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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 Models35,697£33,365744,20163,047
1 Series5,723£17,298647,06711,955
2 Series1,313£19,453540,7722,828
2 Series Active Tourer456£16,059643,307880
2 Series Gran Coupe1,392£22,782435,4492,668
2 Series Gran Tourer180£10,570968,624398
3 Series5,694£20,650757,69410,235
3 Series Gran Turismo116£9,6881185,021182
4 Series1,120£22,011753,7202,036
4 Series Gran Coupe1,315£21,060757,8812,298
5 Series2,406£22,653760,0943,867
5 Series Gran Turismo25£9,2061388,87035
6 Series122£14,5481370,733175
6 Series Gran Coupe116£13,8551278,217123
6 Series Gran Turismo36£18,147767,79786
7 Series335£31,435861,311413
8 Series95£35,679640,593216
8 Series Gran Coupe131£34,661643,071303
Alpina24£41,8941055,79525
i3259£11,830741,142581
i4794£33,308329,7801,217
i5218£45,342111,285598
i7108£65,020214,886112
i849£40,082937,71879
iX639£44,793226,030918
iX1443£30,355218,453755
iX2356£35,07916,585486
iX3566£32,254336,010714
M130£24,106539,35232
M2362£43,959427,423655
M3584£56,411632,185736
M4550£45,565533,285862
M5296£64,733529,810335
M617£24,7181355,29318
M6 Gran Coupe6£26,079953,22912
M842£63,575425,42352
M8 Gran Coupe18£57,199433,24211
X12,072£21,272643,5394,028
X2708£20,936540,2581,485
X32,389£30,669544,6124,046
X3 M197£40,008437,819346
X4555£28,000651,018860
X4 M72£43,335538,126121
X52,307£44,576548,0113,210
X5 M176£58,331536,791250
X6420£33,938759,153592
X6 M50£54,587537,76466
X7312£65,698225,329359
XM65£79,606112,28263
Z339£7,8912567,15223
Z3 M8£35,1132849,6516
Z4379£21,5401046,919685
Z4 M12£23,4101752,90111
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