Great price
BMW 1 Series
2014 120d M Sport
DieselManual47,000 mi2014
Band C · £35/yr
£199/mo
£8,250
cash
Vantage Autohouse·5.0 (17)· Newport
BMW 1 Series representative finance example
A genuine Hire Purchase quote for a 2019 BMW 1 Series currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £241
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £10,999.00
- Cash deposit
- £0.00
- Total amount of credit
- £10,999.00
- Total amount payable
- £14,449.00
- Representative APR
- 11.9%
- Total charge for credit
- £3,440.00
- Fixed rate of interest pa
- 6.26%
- Option to purchase fee
- £10.00
The legal bit
AB Dealers Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 945576).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How BMW 1 Series finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the 1 Series, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the 1 Series outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a BMW 1 Series
Check your eligibility for BMW 1 Series finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityBMW 1 Series in stock now — from £8,250
Fair price
BMW 1 Series
2017 118i M Sport Shadow Edition
PetrolManual98,165 mi2017
£200/yr
£193/mo
£8,294
cash
Cobalt Motors·4.5 (136)· West Allotment
Fair price
BMW 1 Series
2018 118i Sport
PetrolManual70,766 mi2018
£200/yr
£207/mo
£8,995
cash
Oaktree Motor Company·4.7 (193)· Torfaen
Fair price
BMW 1 Series
2019 116d Se
DieselManual65,753 mi2019
£200/yr
£216/mo
£10,297
cash
SWS Car Sales Ltd·3.8 (119)· Cobham
Fair price
BMW 1 Series
2017 116d Sport Auto
DieselAutomatic43,529 mi2017
£200/yr
£241/mo
£10,699
cash
AB Dealers·4.6 (196)· Feltham
Above market
BMW 1 Series
2019 118i Sport
PetrolManual85,460 mi2019
£200/yr
£241/mo
£10,999
cash
AB Dealers·4.6 (196)· Feltham
Fair price
BMW 1 Series
2021 118i M Sport Auto
PetrolAutomatic75,815 mi2021
£200/yr
£339/mo
£15,190
cash
Ezy Access·4.5 (207)· Ruislip
Good price
BMW 1 Series
2020 118i M Sport Auto
PetrolAutomatic29,967 mi2020
£200/yr
£372/mo
£16,999
cash
AB Dealers·4.6 (196)· Feltham
Above market
BMW 1 Series
2019 116d Se
DieselManual65,753 mi2019
£200/yr
£216/mo
£20,000
cash
SWS Car Sales Ltd·3.8 (119)· Cobham
Fair price
BMW 1 Series
2024 128ti Auto
PetrolAutomatic12,013 mi2024
£200/yrHome delivery
£557/mo
£25,999
cash
Anycolour Car·4.9 (147)· Barnsley
Frequently asked questions
- How much is a BMW 1 Series on finance per month?
- Finance on a used BMW 1 Series starts from around £193 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked BMW 1 Series deal with the full APR and totals.
- Can I get a BMW 1 Series on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used BMW 1 Series listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a BMW 1 Series — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the 1 Series outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get BMW 1 Series finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a BMW 1 Series?
- There's no fixed minimum — many BMW 1 Series agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used BMW 1 Series per month on finance?
- There is no representative finance example available for the BMW 1 Series at the moment. Finance is subject to status.
- What deposit and APR do I need for a used BMW 1 Series?
- Without a representative finance example, specific deposit and APR figures cannot be quoted. Your personal rate will depend on your credit history and affordability.
- Can I get finance on a used BMW 1 Series with the price range shown?
- Yes, it is typically possible to get finance on a used BMW 1 Series. Even the cheapest models, starting from £7295, can often be financed, though indicative monthly payments are not currently available.