We understand life changes can sometimes result in financial difficulty. Our dedicated Hardship Assistance Team is available to support you and help get your finance contract back on track. Contact us to find out how we can help.


How do I get in contact with BMW Financial Services to discuss my current financial situation?


For general enquiries you can contact us on 04-3129999 or email at

I am experiencing financial hardship. How can you help?


We may be able to assist by offering you:

  • Up to 3 months of deferment.
  • Waiver of overdue fees and part of the profit without commitment of the Company to give this waiver as it is up to its own discretion.

How do I update my direct debit details?


​You can send your request for a change in your direct debit details to BMW Financial Services at

How can I make a payment to BMW Financial Services?


You can pay a payment via a Direct Debit arrangement, Bank Transfer or through DIB cash deposit machines.

Will the profit rate change while I am in hardship?


The profit rate charged to your account will not change if your instalments are deferred. 

What happens if I can’t afford my first monthly installment after my hardship arrangement has completed?


Hardship measures are only short term solutions to assist with unexpected events and help you get back on track.

Will I fall in arrears if I cannot make installments?


Failure to meet your instalments will put your finance agreement into arrears and may result in collections activity and a negative impact on your credit file.

If you find yourself in this position, please contact the Customer Support team on 04-3129999 between 9.00 am and 6.00 pm Sunday to Thursday to discuss options available to you.

If your situation is prolonged, keeping your vehicle may not be the best financial
option for you. As the vehicle depreciates in value, it may leave you with a
large gap between the car value and what is owing on the Murabaha.

If your hardship arrangement has completed and you are still unable to meet your obligation to
BMW Financial Services, please contact the Hardship Team on 04-3129999
between 9.00 am and 6.00 pm Sunday to Thursday to discuss options available
to you, such as selling your vehicle.

How can I approve my Money Management?


Money Management is a very important topic. You can find many useful tips about personal finances management on the official web-site of UAE Central Bank, in Consumer Education Center section:Consumer Education Center | CB UAE (

Have your information ready

When contacting us, please have supporting information such as:

  • Your income and employment status
  • What you own (house, household items, vehicles and shares)
  • What you owe (with us and with other lenders)
  • What has changed which has caused your difficulty
  • What changes you expect in the future

If you wish to seek assistance please contact our Hardship Support at:

BMW Financial Services

Financial Counselling

Financial counselling is a service offered by BMW Financial services if required.