Get a Carsnitch Report for Free Owner, price, MOT & dealer.

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
All4,840£19,660760,9548,814
Aberdeen City33£28,550426,94738
Aberdeenshire2£23,985647,5399
Angus5£24,655744,8703
Antrim5£18,370752,35816
Ards6£22,576955,67810
Armagh10£16,367873,84914
Ballymena19£20,358761,98917
Ballymoney4£20,589764,13611
Banbridge2£17,045870,051-
Barking & Dagenham - Greater London5£14,596993,0407
Barnet - Greater London1£14,4501060,700-
Bedfordshire167£16,643873,207227
Belfast40£29,819324,89764
Berkshire54£18,158862,307118
Blaenau Gwent3£15,231874,3581
Brent - Greater London9£13,226881,30630
Bristol101£16,684870,258139
Bromley - Greater London12£26,602630,66245
Buckinghamshire82£20,952863,177156
Cambridgeshire183£17,047770,068299
Cardiff3£18,615568,9214
Carmarthenshire1£9,9951088,677-
Carrickfergus6£18,432770,4355
Ceredigion3£9,995984,0003
Cheshire157£21,358662,003253
City of Edinburgh32£15,213972,36355
City of London - Greater London22£17,614971,00853
Coleraine6£18,856661,86116
Conwy2£8,1951294,4602
Cookstown10£20,606664,2993
Cornwall18£22,869744,03052
County Durham68£19,909755,831127
Craigavon19£32,372218,70134
Croydon - Greater London21£27,692641,29025
Cumbria14£16,965763,92927
Derbyshire119£17,033962,570258
Derry5£11,934885,0061
Devon65£17,650961,217108
Dorset34£18,192853,01260
Down6£21,745545,8331
Dumfries and Galloway4£25,997436,2688
Dundee City13£25,794536,00225
Dungannon22£17,416780,77522
Ealing - Greater London13£10,623991,48612
East Ayrshire2£16,995755,1617
East Lothian1£19,999563,0001
East Riding of Yorkshire2£21,989338,6428
East Sussex59£20,976857,94257
Enfield - Greater London13£21,393742,60326
Essex104£17,435964,588213
Falkirk14£12,9131072,15410
Fermanagh13£25,472453,19715
Fife27£22,177745,07737
Flintshire10£20,858762,1411
Glasgow City80£26,216538,652124
Gloucestershire39£23,936548,38165
Greater Manchester396£20,673759,474702
Hampshire130£20,665655,274232
Harrow - Greater London5£13,656961,24311
Havering - Greater London67£19,678669,593129
Herefordshire10£29,109327,97825
Hertfordshire164£21,038653,929273
Highland17£31,280219,05017
Hillingdon - Greater London32£17,420966,68671
Hounslow - Greater London16£31,413427,5575
Inverclyde1£15,998482,4042
Isle of Wight3£9,8621583,8961
Kent76£19,354754,825182
Kingston upon Thames - Greater London12£26,382536,46338
Lancashire190£18,751763,478327
Larne2£8,24512116,5005
Leicestershire87£23,667554,709259
Limavady1£16,490647,000-
Lincolnshire123£22,194549,328177
Lisburn5£16,093870,2774
Magherafelt14£18,873771,64218
Merseyside64£23,372560,98097
Merthyr Tydfil4£19,499683,7129
Merton - Greater London2£5,49513113,2992
Monmouthshire2£4,1231698,0602
Moray2£18,495772,79311
Newham - Greater London1£7,5008105,0001
Newport2£10,99510102,3627
Newry and Mourne18£24,379452,48222
Newtownabbey12£22,442545,14322
Norfolk78£17,728863,171151
North Ayrshire16£31,023221,58322
North Down2£3,39514139,5007
North Lanarkshire9£19,974666,57223
North Yorkshire58£23,290655,707128
Northamptonshire40£17,749867,53190
Northumberland7£22,419754,46812
Nottinghamshire135£23,827556,189343
Omagh4£23,875455,29517
Oxfordshire20£27,465433,41328
Perth and Kinross10£28,301439,48119
Redbridge - Greater London7£12,8861165,0808
Renfrewshire11£20,088550,25114
Rhondda Cynon Taf7£9,9941076,64115
Richmond upon Thames - Greater London1£19,995746,300-
Scottish Borders1£12,6491291,8091
Shropshire46£26,678553,27382
Somerset36£18,605761,06877
South Ayrshire4£11,4961077,2947
South Lanarkshire16£31,702215,61024
South Yorkshire133£20,362766,569277
Staffordshire96£22,337548,102203
Stirling8£29,795333,32925
Strabane5£25,685461,4238
Suffolk34£16,713964,48163
Surrey77£19,490853,066158
Sutton - Greater London3£14,297865,3334
Tyne and Wear65£18,139764,040153
Warwickshire35£28,758443,79974
West Dunbartonshire1£11,995874,1505
West Lothian11£17,031772,49222
West Midlands280£20,264769,578469
West Sussex40£23,506752,25280
West Yorkshire200£19,953757,935416
Wiltshire102£24,192549,127170
Worcestershire14£34,722647,53046
Add postcode for better results.