BMW's financial audit is based on credit reports. Users need to authorize BMW Finance to inquire about personal credit reports when applying for a BMW financial loan. Whether the loan is approved or not, the inquiry record will be kept in the credit report for 2 years, and will be automatically eliminated after 2 years. In addition, auto financing companies cooperate with the central bank in credit reporting, and loan records and overdue records will be uploaded to the credit reporting.

The overdue records of BMW Financial loans overdue are kept for five years after settlement, which has a continuous impact on personal credit.