BMW Finance Loan is a loan service provided by BMW Finance Company, which belongs to the field of automobile finance and is mainly for car buyers. The loan application process is convenient and can be handled when booking a car. The loan amount is high, and it also provides value-added services such as insurance. Bank loan is a loan service provided by banks, which is suitable for a wider range of people and needs. The application process is relatively complicated, but you can choose the loan variety and term suitable for your own situation, with stricter loan qualification requirements and interest rate restrictions. From the aspects of service experience, capital flow and risk assessment, bank loans are more stable and standardized.