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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.

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
All484£26,961652,884714
Aberdeen City3£27,398639,6162
Ballymoney2£18,445880,096-
Banbridge1£13,9951077,0001
Bedfordshire9£20,106862,08414
Belfast5£44,995115,22813
Berkshire12£32,225548,7578
Brent - Greater London2£17,8731192,0002
Bristol5£39,972229,87014
Bromley - Greater London3£29,447533,8285
Buckinghamshire6£24,488865,9827
Cambridgeshire11£18,927879,15920
Carmarthenshire1£25,995635,6201
Carrickfergus2£18,3501072,074-
Ceredigion1£26,495653,945-
Cheshire12£28,339671,68924
City of Edinburgh7£35,681336,3878
City of London - Greater London1£21,000696,000-
Coleraine1£20,875872,0001
Conwy1£17,995966,0001
Cookstown1£12,995-90,0911
Cornwall2£28,450549,9922
County Durham4£27,120778,07812
Craigavon3£35,647333,324-
Cumbria3£28,684643,3332
Derbyshire12£29,123645,67218
Devon6£25,772857,7219
Dundee City3£33,833431,2783
Dungannon1£12,8951088,0004
East Sussex4£34,245645,6532
Enfield - Greater London2£32,498421,6873
Essex23£25,616658,66839
Falkirk1£28,750747,401-
Fermanagh1£13,995998,296-
Fife4£32,603533,2553
Flintshire1£15,995865,000-
Glasgow City6£37,897440,67812
Gloucestershire3£29,181645,0233
Greater Manchester26£30,293545,60858
Hampshire8£31,270544,58712
Havering - Greater London10£28,664648,4427
Herefordshire1£18,495856,2522
Hertfordshire25£24,390761,94234
Highland2£35,098443,6933
Hillingdon - Greater London5£24,557753,9418
Hounslow - Greater London1£35,890325,0753
Kent6£29,197655,36011
Kingston upon Thames - Greater London1£29,995740,9683
Lancashire28£35,254540,01529
Leicestershire15£32,550550,21123
Lincolnshire8£29,963648,01417
Magherafelt3£28,450657,0002
Merseyside9£33,575534,8979
Moray1£28,995534,825-
Newry and Mourne4£30,118642,5948
Newtownabbey1£15,995962,316-
Norfolk6£22,243865,5228
North Ayrshire1£30,998554,402-
North Down1£14,9951060,3301
North Lanarkshire2£22,893769,343-
North Yorkshire8£39,347430,11910
Northamptonshire2£31,473527,5096
Northumberland2£23,240745,3381
Nottinghamshire20£29,752643,89612
Oxfordshire2£37,550325,0095
Perth and Kinross4£28,718646,1152
Shropshire4£23,398852,16712
Somerset3£16,563976,1895
South Lanarkshire1£27,995721,8371
South Yorkshire12£31,415546,52720
Staffordshire10£30,865641,83320
Stirling4£37,195424,2283
Suffolk5£30,747647,7505
Surrey12£27,476643,3129
Tyne and Wear15£17,985973,79622
Warwickshire1£26,500544,6184
West Dunbartonshire1£23,998747,574-
West Lothian1£8,99511138,9531
West Midlands14£27,502758,83747
West Sussex1£13,9951184,0005
West Yorkshire22£28,491643,16535
Wiltshire7£35,921331,12911
Worcestershire4£29,925546,7466
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