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Used BMW X4 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.

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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 X4 on finance

Thinking about a used BMW X4 on finance? This sporty SUV combines driving dynamics with a distinctive design. Here's a quick guide.


Q: Why the BMW X4? A: The X4 offers the performance you'd expect from a BMW with the versatility of an SUV. Always a good idea to check reviews to ensure it meets your expectations.

Q: Where can I find a used one? A: Start with BMW's official used car listings. Other good spots include online car portals, local BMW dealerships, and classified ads.

Q: What finance options do I have? A:

  • PCP: Pay a deposit, then monthly amounts. At the end, you can buy the X4, swap it, or give it back.
  • HP: After a deposit, you make monthly payments. Finish these, and the X4 is yours.
  • Leasing: Think of it as a long-term rent. You get the X4 for a set period, then return it.
  • Personal Loan: Borrow the money, buy the X4 upfront, and pay back the loan every month.

Q: How do I know I'm getting a fair deal? A: Compare offers. Get quotes from BMW's finance and other lenders. Use the APR to see the full cost of borrowing.

Q: My credit score - is it important? A: Yes. A better score can get you better terms. Sites like Experian or Equifax can show you your score.

Q: How do I set a budget? A: Decide on a comfy monthly payment. A bigger deposit at the start might lower your monthly fees.

Q: Contract details to look for? A: If it's PCP or a lease, check for mileage limits. Also, see if there are charges if you end the deal early.

Q: Can I haggle on the price? A: Yes, you can! Negotiating might land you a better deal on the X4 or improved finance terms.


There you have it. Remember to read any contracts closely and ask questions if something isn't clear. Happy hunting for your BMW X4!

About the BMW X4

Enter the world of BMW's 'Sports Activity Coupés', and the X4 stands tall, embodying the fusion of sporty aesthetics with SUV ruggedness. Originally launched in 2014, the BMW X4 has been a testament to the brand's ambition to meld design niches and cater to a unique clientele.

Origins and Evolution:

The X4 was birthed from BMW's vision to combine the dynamics of their X models with the sporty aura of a coupé. This resulted in a car that sports a robust stance, accentuated with a sloping roofline reminiscent of elegant coupés. Over the years, the X4 has seen refinements in design, tech, and performance, keeping it fresh in a competitive segment.

Driving Experience:

True to its BMW badge, the X4 promises an engaging drive. Whether navigating city streets or embracing open highways, its agile handling, powerful engine options, and precise steering make for an exhilarating experience. BMW's xDrive, their intelligent all-wheel-drive system, ensures optimal traction, adding to the X4's versatile prowess.

The Competitive Landscape:

The BMW X4 goes head-to-head with competitors like the Mercedes-Benz GLC Coupé, Audi Q5 Sportback, and Porsche Macan. While each model offers a distinctive blend of luxury and performance, the X4’s blend of SUV functionality and coupé charisma sets it apart.

In Summary:

The BMW X4 is more than just a vehicle; it’s a statement. Merging the versatility of an SUV with the beauty of a coupé, it appeals to those seeking something beyond the ordinary. As BMW continues to innovate, the X4 remains a testament to their commitment to driving pleasure and design excellence.

Buying Guide

Want to find out everything about all X4 models, pros and cons, what to look out for and everything else you need to know? Check out our BMW X4 buying guide here.

BMW X4 Data by County

BMW X4 data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All588£27,911651,763850
Aberdeenshire8£28,098648,7402
Ayrshire2£29,997654,2011
Bedfordshire18£24,504662,20611
Berkshire8£37,146332,82416
Blaenau Gwent2£20,245963,081-
Bridgend1£39,495218,508-
Bristol6£21,644873,06711
Buckinghamshire10£23,861870,39312
Cambridgeshire14£27,430657,67917
Cardiff7£23,576869,21113
Ceredigion2£27,495645,722-
Cheshire13£29,309567,30019
Conwy3£26,163672,0003
Cornwall1£17,499878,0002
County Antrim5£30,166543,73317
County Armagh8£26,739649,68511
County Down3£17,832887,2793
County Durham7£22,879779,5767
County Fermanagh1£36,290-33,4541
County Londonderry12£23,033765,4029
County Tyrone5£22,295774,9215
Cumbria1£27,041725,9004
Derbyshire11£24,948765,07622
Devon3£34,310634,24911
Dorset4£37,149419,9192
Dunbartonshire1£22,998747,574-
East Riding of Yorkshire2£22,973753,3036
East Sussex9£19,7201053,5125
Essex30£28,332552,25239
Falkirk1£27,910747,401-
Fife5£33,556427,6184
Gloucestershire6£41,28317,7869
Greater London42£28,166649,31857
Greater Manchester46£26,690651,86945
Hampshire18£28,374650,67919
Herefordshire1£41,95018,3111
Hertfordshire25£21,799865,76843
Highland3£32,797446,1291
Kent10£31,590545,49115
Lanarkshire9£25,175663,97616
Lancashire26£31,186548,14328
Leicestershire11£28,139556,34622
Lincolnshire11£26,589649,97314
Merseyside6£29,786648,02111
Merthyr Tydfil1£28,499362,068-
Midlothian8£36,807322,4709
Moray1£28,995534,825-
Neath Port Talbot1£34,495632,500-
Newport7£27,304665,6118
Norfolk8£24,358770,72313
North Yorkshire6£37,060443,20018
Northamptonshire7£21,262776,2188
Nottinghamshire15£25,255662,84728
Oxfordshire1£38,950441,0006
Perth & Kinross1£28,998736,7104
Renfrewshire1£39,998337,5852
Shropshire4£23,324763,83514
Somerset5£24,191760,4614
South Yorkshire14£30,703542,97624
Staffordshire8£21,059862,82025
Stirling2£34,095517,7976
Suffolk5£31,315640,27310
Surrey12£24,469747,56812
Torfaen1£14,995971,666-
Tyne and Wear5£22,639856,79821
Warwickshire1£22,000782,9726
West Lothian3£18,581871,4494
West Midlands13£26,458659,60234
West Sussex4£31,646553,0204
West Yorkshire24£28,000645,51541
Wiltshire8£28,793544,8878
Worcestershire5£27,178653,9597
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