Motoring Today

BMW 1 Series under £250 per month

6 used BMW 1 Series listings from £193/mo under £250 a month, with real broker quotes. Tap any "£X /mo" to see that dealer's full representative example. Finance is subject to status; terms and conditions apply.

There are 6 BMW 1 Series models available for under £250 per month, as of 16 August 2026. This representative finance example assumes a 60-month Hire Purchase (HP) agreement with no deposit required and a representative APR of 13%. This budget typically secures a 1 Series with monthly payments starting from £193. The cash price equivalent for these vehicles ranges from £8,250 to £10,999. The BMW 1 Series is a popular choice for those seeking a premium compact hatchback. Known for its engaging driving dynamics and quality interior, it offers a more sporting alternative to many rivals. With this monthly budget, buyers can expect to find earlier generations of the 1 Series, often well-specified and offering good value. As with all vehicles on Motoring Today, each listing includes its ULEZ status and full MOT history for transparency. Finance is subject to status.

In stock
6

Live BMW 1 Series listings

From / month
£193/mo

Cheapest representative quote

Monthly budget
£250

Under £250 a month

BMW 1 Series
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 (143)· West Allotment

BMW 1 Series
Fair price

BMW 1 Series

2014 120d M Sport

DieselManual47,000 mi2014
Band C · £35/yr
£205/mo
£8,500
cash

Vantage Autohouse·5.0 (17)· Newport

BMW 1 Series
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

BMW 1 Series
Above market

BMW 1 Series

2019 116d Se

DieselManual65,753 mi2019
£200/yr
£216/mo
£10,297
cash

SWS Car Sales Ltd·3.8 (120)· Cobham

BMW 1 Series
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

BMW 1 Series
Above market

BMW 1 Series

2019 118i Sport

PetrolManual85,460 mi2019
£200/yr
£241/mo
£10,999
cash

AB Dealers·4.6 (196)· Feltham

Frequently asked questions

What deposit is needed to get a BMW 1 Series under £250 per month?
Based on a representative example, a £0 deposit with a 13% APR over 60 months results in a monthly payment above £250. A larger deposit than £0 would typically be needed to achieve a monthly payment under £250 for a BMW 1 Series; finance is subject to status.
Does my credit score affect the monthly payment for a BMW 1 Series?
Yes, the quoted representative APR of 13% is an example. The personal APR you are offered and your final monthly payment depend on your individual credit history and an affordability assessment.
Which is better for this budget, HP or PCP finance for a BMW 1 Series?
HP involves paying off the full car value over the agreement, while PCP defers a significant portion of the cost to an optional final payment. For a detailed comparison on how each might fit your needs, Motoring Today's PCP vs HP finance guide covers it in full.