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
All4,917£19,588759,0688,798
Aberdeen City34£28,529430,12429
Aberdeenshire2£24,485647,53911
Angus4£23,470740,9882
Antrim4£19,600748,56718
Ards7£22,761855,1179
Armagh10£13,686881,00413
Ballymena20£20,788662,56112
Ballymoney3£25,295550,99711
Barking & Dagenham - Greater London4£12,22611104,6598
Barnet - Greater London3£19,610644,0004
Bedfordshire157£16,840872,498215
Belfast42£30,053325,84661
Berkshire48£18,550863,183119
Blaenau Gwent2£12,5971083,3971
Brent - Greater London10£16,404669,87534
Bristol103£17,164971,462127
Bromley - Greater London14£24,585634,71645
Buckinghamshire91£22,084762,092140
Cambridgeshire162£17,302770,966325
Cardiff3£16,299672,8553
Carmarthenshire1£9,9951088,677-
Carrickfergus7£15,055974,5664
Ceredigion2-1083,0004
Cheshire147£21,494658,912270
City of Edinburgh34£15,719968,10555
City of London - Greater London20£17,331975,86449
Clackmannanshire1£20,998621,347-
Coleraine8£19,046653,87318
Conwy1£9,8951194,9203
Cookstown12£20,105667,4962
Cornwall18£23,556643,93248
County Durham66£19,024760,199135
Craigavon17£31,479325,49931
Croydon - Greater London15£29,169640,92227
Cumbria17£16,831857,39224
Derbyshire122£17,102962,373266
Derry5£12,184885,0061
Devon74£18,003960,843111
Dorset32£18,332951,58758
Down4£25,495431,750-
Dumfries and Galloway4£25,497535,9917
Dundee City11£26,483639,97630
Dungannon20£19,600773,93422
Ealing - Greater London8£11,3441070,75911
East Ayrshire4£15,745854,7568
East Lothian1£19,999563,0001
East Riding of Yorkshire2£26,745237,6877
East Sussex62£20,682857,13656
Enfield - Greater London12£19,720745,12129
Essex108£18,566861,983219
Falkirk14£12,5801074,92811
Fermanagh13£25,325450,83812
Fife33£22,882641,92634
Flintshire10£20,858762,1414
Glasgow City77£25,945539,486129
Gloucestershire40£24,151547,96963
Greater Manchester400£20,279760,426715
Hampshire154£19,214758,403215
Harrow - Greater London5£13,756961,24316
Havering - Greater London62£20,926663,312134
Herefordshire11£30,216424,50426
Hertfordshire161£20,606655,437268
Highland17£33,221218,82616
Hillingdon - Greater London32£18,210863,09371
Hounslow - Greater London12£28,662528,8267
Inverclyde1£15,998482,4042
Isle of Wight3£9,8621583,8961
Kent81£19,474753,973171
Kingston upon Thames - Greater London13£24,596536,89537
Lancashire187£19,061763,472323
Larne2£8,74512116,5005
Leicestershire97£23,691655,966256
Limavady1£16,990647,000-
Lincolnshire112£22,022549,395173
Lisburn6£15,077870,0644
Magherafelt15£18,958771,27419
Merseyside60£24,172559,404106
Merthyr Tydfil5£18,313779,70110
Merton - Greater London1£7,9951097,3992
Monmouthshire2£4,2731698,0603
Moray2£18,495772,79310
Neath Port Talbot1£10,99010-1
Newham - Greater London1£7,9998105,0001
Newport1£14,495869,7237
Newry and Mourne19£24,558447,28721
Newtownabbey10£24,615536,52723
Norfolk78£18,302860,996141
North Ayrshire19£28,372330,50523
North Down4£11,9341094,7226
North Lanarkshire10£19,327659,13925
North Yorkshire66£23,546656,203125
Northamptonshire41£16,730868,39890
Northumberland7£22,019854,79311
Nottinghamshire126£22,550560,295357
Omagh5£17,290681,75016
Oxfordshire20£26,870435,80632
Perth and Kinross10£25,991546,82420
Redbridge - Greater London7£12,9181165,0809
Renfrewshire8£17,498657,00120
Rhondda Cynon Taf7£10,0981077,64416
Richmond upon Thames - Greater London1£19,995746,300-
Scottish Borders1£12,6491291,8091
Shropshire54£25,597554,57081
Somerset32£18,541757,62978
South Ayrshire3£11,4951079,8538
South Lanarkshire15£34,775215,19926
South Yorkshire133£20,761765,233277
Staffordshire104£21,974647,517201
Stirling9£25,895435,36925
Strabane9£26,184456,4144
Suffolk38£16,593961,85765
Surrey81£20,067852,258155
Sutton - Greater London1£18,000765,0004
Tyne and Wear83£18,238763,549145
Warwickshire45£27,300446,29566
West Dunbartonshire1£11,995874,1505
West Lothian9£16,811769,31021
West Midlands287£19,057768,470465
West Sussex45£23,353751,14880
West Yorkshire210£20,173758,177413
Wiltshire110£24,947547,776164
Worcestershire19£27,121862,13544
Add postcode for better results.