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
All4,870£19,733759,2788,894
Aberdeen City32£29,221327,52134
Aberdeenshire2£24,485647,5399
Angus3£25,295641,6503
Antrim4£19,600748,56718
Ards7£22,618855,1178
Armagh9£14,471879,42514
Ballymena20£20,788662,56112
Ballymoney4£25,295761,25011
Banbridge1£26,900317,000-
Barking & Dagenham - Greater London4£12,10111104,6597
Barnet - Greater London3£19,610644,0004
Bedfordshire168£16,697872,434221
Belfast41£30,105325,80860
Berkshire51£18,254863,780116
Blaenau Gwent2£12,5971083,3971
Brent - Greater London9£15,598773,63936
Bristol112£16,638971,663125
Bromley - Greater London14£23,623740,96346
Buckinghamshire93£21,909762,248146
Cambridgeshire160£16,674772,504320
Cardiff3£16,382672,8553
Carmarthenshire1£9,9951088,677-
Carrickfergus7£15,055974,5663
Ceredigion3£14,991977,1944
Cheshire149£21,271659,922271
City of Edinburgh36£16,818865,13356
City of London - Greater London20£16,205978,72250
Clackmannanshire1£20,998621,347-
Coleraine8£18,859658,43519
Conwy2£8,1951294,4602
Cookstown12£20,105667,4962
Cornwall16£23,847639,72851
County Durham65£19,211760,617137
Craigavon18£31,975221,03235
Croydon - Greater London18£29,162640,49827
Cumbria18£17,835857,26123
Derbyshire120£17,235962,143264
Derry5£11,934885,0061
Devon70£17,989960,587112
Dorset33£18,020954,44756
Down3£22,495436,3331
Dumfries and Galloway3£25,330538,5069
Dundee City12£26,068532,27831
Dungannon21£18,838774,56621
Ealing - Greater London9£10,5831082,02412
East Ayrshire3£17,327750,4499
East Lothian1£19,999563,0001
East Riding of Yorkshire2£28,094341,9278
East Sussex63£20,054958,11256
Enfield - Greater London11£20,514741,51330
Essex103£18,320863,238216
Falkirk13£11,3411079,10611
Fermanagh12£25,307453,54914
Fife33£22,933640,99330
Flintshire10£20,858762,1411
Glasgow City81£25,417539,955129
Gloucestershire39£23,473547,86664
Greater Manchester388£20,306760,513713
Hampshire143£19,612759,407227
Harrow - Greater London5£13,756961,24315
Havering - Greater London61£20,439666,844141
Herefordshire10£32,684322,78528
Hertfordshire161£20,741656,249272
Highland17£33,468116,23617
Hillingdon - Greater London31£18,545861,62671
Hounslow - Greater London11£27,571529,3827
Inverclyde1£15,998482,4042
Isle of Wight3£9,8621583,8961
Kent77£18,918754,443175
Kingston upon Thames - Greater London12£27,163535,99939
Lancashire190£18,919763,832327
Larne2£8,74512116,5005
Leicestershire98£22,420658,209259
Limavady1£16,990647,000-
Lincolnshire121£22,766547,950173
Lisburn5£16,093870,2774
Magherafelt15£18,958771,27419
Merseyside62£24,211558,940103
Merthyr Tydfil4£16,142777,67111
Merton - Greater London1£7,9951098,1952
Monmouthshire2£4,1231698,0603
Moray3£19,828764,17010
Neath Port Talbot1£10,99010-1
Newham - Greater London1£7,9998105,0001
Newport2£10,99510102,3627
Newry and Mourne21£23,619553,21321
Newtownabbey11£23,104542,43624
Norfolk82£18,188861,499144
North Ayrshire17£30,328325,76424
North Down2£3,39514139,5008
North Lanarkshire11£20,140660,92825
North Yorkshire57£23,552654,965134
Northamptonshire41£17,052868,41187
Northumberland7£24,733748,71012
Nottinghamshire120£23,589557,711361
Omagh4£15,438687,33315
Oxfordshire19£28,164331,64430
Perth and Kinross9£24,601549,07420
Redbridge - Greater London7£12,8861165,0809
Renfrewshire11£20,089550,66617
Rhondda Cynon Taf7£9,8981079,25016
Richmond upon Thames - Greater London1£19,995746,300-
Scottish Borders1£12,6491291,8091
Shropshire51£26,042554,06181
Somerset34£18,257858,44280
South Ayrshire3£11,4951079,8538
South Lanarkshire13£33,164213,13928
South Yorkshire131£21,257763,197279
Staffordshire102£21,984648,053198
Stirling9£30,862330,27323
Strabane8£26,084455,9685
Suffolk33£16,803964,05468
Surrey71£19,802851,969162
Sutton - Greater London2£14,748861,0004
Tyne and Wear75£18,633762,756148
Warwickshire42£27,521445,08467
West Dunbartonshire1£11,995874,1505
West Lothian12£18,516763,77320
West Midlands284£19,758766,888477
West Sussex46£23,189752,03580
West Yorkshire207£20,518757,517418
Wiltshire109£24,398548,833168
Worcestershire18£29,008754,00644
Add postcode for better results.