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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
All552£27,670651,508857
Aberdeenshire4£29,299646,2242
Angus3£33,417431,2783
Ayrshire1£30,998554,4022
Bedfordshire11£18,245874,82015
Berkshire12£34,916535,49912
Blaenau Gwent2£20,995963,081-
Bristol6£35,726432,7099
Buckinghamshire9£26,022760,7407
Cambridgeshire15£20,699876,16118
Cardiff9£27,565753,93912
Carmarthenshire1£24,995635,6201
Ceredigion2£29,495645,722-
Cheshire10£29,527559,69026
Conwy2£28,647566,0003
Cornwall1£17,499878,0002
County Antrim7£37,631331,75715
County Armagh6£32,494536,90810
County Down4£17,909973,2924
County Durham3£30,480660,59916
County Fermanagh1£36,290-33,4541
County Londonderry8£25,203656,9308
County Tyrone5£22,984675,7167
Cumbria1£27,982724,4003
Derbyshire11£27,156651,36818
Devon6£24,697865,00011
Dorset2£15,7471160,2631
Dunbartonshire1£22,998747,574-
East Riding of Yorkshire1£22,495767,5003
East Sussex12£20,825951,2623
Essex22£25,284658,54842
Falkirk1£28,560747,401-
Fife5£32,622531,5443
Gloucestershire5£32,324528,6064
Greater London41£28,696648,87058
Greater Manchester38£27,035653,18558
Hampshire15£29,803550,30619
Hertfordshire21£22,994761,99642
Highland3£33,230446,1293
Kent10£30,153548,64313
Lanarkshire8£31,972541,00821
Lancashire23£35,580438,40829
Leicestershire12£32,308553,00123
Lincolnshire8£30,796544,43617
Merseyside8£32,728537,0728
Midlothian9£35,129432,68311
Moray1£28,995534,825-
Neath Port Talbot1£34,495632,500-
Newport2£32,995566,70012
Norfolk6£23,603965,4488
North Yorkshire8£35,359443,69014
Northamptonshire4£24,560770,9209
Northumberland1£26,480645,3382
Nottinghamshire14£27,998652,93225
Oxfordshire1£31,450441,8235
Perth & Kinross3£24,294756,7652
Renfrewshire1£22,998842,8641
Shropshire5£27,989653,69512
Somerset4£22,899864,4404
South Yorkshire15£29,471549,80719
Staffordshire8£24,803749,88430
Stirling4£36,820424,2284
Suffolk6£32,211539,3038
Surrey11£28,051638,80216
Torfaen1£14,995971,666-
Tyne and Wear12£17,579976,74818
Warwickshire1£22,999770,0005
West Lothian1£19,750784,4805
West Midlands15£26,763658,04338
West Sussex2£18,373974,6935
West Yorkshire23£28,452642,64535
Wiltshire9£30,894543,73110
Worcestershire8£34,780540,8637
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