Motoring Today

BMW 1 Series under £500 per month

8 used BMW 1 Series listings from £193/mo under £500 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 currently 8 BMW 1 Series models available for under £500 per month, updated on 16 August 2026. This monthly payment is based on a representative example of 0 deposit, a 60-month term, and a 13% APR on a Hire Purchase (HP) agreement. Finance is subject to status. This budget range typically includes models from £8,250 to £16,999 cash price, with the cheapest 1 Series currently starting at £193 per month. The BMW 1 Series is a popular choice for its premium feel, efficient engines, and engaging driving dynamics, offering a blend of practicality and sportiness within the compact hatchback segment.

In stock
8

Live BMW 1 Series listings

From / month
£193/mo

Cheapest representative quote

Monthly budget
£500

Under £500 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
Above market

BMW 1 Series

2019 118i Sport

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

AB Dealers·4.6 (196)· Feltham

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
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

BMW 1 Series
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

Frequently asked questions

What deposit is needed to get a BMW 1 Series for under £500 a month?
Based on our representative example with 13% APR over 60 months HP, a £0 deposit is used to calculate the monthly payments. A larger deposit will typically lower your monthly payments for the 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 rates are an example. The actual personal APR offered for your BMW 1 Series will depend on your individual credit history and an affordability assessment.
Should I choose HP or PCP finance for a BMW 1 Series within this budget?
HP involves repaying the full value of the car and owning it outright after the final payment, while PCP typically offers lower monthly payments but requires a balloon payment or return of the car at the end of the term. Motoring Today's comprehensive PCP vs HP finance guide covers this in full.