Get a Carsnitch Report for Free Owner, price, MOT & dealer.

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
All544£28,444650,778786
Ballymena1£12,9951187,862-
Ballymoney2£18,993880,0962
Banbridge2£14,4739104,5002
Bedfordshire15£24,079767,70716
Belfast11£33,260447,2775
Berkshire9£25,229762,84618
Brent - Greater London4£16,012996,7501
Bristol6£21,184862,59811
Bromley - Greater London6£30,343634,9426
Buckinghamshire3£48,663211,9518
Cambridgeshire16£20,944873,43323
Cardiff5£31,598548,5807
Carmarthenshire1£27,995635,620-
Ceredigion1£28,750653,945-
Cheshire12£35,922457,51329
City of Edinburgh8£34,413532,9137
City of London - Greater London5£33,453439,07513
Coleraine2£23,248754,0711
Cookstown1£23,250769,6392
Cornwall2£30,925549,9923
County Durham7£23,707776,88315
Craigavon1£38,645530,274-
Croydon - Greater London1£51,09438,7537
Cumbria3£26,635739,6923
Derbyshire7£30,760653,49122
Derry1-211,000-
Devon7£28,955758,8502
Dundee City2£22,249855,321-
Dungannon3£19,993862,0303
Ealing - Greater London1£19,990640,9751
East Riding of Yorkshire2£26,147662,6343
East Sussex10£15,4071155,7902
Enfield - Greater London4£43,14827,5685
Essex23£28,224653,43236
Fermanagh1£13,995998,296-
Fife4£38,739525,7843
Flintshire1£15,995865,0002
Glasgow City7£34,350539,19214
Gloucestershire4£30,772646,2461
Greater Manchester38£25,851758,86248
Greenwich - Greater London1£39,99335,356-
Hampshire16£32,337543,83215
Havering - Greater London10£29,407657,07118
Hertfordshire15£31,147649,19327
Highland3£41,662323,3573
Hillingdon - Greater London4£32,425643,2207
Inverclyde1£14,4981165,981-
Kent8£35,188749,4486
Kingston upon Thames - Greater London3£30,597547,5542
Lancashire23£32,072646,53330
Leicestershire12£39,270434,42021
Lincolnshire9£29,518747,81315
Lisburn1£22,990680,9343
Magherafelt7£27,491655,2463
Merseyside3£30,662642,04313
Monmouthshire1£25,9954123,000-
Neath Port Talbot1£34,495632,500-
Newham - Greater London1£25,995783,4231
Newport4£27,124750,0394
Newry and Mourne3£25,162758,3067
Norfolk5£27,993759,65511
North Down1£15,9951060,3301
North Lanarkshire1£23,698763,825-
North Yorkshire10£31,800539,34611
Northamptonshire3£26,963667,6158
Northumberland1£27,980642,9002
Nottinghamshire15£24,962755,82223
Oxfordshire2£35,350440,7834
Perth and Kinross1£32,499536,5843
Shropshire7£31,961642,34013
Somerset3£18,100868,8812
South Ayrshire1£29,995654,000-
South Lanarkshire4£37,695518,6985
South Yorkshire12£33,309546,37017
Staffordshire15£31,680640,91629
Stirling5£31,826652,7584
Suffolk4£28,348750,9826
Surrey8£31,392526,55413
Swansea5£30,877638,9308
Tyne and Wear14£19,337866,91324
Warwickshire4£38,750431,7665
West Dunbartonshire1£24,998747,574-
West Lothian1£27,995756,0001
West Midlands23£30,722648,50746
West Sussex2£24,993938,0276
West Yorkshire22£29,470647,72131
Wiltshire4£32,697542,74213
Worcestershire5£43,310321,2914
Add postcode for better results.