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
All5,065£19,310760,2638,871
Aberdeen City24£25,464535,31542
Aberdeenshire4£23,709544,54617
Angus5£20,255861,1351
Antrim6£20,957653,08620
Ards7£23,4751051,9747
Armagh10£12,297989,45515
Ballymena21£21,928661,37312
Ballymoney3£19,445671,20212
Barking & Dagenham - Greater London5£13,5379100,6375
Barnet - Greater London2£16,920749,3003
Bedfordshire146£17,046970,485211
Belfast34£30,494329,30357
Berkshire67£18,894863,051111
Blaenau Gwent2£12,5971083,3972
Brent - Greater London10£16,989679,87539
Bristol98£18,386966,996135
Bromley - Greater London10£24,148733,87943
Buckinghamshire92£23,292864,010139
Cambridgeshire191£17,084873,481317
Cardiff1£18,696675,3003
Carrickfergus7£17,292773,9955
Ceredigion2-1295,0003
Cheshire151£21,560658,823281
City of Edinburgh40£18,005862,16455
City of London - Greater London24£14,3781176,69942
Clackmannanshire1£20,998621,347-
Coleraine7£19,764656,01818
Conwy5£13,9751147,0173
Cookstown12£20,146667,4153
Cornwall17£19,976959,26944
County Durham70£20,086758,999137
Craigavon27£30,319428,19917
Croydon - Greater London18£28,004642,88228
Cumbria13£19,293845,84724
Derbyshire135£17,453859,991289
Derry4£14,184999,7583
Devon75£18,216857,569123
Dorset36£18,790953,68852
Down4£25,745431,5001
Dumfries and Galloway4£24,435638,9777
Dundee City15£25,685538,19735
Dungannon18£18,545779,05020
Ealing - Greater London8£11,245988,26315
East Ayrshire6£13,513962,3918
East Lothian1£5,6501484,629-
East Riding of Yorkshire6£14,9311069,2556
East Sussex67£19,424959,96554
Enfield - Greater London13£24,202635,18736
Essex127£18,851860,618220
Falkirk14£11,1001082,00910
Fermanagh17£23,856457,2089
Fife31£24,216642,68637
Flintshire9£20,954760,9354
Glasgow City81£24,557542,748139
Gloucestershire53£21,614552,25960
Greater Manchester394£20,403760,916730
Hampshire145£20,299758,787219
Harrow - Greater London6£10,8291259,64517
Havering - Greater London71£19,427664,922139
Herefordshire17£26,270738,60825
Hertfordshire133£23,218651,180266
Highland17£32,821221,75022
Hillingdon - Greater London37£16,944869,41470
Hounslow - Greater London7£27,284529,22213
Inverclyde2£15,498674,0931
Isle of Wight3£9,8621583,8962
Kent89£19,281755,032169
Kingston upon Thames - Greater London10£25,772539,30531
Lancashire204£18,881763,615332
Larne2£7,49512121,0004
Leicestershire122£22,709658,456234
Limavady1£16,990647,000-
Lincolnshire112£21,751650,099188
Lisburn6£16,462866,2003
Magherafelt17£17,739777,69519
Merseyside66£23,890554,181121
Merthyr Tydfil4£17,497889,9409
Merton - Greater London3£11,612978,531-
Monmouthshire2£4,7501782,5101
Moray5£16,595867,9208
Neath Port Talbot2£9,29510--
Newport2£15,747588,2174
Newry and Mourne22£22,764555,46321
Newtownabbey10£19,582753,62027
Norfolk82£18,100862,714148
North Ayrshire11£29,079434,53228
North Down3£15,062987,9636
North Lanarkshire13£19,688754,72822
North Yorkshire55£20,917757,237132
Northamptonshire26£17,889865,746109
Northumberland8£24,217648,98214
Nottinghamshire143£20,833660,183373
Omagh6£18,510570,56317
Oxfordshire13£24,996540,67441
Pembrokeshire2£14,147868,996-
Perth and Kinross12£22,042754,72213
Redbridge - Greater London10£12,0251073,9608
Renfrewshire9£20,498548,04516
Rhondda Cynon Taf6£10,1801081,05014
Scottish Borders1£15,6498103,3451
Shropshire57£25,574550,15183
Somerset38£19,940760,17372
South Ayrshire7£16,093870,9816
South Lanarkshire11£24,586540,43729
South Yorkshire144£20,538763,834254
Staffordshire104£23,887645,049196
Stirling15£25,922433,45624
Strabane9£25,407457,2335
Suffolk35£15,933966,14664
Surrey75£21,754849,689153
Sutton - Greater London3£11,480979,3333
Swansea1£12,999878,949-
Tower Hamlets - Greater London1£26,995757,000-
Tyne and Wear79£17,124863,758126
Warwickshire43£26,170552,17463
West Dunbartonshire2£15,997859,5503
West Lothian9£17,789761,37019
West Midlands274£19,517766,288449
West Sussex45£23,655849,33478
West Yorkshire211£20,881757,765443
Wiltshire111£24,386649,197145
Worcestershire24£27,085757,21760
Add postcode for better results.