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Used BMW on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Financing a BMW

If you're considering securing a used BMW on finance in the UK, here's a concise guide to assist you in your journey.


Quick Guide: Used BMW on Finance


Why Choose BMW?

  • Premium German craftsmanship and engineering.
  • Sporty aesthetics and performance-driven models.
  • High resale value and desirability.
  • Array of models ranging from sedans, SUVs to sporty coupes.

Top Places to Buy:

  • BMW's Approved Used Cars Programme for vetted vehicles.
  • Local BMW dealerships.
  • Reliable online automotive platforms.
  • Private sellers (ensure thorough vehicle checks).

Popular BMW Models in the UK:

  1. BMW 3 Series - An all-time favourite sedan.
  2. BMW 1 Series - Compact hatchback, ideal for city dwellers.
  3. BMW X5 - Luxury SUV with ample space.
  4. BMW 4 Series - Stylish coupe/convertible.
  5. BMW 5 Series - Executive saloon with top-notch features.

Finance Options:

  1. PCP (Personal Contract Purchase): Start with a deposit, followed by monthly payments. End choices include buying the car outright, trading it, or handing it back.
  2. HP (Hire Purchase): Deposit followed by set monthly instalments. Once payments are complete, the car is yours.
  3. Leasing: Pay monthly to use the car, then return it at contract's end.

Your Credit Score: Having a strong credit score could grant you more appealing interest rates.

Budget Planning: Determine a practical deposit and monthly payment. Remember to account for other costs: insurance, road tax, and maintenance.

Pre-purchase Checks:

  • Confirm a comprehensive service history.
  • Verify the stated mileage.
  • Be cautious: prematurely exiting a finance contract might result in additional charges.

Price Negotiation Tips:

  • Research typical prices for your chosen BMW model.
  • Use the car's age, mileage, and condition to your advantage during negotiations.
  • Discuss interest rates, deposit amounts, and monthly payment conditions.

With this guide in hand, you're prepared to venture into the UK's used car market in search of a BMW on finance. Safe travels and enjoy your BMW experience!

About BMW

Originating from Germany, BMW has long been a stalwart of the premium automotive world. Their famous slogan, "The Ultimate Driving Machine", truly encapsulates the brand's ethos. In the UK, BMWs are synonymous with driving pleasure, innovation, and class-leading luxury.

Key Features and Specifications

  • Performance: With a rich motorsport heritage, BMW ensures that even their everyday models offer spirited driving dynamics.
  • Luxury Interiors: Every BMW boasts a meticulously crafted interior, complete with high-quality materials, intuitive controls, and the latest infotainment technology.
  • EfficientDynamics: BMW's approach to optimising performance and efficiency simultaneously is evident in their engine technology and lightweight construction techniques.
  • Electrification: With the BMW i and iPerformance ranges, BMW is at the forefront of electric and hybrid vehicle technology.

Most Popular Models in the UK

BMW's model range caters to a wide variety of preferences and needs. Here are some of the standout favourites among British drivers:

  • BMW 3 Series: This executive saloon is a benchmark in its class, known for its dynamic driving experience and premium build quality.
  • BMW 1 Series: A premium hatchback that offers an agile driving experience coupled with top-tier interiors and tech features.
  • BMW X5: A luxurious SUV that doesn't compromise on performance, the X5 offers versatility, space, and state-of-the-art features.
  • BMW i3: An all-electric city car with a unique design, the i3 reflects BMW's commitment to sustainability without sacrificing driving pleasure.

For those in the UK who value a blend of luxury, performance, and cutting-edge technology, BMW remains a top choice in the premium vehicle market.

BMW Data

Find out which BMW vehicles are most popular, their average price, age and mileage and recent sales.

ModelStockAvg PriceAvg Age (years)Avg MileageRecent Sales
All Models36,131£34,023743,54063,132
1 Series5,991£17,486646,38811,980
2 Series1,295£19,577540,7912,972
2 Series Active Tourer456£15,485645,678871
2 Series Gran Coupe1,472£23,415433,7452,672
2 Series Gran Tourer189£11,025866,294404
3 Series5,675£20,692757,99510,177
3 Series Gran Turismo121£10,3901078,467169
4 Series1,120£22,262753,0872,119
4 Series Gran Coupe1,322£21,557757,0282,361
5 Series2,402£22,171760,9413,994
5 Series Gran Turismo21£9,1511291,32240
6 Series139£14,2821375,015160
6 Series Gran Coupe119£14,8461275,694120
6 Series Gran Turismo41£18,249870,21379
7 Series303£31,506860,231429
8 Series102£36,051640,241212
8 Series Gran Coupe139£34,823542,236305
Alpina27£43,958957,91922
i3259£12,093739,215631
i4755£34,561226,8131,174
i5286£44,821111,080590
i7111£69,290213,48899
i861£42,106935,72580
iX612£46,070225,180904
iX1386£31,274217,548730
iX2375£35,82916,633449
iX3391£29,501437,900722
M124£24,422638,94125
M2362£44,378426,046654
M3627£57,224631,382701
M4550£44,724634,392913
M5315£64,460531,091321
M616£25,6981352,41621
M6 Gran Coupe9£29,1021045,25412
M852£62,889425,61047
M8 Gran Coupe14£57,819430,16412
X12,212£21,903643,1544,035
X2757£21,223539,1261,446
X32,506£31,116543,7083,869
X3 M180£41,083434,125339
X4554£28,496650,314847
X4 M80£44,172437,574123
X52,277£44,175548,3213,211
X5 M179£58,666536,161248
X6412£34,495758,023586
X6 M55£57,525535,87865
X7317£67,137224,575372
XM52£83,713110,87761
Z336£6,7252672,72223
Z3 M9£42,0492746,6465
Z4355£20,3841049,627717
Z4 M11£23,1701751,06414
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