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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
All531£28,413650,823794
Aberdeen City1£18,495965,0005
Ballymena1£12,9951187,862-
Ballymoney2£18,993880,0962
Banbridge2£14,4739104,5002
Bedfordshire15£24,079767,70715
Belfast11£33,260447,2775
Berkshire8£26,397763,21917
Brent - Greater London4£16,012996,7501
Bristol6£21,134862,59811
Bromley - Greater London6£33,425430,0317
Buckinghamshire2£48,998213,9058
Cambridgeshire17£21,418871,70823
Cardiff5£31,598548,5807
Carmarthenshire1£27,995635,620-
Ceredigion1£28,750653,945-
Cheshire11£37,097457,73529
City of Edinburgh6£32,653632,7549
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
Derbyshire8£28,793754,05421
Derry1-211,000-
Devon7£28,812758,8502
Dundee City2£22,249855,321-
Dungannon2£22,993750,5454
Ealing - Greater London1£19,990640,9751
East Riding of Yorkshire2£26,147662,6343
East Sussex10£15,3871155,7902
Enfield - Greater London4£42,94827,5684
Essex21£28,240654,95037
Fermanagh1£13,995998,296-
Fife4£38,739525,7843
Flintshire1£15,995865,0002
Glasgow City7£34,350539,19214
Gloucestershire4£30,772646,2461
Greater Manchester37£26,130757,96549
Greenwich - Greater London1£39,99335,356-
Hampshire14£29,973548,99915
Havering - Greater London9£30,056656,81318
Hertfordshire16£30,419649,26626
Highland2£37,494532,6224
Hillingdon - Greater London5£30,850645,6566
Inverclyde1£14,4981165,981-
Kent8£35,162749,4486
Kingston upon Thames - Greater London3£30,597547,5542
Lancashire23£32,935543,90331
Leicestershire12£37,870440,62420
Lincolnshire9£29,506747,81315
Lisburn1£22,990680,9343
Magherafelt7£27,491655,2462
Merseyside4£27,821753,66912
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£27,793759,65511
North Down1£15,9951060,3301
North Lanarkshire1£23,698763,825-
North Yorkshire10£31,800539,34611
Northamptonshire3£26,963667,6158
Northumberland1£27,980642,9002
Nottinghamshire14£26,044751,85624
Oxfordshire2£35,350440,7833
Perth and Kinross1£32,499536,5843
Shropshire7£32,140642,62612
Somerset2£13,5571086,9023
South Ayrshire1£29,995654,000-
South Lanarkshire4£37,695518,6985
South Yorkshire13£34,895440,79317
Staffordshire13£31,007643,17031
Stirling4£37,420430,6444
Suffolk4£28,298750,9906
Surrey9£31,840527,47111
Swansea5£30,877638,9308
Tyne and Wear11£20,129869,32226
Warwickshire4£38,750431,7665
West Dunbartonshire1£24,998747,574-
West Lothian1£27,995756,0001
West Midlands25£29,565649,07245
West Sussex2£24,993938,0276
West Yorkshire21£29,591546,25332
Wiltshire4£39,747329,95914
Worcestershire4£46,475215,1935
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