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Used BMW on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

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 AgeAvg MileageRecent Sales
All BMW31,779£35,921640,78168,915
1 Series6,167£17,598643,70513,882
2 Series1,400£18,567537,3153,981
2 Series Active Tourer365£16,818541,940954
2 Series Gran Coupe890£26,945320,1641,840
2 Series Gran Tourer210£14,340651,000630
3 Series6,272£19,396757,96113,091
3 Series Gran Turismo102£12,316874,854181
4 Series1,570£19,714655,1613,128
4 Series Gran Coupe1,074£23,305545,9622,204
5 Series2,755£20,850760,5915,518
5 Series Gran Turismo31£11,8201180,80852
6 Series262£16,1831171,674358
6 Series Gran Coupe107£15,2351077,127141
6 Series Gran Turismo23£23,686649,51246
7 Series357£28,592858,484555
8 Series148£41,411530,040253
8 Series Gran Coupe96£42,908325,598242
Alpina30£23,3571481,59933
i3650£15,716529,919921
i4249£51,10017,600412
i743£103,12614,34285
i879£42,775740,00084
iX185£68,80219,149324
iX1254£44,02114,278269
iX3148£44,080212,299308
M162£21,056641,776130
M2338£37,616426,936665
M3453£48,580836,501672
M4537£40,294530,2351,018
M5179£44,195740,125300
M620£28,327953,19728
M6 Gran Coupe9£27,274856,73417
M829£77,046313,52555
X11,526£16,639750,4784,340
X2573£23,195429,5891,416
X31,282£26,636649,8013,836
X3 M102£42,895429,555340
X4339£29,348550,321926
X4 M45£47,263428,667113
X51,675£35,566757,3513,467
X5 M99£58,711430,532228
X6409£35,736650,152692
X6 M45£54,628430,46744
X7146£67,790327,618250
XM10£121,72013,89112
Z343£10,5412460,56432
Z4360£17,3351050,604809
Z4 M18£22,3461352,11320
Z3 M6£28,4102553,1754
M8 Gran Coupe7£70,266314,0679
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