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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
All565£27,550652,113848
Aberdeenshire5£28,139646,8703
Angus3£33,083431,2783
Ayrshire1£30,998554,4022
Bedfordshire14£21,066770,31815
Berkshire11£33,282539,17716
Blaenau Gwent2£20,495963,081-
Bridgend1£39,495218,508-
Bristol7£31,378547,7039
Buckinghamshire9£25,733764,2967
Cambridgeshire11£20,370882,10621
Cardiff7£25,441760,18513
Ceredigion2£28,745645,722-
Cheshire10£29,397559,69023
Conwy2£27,972566,0003
Cornwall1£17,499878,0002
County Antrim6£38,828227,35815
County Armagh5£31,794538,23510
County Down3£18,780877,6134
County Durham4£27,310673,29712
County Fermanagh1£36,290-33,4541
County Londonderry11£24,691659,3207
County Tyrone3£21,825683,0008
Cumbria1£27,746724,7003
Derbyshire10£25,735758,86721
Devon4£29,797747,24913
Dorset1£16,4951058,5252
Dunbartonshire1£22,998747,574-
East Riding of Yorkshire5£21,294861,2352
East Sussex12£20,642951,2622
Essex21£26,800655,94440
Falkirk1£28,560747,401-
Fife5£37,298419,6003
Gloucestershire4£34,206530,9876
Greater London38£27,506648,94459
Greater Manchester43£27,587652,75156
Hampshire17£29,339551,53317
Hertfordshire25£24,863758,43243
Highland3£33,230446,1292
Kent10£29,925547,60612
Lanarkshire9£29,453648,78520
Lancashire23£34,616442,99028
Leicestershire11£33,079546,36424
Lincolnshire8£30,328544,51917
Merseyside8£32,641537,0728
Midlothian8£35,357429,6809
Moray1£28,995534,825-
Neath Port Talbot1£34,495632,500-
Newport4£27,435772,16012
Norfolk8£23,740866,0158
North Yorkshire9£35,546444,50915
Northamptonshire4£24,460770,9208
Nottinghamshire15£26,586655,63422
Perth & Kinross3£24,294756,7652
Renfrewshire1£22,998842,8641
Shropshire4£24,064761,48213
Somerset5£21,614864,8134
South Yorkshire16£28,609652,56020
Staffordshire7£21,589856,43927
Stirling4£36,470424,2284
Suffolk7£34,180536,5038
Surrey11£27,899638,80215
Swansea1£26,500659,06710
Torfaen1£14,995971,666-
Tyne and Wear11£17,923976,49116
Warwickshire2£22,250768,0885
West Lothian2£20,873770,7405
West Midlands16£26,805660,35439
West Sussex2£18,273974,6935
West Yorkshire28£28,677645,10231
Wiltshire8£30,747544,42510
Worcestershire7£33,892540,6117
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