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Used BMW 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.

Financing a BMW

If you're considering securing a used BMW on finance in the UK, here's a concise guide to assist you in your journey.


Quick Guide: Used BMW on Finance


Why Choose BMW?

  • Premium German craftsmanship and engineering.
  • Sporty aesthetics and performance-driven models.
  • High resale value and desirability.
  • Array of models ranging from sedans, SUVs to sporty coupes.

Top Places to Buy:

  • BMW's Approved Used Cars Programme for vetted vehicles.
  • Local BMW dealerships.
  • Reliable online automotive platforms.
  • Private sellers (ensure thorough vehicle checks).

Popular BMW Models in the UK:

  1. BMW 3 Series - An all-time favourite sedan.
  2. BMW 1 Series - Compact hatchback, ideal for city dwellers.
  3. BMW X5 - Luxury SUV with ample space.
  4. BMW 4 Series - Stylish coupe/convertible.
  5. BMW 5 Series - Executive saloon with top-notch features.

Finance Options:

  1. PCP (Personal Contract Purchase): Start with a deposit, followed by monthly payments. End choices include buying the car outright, trading it, or handing it back.
  2. HP (Hire Purchase): Deposit followed by set monthly instalments. Once payments are complete, the car is yours.
  3. Leasing: Pay monthly to use the car, then return it at contract's end.

Your Credit Score: Having a strong credit score could grant you more appealing interest rates.

Budget Planning: Determine a practical deposit and monthly payment. Remember to account for other costs: insurance, road tax, and maintenance.

Pre-purchase Checks:

  • Confirm a comprehensive service history.
  • Verify the stated mileage.
  • Be cautious: prematurely exiting a finance contract might result in additional charges.

Price Negotiation Tips:

  • Research typical prices for your chosen BMW model.
  • Use the car's age, mileage, and condition to your advantage during negotiations.
  • Discuss interest rates, deposit amounts, and monthly payment conditions.

With this guide in hand, you're prepared to venture into the UK's used car market in search of a BMW on finance. Safe travels and enjoy your BMW experience!

About BMW

Originating from Germany, BMW has long been a stalwart of the premium automotive world. Their famous slogan, "The Ultimate Driving Machine", truly encapsulates the brand's ethos. In the UK, BMWs are synonymous with driving pleasure, innovation, and class-leading luxury.

Key Features and Specifications

  • Performance: With a rich motorsport heritage, BMW ensures that even their everyday models offer spirited driving dynamics.
  • Luxury Interiors: Every BMW boasts a meticulously crafted interior, complete with high-quality materials, intuitive controls, and the latest infotainment technology.
  • EfficientDynamics: BMW's approach to optimising performance and efficiency simultaneously is evident in their engine technology and lightweight construction techniques.
  • Electrification: With the BMW i and iPerformance ranges, BMW is at the forefront of electric and hybrid vehicle technology.

Most Popular Models in the UK

BMW's model range caters to a wide variety of preferences and needs. Here are some of the standout favourites among British drivers:

  • BMW 3 Series: This executive saloon is a benchmark in its class, known for its dynamic driving experience and premium build quality.
  • BMW 1 Series: A premium hatchback that offers an agile driving experience coupled with top-tier interiors and tech features.
  • BMW X5: A luxurious SUV that doesn't compromise on performance, the X5 offers versatility, space, and state-of-the-art features.
  • BMW i3: An all-electric city car with a unique design, the i3 reflects BMW's commitment to sustainability without sacrificing driving pleasure.

For those in the UK who value a blend of luxury, performance, and cutting-edge technology, BMW remains a top choice in the premium vehicle market.

BMW Data

Find out which BMW vehicles are most popular, their average price, age and mileage and recent sales.

ModelStockAvg PriceAvg Age (years)Avg MileageRecent Sales
All Models35,969£33,877743,59963,239
1 Series5,907£17,384646,59611,956
2 Series1,320£19,567541,4732,924
2 Series Active Tourer460£15,432645,458874
2 Series Gran Coupe1,437£23,167434,0892,701
2 Series Gran Tourer179£10,935866,381408
3 Series5,662£20,746757,88010,209
3 Series Gran Turismo130£10,1931080,783167
4 Series1,111£22,042753,2382,087
4 Series Gran Coupe1,282£21,307757,7342,374
5 Series2,400£22,581759,9783,920
5 Series Gran Turismo28£9,9081285,58934
6 Series129£14,4511372,552171
6 Series Gran Coupe130£14,4791276,798115
6 Series Gran Turismo42£18,667868,38977
7 Series311£31,175859,813415
8 Series92£35,644640,232217
8 Series Gran Coupe136£34,722541,978305
Alpina25£41,0891158,47124
i3279£12,125738,506591
i4774£33,617229,2751,167
i5251£45,142110,655607
i7109£67,260214,874101
i859£42,098935,44480
iX640£45,350225,746902
iX1423£30,852217,878733
iX2364£35,44316,566481
iX3486£33,084334,946719
M129£23,684644,10531
M2360£43,758526,656654
M3602£57,109631,855720
M4554£44,789634,273898
M5298£64,292530,850321
M618£25,0021355,16621
M6 Gran Coupe9£28,2951050,73411
M847£62,668425,05250
M8 Gran Coupe14£56,411433,22611
X12,154£21,515643,4434,065
X2729£20,680540,4561,459
X32,415£31,053543,5294,018
X3 M193£41,426436,007342
X4568£28,497650,421840
X4 M78£44,190537,405124
X52,295£44,221548,3643,239
X5 M188£58,708537,480240
X6415£34,799758,112592
X6 M48£57,931533,71169
X7315£66,060225,176368
XM56£82,578111,15863
Z336£6,9292670,38322
Z3 M8£43,9942738,6026
Z4361£20,6471049,091702
Z4 M13£23,9201650,57414
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