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
All512£27,452650,745676
Aberdeen City2£28,998638,6725
Ballymena1£12,9951187,862-
Ballymoney2£18,993880,0962
Bedfordshire12£25,637761,0149
Belfast8£32,471452,0177
Berkshire9£28,501657,38711
Brent - Greater London2£17,8731192,0002
Bristol6£29,013648,21614
Bromley - Greater London4£31,553429,8117
Buckinghamshire6£39,582435,8595
Cambridgeshire18£21,063868,69416
Carmarthenshire1£25,995635,620-
Carrickfergus1£23,950858,147-
Ceredigion1£26,495653,945-
Cheshire7£24,607761,53628
City of Edinburgh8£29,259545,3058
Coleraine2£23,648754,071-
Conwy1£17,995968,000-
Cookstown1£12,995-90,0912
Cornwall2£29,175549,9922
County Durham8£24,183773,34217
Craigavon1£27,950567,897-
Croydon - Greater London2£54,72228,6124
Cumbria3£26,356740,0922
Derbyshire11£24,768757,08120
Derry1-211,000-
Devon8£25,533761,4593
Dundee City5£29,260640,8991
Dungannon1£29,995549,6505
East Sussex1£12,9951289,0003
Enfield - Greater London2£34,292421,2825
Essex25£26,463663,00231
Fermanagh1£13,995998,296-
Fife3£28,713630,1673
Flintshire1£15,995865,0002
Glasgow City6£32,946545,62017
Gloucestershire3£36,198530,9272
Greater Manchester37£28,614650,61251
Hampshire10£29,032648,10915
Havering - Greater London9£31,336642,37414
Hertfordshire17£26,203751,91429
Highland1£23,990856,0002
Hillingdon - Greater London6£27,239751,3976
Hounslow - Greater London1£35,890325,0753
Kent4£38,139544,56410
Kingston upon Thames - Greater London1£40,571317,0143
Lancashire24£34,993541,04035
Leicestershire10£30,941656,97520
Lincolnshire9£25,543854,08611
Magherafelt7£28,184656,8181
Merseyside9£32,022542,6619
Newham - Greater London1£25,995783,4231
Newport1£24,995857,760-
Newry and Mourne7£26,154665,3765
Norfolk6£28,826649,0916
North Ayrshire1£32,998554,402-
North Down1£15,9951060,3301
North Lanarkshire1£17,7951055,000-
North Yorkshire9£36,109533,6398
Northamptonshire4£27,411639,9567
Northumberland2£24,990742,9001
Nottinghamshire10£23,995753,71516
Oxfordshire4£28,900644,2434
Perth and Kinross3£29,964649,2502
Redbridge - Greater London1£11,9951090,000-
Shropshire7£26,613753,95010
Somerset5£16,811971,0233
South Ayrshire2£25,995749,603-
South Lanarkshire3£36,495517,6464
South Yorkshire17£29,738648,98318
Staffordshire15£31,774639,23618
Stirling2£26,645643,8045
Strabane1£36,590333,749-
Suffolk5£27,768750,1403
Surrey10£28,033642,1598
Tyne and Wear13£22,324764,31326
Warwickshire4£37,375431,7663
West Dunbartonshire1£24,998747,574-
West Lothian1£27,995756,000-
West Midlands20£27,085657,19541
West Sussex3£38,687321,0334
West Yorkshire23£27,309649,58825
Wiltshire7£31,007541,94010
Worcestershire1£48,75003,4885
Add postcode for better results.