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Used BMW 3 Series 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.

Getting a BMW 3 Series on finance

Getting a used BMW 3 Series on finance involves a series of systematic steps and careful consideration of various aspects to ensure a smooth purchase and ownership journey. The 3 Series, renowned for its perfect blend of performance, luxury, and reliability, is a popular choice among used car buyers. Below is a guide to walk you through the financing process.

Step 1: Pre-Purchase Considerations

1. Budgeting:

  • Identify how much you can afford in terms of down payment, monthly instalments, insurance, and maintenance.

2. Credit Score Assessment:

  • A better credit score often leads to more favorable financing terms.

3. Model Selection:

  • Choose a variant of the 3 Series that aligns with your needs and budget.

4. Vehicle Inspection:

  • Ensure a thorough check, preferably by a professional, of the vehicle's history and current condition.

Step 2: Exploring Financing Options

1. Personal Loan:

  • Acquiring a loan from a bank or financial institution to buy the car and repaying in scheduled instalments.

2. Hire Purchase (HP):

  • Pay an upfront deposit followed by fixed monthly payments and gain ownership after the final instalment.

3. Personal Contract Purchase (PCP):

  • Pay a deposit, lower monthly instalments, and decide at the end whether to return, purchase, or part-exchange the car.

4. Lease Purchase:

  • Similar to PCP but with a commitment to buy the car at the end of the term.

5. Dealer Financing:

  • Obtain a finance deal directly through the dealership, ensuring to compare the terms with other financing options.

6. Peer-to-Peer (P2P) Lending:

  • Borrow money directly from individual investors via online platforms, ensuring thorough understanding and verification of the platform’s credibility.

Step 3: Purchase Process

1. Choosing a Trustworthy Seller:

  • Ensure transparency and provision of detailed vehicle history.

2. Negotiation:

  • Ensure clarity in pricing and potentially negotiate for the best deal.

3. Test Drive:

  • Validate the car’s condition and performance through a comprehensive test drive.

4. Secure Financing:

  • Finalize your financing option, ensuring clear understanding of the terms and total payable amount.

5. Insurance:

  • Ensure you secure an insurance policy prior to taking ownership of the vehicle.

6. Complete Paperwork:

  • Ensure all documents, such as the V5C, MOT certificate, and service history, are accurately filled and securely stored.

Additional Notes:

  • Depreciation: Be mindful of the depreciation of car value and how it impacts your financial strategy.

  • Warranty: Consider the availability of the manufacturer's warranty or the option to purchase an extended warranty.

  • Total Cost Awareness: Ensure understanding of the total cost payable throughout the finance term, including interest and any fees.

  • Maintain Regular Payments: Keep timely payments to avoid any penalties and to safeguard your credit score.

In Conclusion:

Acquiring a used BMW 3 Series on finance demands thorough research, meticulous planning, and comprehensive understanding of your finances and available finance options. Engage in detailed discussions, utilize online calculators, or consult a financial advisor to ensure a well-informed decision. With astute preparation, you will not only revel in the driving experience but also enjoy peace of mind, knowing your finances are in order.

About the BMW 3 Series

The BMW 3 Series, renowned worldwide and particularly cherished in the UK, has often been considered the quintessential driver's car in the executive saloon segment. Since its debut in the 1970s, this model has been a benchmark in blending performance, luxury, and daily usability.

Decades of Dominance:

Throughout its existence, the 3 Series has experienced multiple evolutionary leaps. Each iteration accentuated its sporty DNA, combined with enhanced comfort and cutting-edge technology. This balance between dynamism and practicality has solidified its place in the hearts of car enthusiasts and daily commuters alike.

A Tech-Infused Sanctuary:

Modern versions of the 3 Series are furnished with the latest in automotive technology. With features like a sophisticated infotainment system, heads-up display, and myriad driver-assist utilities, the 3 Series isn't just about driving pleasure but also ensures occupants are well-entertained, informed, and safe.

Rivals in the Rearview:

Its reputation might be formidable, but competition is fierce. Models like the Mercedes-Benz C-Class, Audi A4, and Jaguar XE have been vying for the crown. Yet, the 3 Series, with its impeccable driving dynamics and brand legacy, manages to maintain a distinguished presence.

Into the Future:

With the advent of electrification, the 3 Series continues to adapt. Hybrid variants and potentially full-electric versions signal BMW's vision for a sustainable future without compromising on the driving joy the 3 Series is known for.

In Conclusion:

For many, the BMW 3 Series is more than just a car; it represents a passion for driving. It stands as proof that even in an age of change, some legends continue to inspire, evolve, and thrive.

Buying Guide

Want to find out everything about all 3 Series models, pros and cons, what to look out for and everything else you need to know? Check out our BMW 3 Series buying guide here.

BMW 3 Series Data by County

BMW 3 Series data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All5,123£19,593759,3038,807
Aberdeen City32£27,013433,72137
Aberdeenshire5£22,442646,33712
Angus4£23,620740,1082
Antrim11£20,712650,67215
Ards8£21,290956,2278
Armagh8£14,778881,06215
Ballymena22£21,321767,84811
Ballymoney3£25,762550,99712
Barking & Dagenham - Greater London6£13,779994,8147
Barnet - Greater London1£14,4501060,7005
Bedfordshire158£17,188870,708209
Belfast44£30,310327,29358
Berkshire61£20,137860,819116
Blaenau Gwent2£12,5971083,3971
Brent - Greater London11£17,140671,11434
Bristol98£17,359969,798130
Bromley - Greater London14£25,327642,62543
Buckinghamshire97£23,104866,518139
Cambridgeshire185£17,250872,381328
Cardiff3£19,382662,2632
Carrickfergus7£15,055974,5666
Ceredigion2-1295,0003
Cheshire135£22,335658,618289
City of Edinburgh37£17,535860,90547
City of London - Greater London19£15,763873,73046
Clackmannanshire1£20,998621,347-
Coleraine7£20,615651,42518
Conwy5£13,9751147,0173
Cookstown13£19,646668,4463
Cornwall18£18,7281066,39742
County Durham69£20,676755,511132
Craigavon26£31,374325,60321
Croydon - Greater London17£27,262642,13627
Cumbria14£18,772847,89723
Derbyshire134£17,203859,720258
Derry5£12,184885,0062
Devon75£17,715962,336123
Dorset37£20,380847,41649
Down4£25,620431,5001
Dumfries and Galloway4£26,497535,9917
Dundee City14£27,360535,34031
Dungannon19£16,764883,81820
Ealing - Greater London8£10,5931078,63211
East Ayrshire4£15,921854,4398
East Riding of Yorkshire2£21,245557,0929
East Sussex69£19,176960,46652
Enfield - Greater London14£22,354639,95030
Essex124£18,280962,824215
Falkirk12£11,1321181,77612
Fermanagh16£23,694457,09111
Fife33£23,848640,10236
Flintshire10£20,858762,1414
Glasgow City80£23,585544,951129
Gloucestershire43£24,546545,13562
Greater Manchester420£19,707761,023729
Hampshire144£19,714758,343219
Harrow - Greater London4£15,245959,86519
Havering - Greater London70£19,977666,118138
Herefordshire14£28,311529,53931
Hertfordshire155£22,321652,975268
Highland17£32,674221,70617
Hillingdon - Greater London40£16,834967,72767
Hounslow - Greater London9£23,660637,97710
Inverclyde2£15,498674,0931
Isle of Wight3£9,8621583,8962
Kent88£19,584754,460158
Kingston upon Thames - Greater London11£23,917538,22034
Lancashire200£18,955765,156326
Larne2£8,74512116,5005
Leicestershire103£24,347653,181256
Limavady1£16,990647,000-
Lincolnshire123£22,686547,650179
Lisburn6£16,460866,7554
Magherafelt16£19,091771,13219
Merseyside62£22,975558,745121
Merthyr Tydfil5£16,398888,3068
Merton - Greater London2£11,123991,8801
Monmouthshire2£3,12319105,0602
Moray3£18,662759,52910
Neath Port Talbot1£10,99010-1
Newport3£15,496698,5784
Newry and Mourne17£22,996555,42124
Newtownabbey8£21,997637,67331
Norfolk88£19,256858,278146
North Ayrshire11£27,970434,53226
North Down3£14,728987,9636
North Lanarkshire11£19,363758,43323
North Yorkshire63£22,147757,617128
Northamptonshire32£17,924867,38298
Northumberland8£20,780857,08214
Nottinghamshire122£21,634660,681384
Omagh6£16,490678,76317
Oxfordshire14£27,919433,98838
Pembrokeshire1£8,4161087,0491
Perth and Kinross11£21,281656,70115
Redbridge - Greater London8£12,4681167,52911
Renfrewshire10£19,248653,23018
Rhondda Cynon Taf7£11,284979,32115
Richmond upon Thames - Greater London1£19,995746,300-
Shropshire62£23,591658,09375
Somerset41£20,258757,33775
South Ayrshire6£16,319769,5225
South Lanarkshire7£22,181650,95330
South Yorkshire147£20,716664,696258
Staffordshire104£23,355644,562205
Stirling16£25,074435,03922
Strabane10£25,466457,5173
Suffolk39£16,520964,97460
Surrey77£21,405850,022162
Sutton - Greater London1£18,000765,0005
Swansea1£12,999878,949-
Tower Hamlets - Greater London1£26,995757,000-
Tyne and Wear83£18,093763,507126
Warwickshire38£28,400450,45471
West Dunbartonshire2£11,7471074,5374
West Lothian8£17,851670,67020
West Midlands279£19,265767,764450
West Sussex52£25,188747,91077
West Yorkshire228£20,892757,910421
Wiltshire123£24,067549,564149
Worcestershire21£26,534862,60251
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