You will not own the vehicle until all payments are made. Finance is based on a personal contract purchase. At the beginning of the contract the legal owner is the finance provider and at the end of the agreement there are 3 options: (i) Renew: Part exchange the vehicle (ii) Retain: Pay the Optional Final Payment to own the vehicle or (iii) Return the vehicle. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). You will not own the vehicle until all payments due are made. Credit is subject to status. Offer may be varied, withdrawn or extended at any time. Knights BMW North Staffordshire, Knights BMW South Staffordshire and Blue Bell BMW Crewe are trading names of Lookers Motor Group Limited, 3 Etchells Road, West Timperley, Altrincham, WA14 5XS, registered in England & Wales Reg. No. 143470. Authorised and regulated by the Financial Conduct Authority. We are a credit broker, not a lender and can introduce you to a number of lenders. Introducing you to a number of lenders means we receive a commission. Lenders pay commission at different rates either as a fixed fee or as a fixed percentage of the amount you borrow. The commission that we receive does not affect the amount that you pay to the lender under the credit agreement.