Motoring Today

BMW 1 Series under £500 per month

4 used BMW 1 Series listings from £142/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 8 BMW 1 Series models currently available for under £500 per month on Motoring Today, with listings updated as of 15 September 2026. This monthly budget typically secures models with a cash price ranging from £7,980 to £16,999, with the most affordable option starting from £186 per month. For transparency, the finance examples displayed on this page are generally representative and based on a 0% deposit, a 60-month term, and a 13% APR, typically using a Hire Purchase (HP) product. Finance is, of course, subject to status, and each car's specific dealer provides its own representative example. The 1 Series is a popular choice among UK drivers for its premium feel and engaging driving dynamics, offering a blend of practicality and sporty performance within this price bracket.

In stock
4

Live BMW 1 Series listings

From / month
£142/mo

Cheapest representative quote

Monthly budget
£500

Under £500 a month

BMW 1 Series
Great price

BMW 1 Series

2016 116d Sport Auto

DieselAutomatic101,000 mi2016
Band B · £20/yr
£142/mo
£5,995
cash

Hanworth Autos Ltd·4.0 (28)· Feltham

BMW 1 Series
Fair price

BMW 1 Series

2017 116d Sport Auto

DieselAutomatic43,533 mi2017
£200/yr
£226/mo
£9,999
cash

AB Dealers·4.6 (235)· Feltham

BMW 1 Series
Good price

BMW 1 Series

2019 118i M Sport Shadow Edition

PetrolManual70,912 mi2019
£200/yr
£241/mo
£10,480
cash

Cobalt Motors·4.5 (153)· Gosforth

BMW 1 Series
Above market

BMW 1 Series

2019 118i Sport

PetrolManual85,446 mi2019
£200/yr
£241/mo
£10,999
cash

AB Dealers·4.6 (235)· Feltham

Frequently asked questions

What deposit is needed to get a BMW 1 Series under £500 a month?
Based on a representative example with a 0% deposit over 60 months at 13% APR, your monthly payments for a BMW 1 Series may exceed £500. A larger deposit will typically lower your monthly payments, and finance is subject to status.
Does my credit score affect the monthly payment for a BMW 1 Series?
Yes, representative finance rates are illustrative. The actual APR offered and therefore your personal monthly payment for a BMW 1 Series will depend on your individual credit history and affordability checks.
Which is better for my budget, HP or PCP, for a BMW 1 Series?
HP involves repaying the full value of the car and owning it at the end, while PCP typically offers lower monthly payments by deferring a significant balloon payment. Motoring Today's comprehensive PCP vs HP finance guide details the full differences.