What deposit is needed to get a BMW 2 Series under £400 per month?

Based on a representative example with 13% APR over 60 months HP, a £0 deposit could secure a monthly payment below this cap. A larger deposit than £0 typically lowers the monthly payments further. All finance is subject to status.

Does my credit score affect the monthly payment?

Yes, it does. The quoted rates are representative examples; the actual personal APR offered will depend on your credit history and the lender's affordability checks.

Which is better for this budget, HP or PCP?

HP means you own the car outright after the final payment, while PCP involves optional final payment to own it, or returning it. Motoring Today's comprehensive PCP vs HP finance guide covers these options in full detail.

BMW 2 Series under £400 per month

In stock

Live BMW 2 Series listings

From / month

£196/mo

Cheapest representative quote

Monthly budget

£400

Under £400 a month

Other monthly budgets:Under £150 Under £200 Under £250 Under £300 Under £400 Under £500

Above market

BMW 2 Series

2017 218i Sport

PetrolManual60,000 mi2017

ULEZ ✓£200/yr

£196/mo

£8,495

cash

Protheroes·4.4 (73)· Market Harborough

Good price

BMW 2 Series

2017 218i Sport Auto

PetrolAutomatic75,343 mi2017

Band D · £170/yr

£205/mo

£9,099

cash

AB Dealers·4.6 (196)· Feltham

Fair price

BMW 2 Series

2015 218i M Sport

PetrolManual80,431 mi2015

Band D · £170/yr

£206/mo

£7,790

cash

Ezy Access·4.5 (207)· Ruislip

Fair price

BMW 2 Series

2018 218i M Sport Auto

PetrolAutomatic89,638 mi2018

£200/yr

£226/mo

£9,999

cash

AB Dealers·4.6 (196)· Feltham

Fair price

BMW 2 Series

2016 218i M Sport

PetrolAutomatic63,626 mi2016

Band D · £170/yr

£244/mo

£10,490

cash

Ezy Access·4.5 (207)· Ruislip

BMW 2 Series

2018 218i Sport Auto

PetrolAutomatic57,182 mi2018

£200/yr

£276/mo

£12,212

cash

AB Dealers·4.6 (196)· Feltham

Good price

BMW 2 Series

2019 218i Sport Auto

PetrolAutomatic55,039 mi2019

£200/yr

£279/mo

£12,495

cash

Oaktree Motor Company·4.7 (193)· Torfaen

Fair price

BMW 2 Series

2018 230i M Sport

PetrolAutomatic61,690 mi2018

£200/yr

£313/mo

£13,995

cash

Albar Autos·4.3 (20)· Mountsorrel

Above market

BMW 2 Series

2023 218i M Sport Auto

PetrolAutomatic66,000 mi2023

ULEZ ✓£200/yr

£413/mo

£18,494

cash

Protheroes·4.4 (73)· Market Harborough

Above market

BMW 2 Series

2023 218i M Sport Auto

PetrolAutomatic66,000 mi2023

ULEZ ✓£200/yr

£413/mo

£18,490

cash

Protheroes·4.4 (73)· Market Harborough

Fair price

BMW 2 Series

2020 218i M Sport Auto

PetrolAutomatic52,981 mi2020

£200/yr

£384/mo

£17,194

cash

CG Motorland·4.5 (202)· Leicester

Fair price

BMW 2 Series

2021 218i M Sport

PetrolManual29,404 mi2021

£200/yrHome delivery

£386/mo

£17,999

cash

Anycolour Car·4.9 (148)· Barnsley

Fair price

BMW 2 Series

2020 220d M Sport Auto

DieselAutomatic51,043 mi2020

£200/yr

£394/mo

£18,395

cash

Albar Autos·4.3 (20)· Mountsorrel

Frequently asked questions

What deposit is needed to get a BMW 2 Series under £400 per month?: Based on a representative example with 13% APR over 60 months HP, a £0 deposit could secure a monthly payment below this cap. A larger deposit than £0 typically lowers the monthly payments further. All finance is subject to status.
Does my credit score affect the monthly payment?: Yes, it does. The quoted rates are representative examples; the actual personal APR offered will depend on your credit history and the lender's affordability checks.
Which is better for this budget, HP or PCP?: HP means you own the car outright after the final payment, while PCP involves optional final payment to own it, or returning it. Motoring Today's comprehensive PCP vs HP finance guide covers these options in full detail.