Get a Carsnitch Report for Free Owner, price, MOT & dealer.

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
All509£28,386649,472729
Aberdeen City1£18,495965,0005
Ballymena1£12,9951187,862-
Ballymoney2£18,993880,0962
Bedfordshire15£25,709765,03413
Belfast8£31,984553,0528
Berkshire9£26,161761,60517
Brent - Greater London2£17,8731192,0003
Bristol6£24,668864,19412
Bromley - Greater London8£34,267430,2026
Buckinghamshire3£50,097214,5628
Cambridgeshire17£20,056873,45820
Carmarthenshire1£26,995635,620-
Ceredigion1£27,450653,945-
Cheshire11£33,378561,87325
City of Edinburgh7£28,883641,2749
City of London - Greater London2£35,969418,8838
Coleraine2£23,648754,0711
Cookstown1£23,250769,6392
Cornwall2£30,175549,9922
County Durham8£25,806772,27018
Croydon - Greater London2£54,72225,6274
Cumbria3£26,568739,8594
Derbyshire9£24,713761,88222
Derry1-211,000-
Devon10£27,325759,2311
Dundee City2£21,895855,321-
Dungannon2£22,993750,5454
East Sussex2£13,9731273,7262
Enfield - Greater London2£46,15214,8715
Essex22£28,194657,27136
Fermanagh1£13,995998,296-
Fife3£28,713630,1674
Flintshire1£15,995865,0002
Glasgow City7£35,045539,80115
Gloucestershire3£36,531530,9272
Greater Manchester39£28,458648,51351
Greenwich - Greater London1£39,31535,356-
Hampshire11£28,701652,99317
Havering - Greater London8£30,566645,11817
Herefordshire1£23,950789,3721
Hertfordshire17£28,166651,22227
Highland2£36,494532,6221
Hillingdon - Greater London5£28,403750,6566
Inverclyde1£13,9981165,981-
Kent6£38,088645,6039
Kingston upon Thames - Greater London4£39,096422,0803
Lancashire24£33,449543,13534
Leicestershire10£35,159543,17819
Lincolnshire9£26,331852,80312
Lisburn1£22,990680,9343
Magherafelt8£26,767657,7161
Merseyside6£31,162646,70412
Newham - Greater London1£25,995783,4231
Newport1£24,995857,760-
Newry and Mourne4£25,545760,9696
Norfolk5£29,073651,12110
North Down1£15,9951060,3301
North Yorkshire10£35,553537,6379
Northamptonshire3£22,765845,9359
Northumberland2£24,990742,9002
Nottinghamshire9£23,407852,80619
Oxfordshire3£27,917753,3683
Perth and Kinross2£39,449425,3753
Shropshire6£32,073641,5809
Somerset3£18,277869,0412
South Ayrshire2£25,995749,603-
South Lanarkshire4£37,320518,5243
South Yorkshire14£32,849545,03718
Staffordshire11£35,478535,60420
Stirling3£33,362537,6075
Strabane1£36,590333,736-
Suffolk5£28,077750,1474
Surrey10£30,010636,6666
Tyne and Wear9£20,991869,79427
Warwickshire4£38,437431,7664
West Dunbartonshire1£24,998747,574-
West Lothian1£27,995756,0001
West Midlands28£28,040656,17241
West Sussex5£30,962633,4675
West Yorkshire23£28,488646,67331
Wiltshire5£30,597549,69612
Worcestershire3£46,650214,2585
Add postcode for better results.