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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.

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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
All549£27,580652,967868
Aberdeenshire6£28,133648,2702
Angus3£31,367431,2784
Ayrshire1£29,998554,4022
Bedfordshire14£21,241770,55812
Berkshire8£35,758334,04116
Blaenau Gwent2£20,495963,081-
Bridgend1£39,495218,508-
Bristol7£29,764558,1328
Buckinghamshire7£21,329873,31410
Cambridgeshire12£22,799774,32720
Cardiff8£23,440868,37813
Ceredigion2£27,495645,722-
Cheshire12£29,969561,49523
Conwy3£26,596672,0003
Cornwall1£17,499878,0002
County Antrim8£33,420439,34013
County Armagh5£31,794538,33910
County Down3£17,832887,2794
County Durham5£22,214781,10211
County Fermanagh1£36,290-33,4541
County Londonderry12£23,396763,5207
County Tyrone4£21,825673,2867
Cumbria1£27,218725,5004
Derbyshire10£23,705765,12220
Devon4£29,797747,24913
Dorset2£30,998735,8232
Dunbartonshire1£22,998747,574-
East Riding of Yorkshire3£23,580758,0355
East Sussex10£19,8771052,7593
Essex16£28,662548,54840
Falkirk1£28,120747,401-
Fife5£33,797427,6184
Gloucestershire4£35,823429,1286
Greater London40£28,771547,07461
Greater Manchester41£27,820650,53656
Hampshire16£27,647654,09818
Hertfordshire23£23,329761,25345
Highland3£32,797446,1291
Kent9£31,143546,28713
Lanarkshire11£27,815659,87617
Lancashire28£31,179549,33027
Leicestershire12£28,701661,83622
Lincolnshire10£28,183648,72814
Merseyside6£32,577539,54910
Midlothian9£35,484428,6928
Moray1£28,995534,825-
Neath Port Talbot1£34,495632,500-
Newport4£27,435772,32611
Norfolk6£19,888976,82211
North Yorkshire7£35,780444,44018
Northamptonshire3£22,147781,6479
Northumberland1£16,999967,0002
Nottinghamshire15£26,331654,22024
Oxfordshire1£39,350441,0007
Perth & Kinross2£30,444636,6473
Renfrewshire2£31,498640,2251
Shropshire5£25,714671,51613
Somerset6£22,393860,8093
South Yorkshire13£31,546548,00524
Staffordshire6£22,112856,86225
Stirling4£35,945424,2283
Suffolk6£32,544537,3709
Surrey10£26,465640,86415
Swansea1£26,500659,0678
Torfaen1£14,995971,666-
Tyne and Wear10£19,359872,70717
Warwickshire3£22,667763,5486
West Lothian1£19,750784,4805
West Midlands16£29,778656,73236
West Sussex1£22,250765,3866
West Yorkshire21£28,010645,11538
Wiltshire7£29,616547,37910
Worcestershire5£38,169333,2397
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