1. Different terms: the term of BMW financial loan is 3 years or 5 years, while there are many options for bank loan, which can be determined according to the needs of borrowers and bank policies.

2. Different interest rates: The interest rate of BMW financial loans is relatively high, but in a specific period, some interest rate preferential activities will be launched. The interest rate of bank loans depends on factors such as bank policies and economic situation, and the interest rate is more flexible.