The difficulty of handling BMW car loan procedures depends on the personal credit status, financial status and policy requirements of car dealers or financial institutions. Generally speaking, if you have a good credit record, a stable source of income and can provide the necessary financial documents, it is generally not too much trouble to apply for a BMW car loan.

At present, many financial institutions still provide car loan services, including BMW dealers' own financial services departments. However, due to the impact of the COVID-19 epidemic, financial institutions may have made some adjustments or restrictions on the loan approval criteria, and the specific situation may vary from region to region and institutions.

In order to apply for a BMW car loan, you need to prepare the following documents and materials:

1. Personal identification: valid identification documents such as ID card and driver's license;

2. proof of income: such as salary slips and bank statements, which prove that you have a stable source of income;

3. Proof of financial status: such as asset certificate and debt certificate. ;

4. Personal credit records: bank accounts, credit reports, etc. Prove your credit status;

5. Car purchase contract: a car purchase contract signed with a car dealer.

It is suggested that you directly contact local BMW dealers or financial institutions to learn more about their loan policies and required documents, so as to better understand the specific procedures and requirements for handling car loans.