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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
All497£27,980650,796703
Aberdeen City2£28,998638,6723
Ballymena1£12,9951187,862-
Ballymoney2£18,993880,096-
Bedfordshire8£26,366754,73012
Belfast6£33,130447,18510
Berkshire10£32,909549,3189
Brent - Greater London3£19,565984,6672
Bristol5£28,094643,53613
Bromley - Greater London4£31,107429,8115
Buckinghamshire8£32,791639,2515
Cambridgeshire11£19,435873,73820
Carmarthenshire1£25,995635,6201
Carrickfergus1£23,950858,147-
Ceredigion1£26,495653,945-
Cheshire10£31,026665,90726
City of Edinburgh6£35,558427,46210
City of London - Greater London1£19,000696,0001
Coleraine1£20,995872,0001
Cookstown1£12,995-90,0912
Cornwall2£29,175549,9922
County Durham4£22,120882,35318
Craigavon3£35,980333,324-
Croydon - Greater London1£56,75016,1124
Cumbria3£26,160740,2591
Derbyshire12£24,412755,93318
Derry1-211,000-
Devon6£23,362864,4915
Dundee City5£28,998640,8991
East Sussex3£32,247649,4953
Enfield - Greater London2£34,048421,2824
Essex29£25,184664,75634
Fermanagh1£13,995998,296-
Fife3£28,549630,1672
Flintshire1£15,995865,0002
Glasgow City6£35,714444,07114
Gloucestershire4£32,347544,3942
Greater Manchester26£32,119644,13062
Hampshire15£28,170653,28611
Havering - Greater London8£28,160748,87715
Hertfordshire23£26,339755,97328
Highland2£25,844767,4002
Hillingdon - Greater London6£25,697751,0548
Hounslow - Greater London1£35,890325,0753
Kent4£32,863656,8129
Kingston upon Thames - Greater London1£39,700317,0142
Lancashire24£34,695545,69835
Leicestershire9£31,518551,51924
Lincolnshire8£32,8256119,96117
Magherafelt6£27,889658,2852
Merseyside9£33,415540,60611
Newport1£24,995857,760-
Newry and Mourne7£26,626664,3765
Norfolk6£25,002752,0636
North Ayrshire1£32,998554,402-
North Down1£15,9951060,3301
North Lanarkshire2£23,147769,343-
North Yorkshire9£37,234434,6229
Northamptonshire4£26,861639,9564
Northumberland2£24,990742,9001
Nottinghamshire14£26,779755,2509
Oxfordshire3£29,950534,2954
Perth and Kinross4£29,620646,1141
Shropshire7£26,917652,43511
Somerset4£18,565965,3034
South Lanarkshire3£35,662517,6463
South Yorkshire13£30,998544,08619
Staffordshire14£26,618744,55220
Stirling3£39,328325,4036
Suffolk6£29,855651,8185
Surrey10£26,428746,56211
Tyne and Wear15£19,296869,40125
Warwickshire1£35,500321,9394
West Dunbartonshire1£24,498747,574-
West Lothian1£27,995756,000-
West Midlands19£29,471652,19144
West Sussex2£36,662421,9674
West Yorkshire25£28,445647,22532
Wiltshire7£38,301325,09410
Worcestershire2£31,125446,7446
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