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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
All544£27,546652,443859
Aberdeenshire5£28,139646,8703
Angus3£31,367431,2783
Ayrshire1£30,998554,4022
Bedfordshire13£21,975769,75416
Berkshire10£33,010437,66616
Blaenau Gwent2£20,495963,081-
Bridgend1£39,495218,508-
Bristol7£31,308547,7038
Buckinghamshire8£26,588763,3778
Cambridgeshire11£22,637775,84821
Cardiff7£25,904761,60213
Ceredigion2£28,745645,722-
Cheshire9£29,008559,69023
Conwy2£27,942566,0003
Cornwall1£17,499878,0002
County Antrim6£41,328220,80514
County Armagh5£31,794538,33910
County Down2£21,173877,9195
County Durham4£21,559883,42611
County Fermanagh1£36,290-33,4541
County Londonderry11£24,691659,3207
County Tyrone3£21,825683,0008
Cumbria2£21,972937,2003
Derbyshire10£25,705758,86720
Devon4£29,797747,24913
Dorset1£16,4951058,5252
Dunbartonshire1£22,998747,574-
East Riding of Yorkshire4£22,998756,0133
East Sussex10£19,8921052,7594
Essex19£27,871652,10240
Falkirk1£28,120747,401-
Fife5£33,797427,6594
Gloucestershire3£33,958437,2246
Greater London40£28,349646,81759
Greater Manchester41£28,073651,69057
Hampshire15£27,736653,87019
Hertfordshire24£24,272760,14241
Highland3£33,230446,1292
Kent11£30,030545,91211
Lanarkshire9£29,297652,50520
Lancashire22£34,543441,51528
Leicestershire10£31,431549,96922
Lincolnshire10£28,524648,72816
Merseyside9£33,459537,0727
Midlothian8£35,357429,6809
Moray1£28,995534,825-
Neath Port Talbot1£34,495632,500-
Newport4£27,435772,32612
Norfolk9£24,758762,4588
North Yorkshire8£32,708550,13717
Northamptonshire3£22,147781,6479
Nottinghamshire15£27,448652,89823
Perth & Kinross3£24,294756,7652
Renfrewshire2£31,498640,2251
Shropshire5£24,250763,68513
Somerset5£21,499864,8134
South Yorkshire15£29,577551,13121
Staffordshire6£22,613856,86227
Stirling4£36,220424,2284
Suffolk7£34,022536,5038
Surrey11£27,789638,80215
Swansea1£26,500659,0679
Torfaen1£14,995971,666-
Tyne and Wear9£19,095874,00718
Warwickshire1£21,500766,1756
West Lothian2£20,873770,7404
West Midlands14£26,635662,15941
West Sussex2£18,173974,6935
West Yorkshire26£27,833647,02234
Wiltshire7£32,107438,16010
Worcestershire6£36,624437,5868
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