHERA Protect – insurance designed for you, your car and your lifestyle.


The easiest way to manage your motor finance

With the MyALPHERA Finance portal, you’ll find all the help you need to manage your finance agreement, whenever you need it. Register today for self-service access to a wide range of functionality…

  • Amend your details
  • Select a different payment date
  • Make partial early repayments
  • Request a settlement figure
  • Find out what happens at the end of your contract

Latest News

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