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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
All514£28,828649,937698
Aberdeen City1£18,495965,0005
Ballymena1£12,9951187,862-
Ballymoney2£18,993880,0962
Bedfordshire16£25,073765,80113
Belfast10£33,986443,3055
Berkshire9£27,241762,18414
Brent - Greater London2£17,8731192,0003
Bristol6£21,134862,59811
Bromley - Greater London8£33,129530,8016
Buckinghamshire2£48,998213,9058
Cambridgeshire17£21,531871,40918
Cardiff4£32,250549,6105
Carmarthenshire1£27,995635,620-
Ceredigion1£27,450653,945-
Cheshire9£37,151471,17224
City of Edinburgh7£30,095640,3328
City of London - Greater London3£30,941543,81313
Coleraine2£23,648754,0711
Cookstown1£23,250769,6392
Cornwall2£30,925549,9922
County Durham6£23,660779,91516
Croydon - Greater London1£51,09438,7535
Cumbria3£26,580739,7763
Derbyshire9£27,762651,64419
Derry1-211,000-
Devon8£27,348761,2441
Dundee City2£22,249855,321-
Dungannon2£22,993750,5454
East Sussex11£15,3051155,5761
Enfield - Greater London4£42,94827,5684
Essex23£27,558658,39733
Fermanagh1£13,995998,296-
Fife4£38,739525,7843
Flintshire1£15,995865,0002
Glasgow City7£32,733543,07715
Gloucestershire4£30,772646,2461
Greater Manchester36£26,834754,35147
Greenwich - Greater London1£39,72735,356-
Hampshire12£28,030657,83117
Havering - Greater London6£35,571540,84914
Hertfordshire16£31,153646,69524
Highland2£37,494532,6221
Hillingdon - Greater London5£30,850645,6565
Inverclyde1£14,4981165,981-
Kent7£38,329642,2017
Kingston upon Thames - Greater London2£38,671423,8313
Lancashire22£33,654540,76130
Leicestershire12£37,870440,62415
Lincolnshire8£29,515747,17612
Lisburn1£22,990680,9343
Magherafelt8£26,767657,7161
Merseyside4£27,821753,66911
Monmouthshire1£25,9954123,000-
Newham - Greater London1£25,995783,4231
Newport1£24,995857,760-
Newry and Mourne4£28,620651,2985
Norfolk5£27,793759,6559
North Down1£15,9951060,3301
North Yorkshire9£32,244539,7589
Northamptonshire3£26,463667,6158
Northumberland2£24,990742,9002
Nottinghamshire13£25,732753,45119
Oxfordshire2£35,200440,7833
Perth and Kinross1£32,499536,5843
Shropshire6£32,073641,5808
Somerset3£18,130869,0412
South Ayrshire1£29,995654,000-
South Lanarkshire4£37,320518,5243
South Yorkshire13£34,307541,04517
Staffordshire14£29,893745,37327
Stirling3£33,362537,6075
Suffolk5£28,097750,1474
Surrey10£31,494531,5499
Swansea2£43,500317,6716
Tyne and Wear11£20,138869,32226
Warwickshire4£38,625431,7664
West Dunbartonshire1£24,998747,574-
West Lothian1£27,995756,0001
West Midlands26£29,453651,00439
West Sussex4£28,453737,0426
West Yorkshire21£29,564546,25329
Wiltshire4£39,684329,95911
Worcestershire4£46,475215,1934
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