Motoring Today

BMW 2 Series under £400 per month

6 used BMW 2 Series listings from £154/mo under £400 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.

This page currently features 10 BMW 2 Series models available for under £400 per month, as updated on 15 September 2026. These finance examples typically assume a £0 deposit over a 60-month term at 13% APR, usually for a Hire Purchase (HP) agreement. Finance is subject to status. With monthly payments starting from just £154, this budget typically provides access to a range of used BMW 2 Series, with cash prices for qualifying cars generally falling between £6,850 and £18,490. This popular model is known for its blend of driving dynamics and premium feel, often featuring efficient engines and a comfortable interior across its various body styles, including Coupé, Convertible, and Active Tourer variants.

In stock
6

Live BMW 2 Series listings

From / month
£154/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

BMW 2 Series
Great price

BMW 2 Series

2015 218d Luxury Auto

DieselAutomatic64,626 mi2015
Band B · £20/yr
£154/mo
£6,650
cash

SWS Car Sales Ltd·3.7 (124)· Cobham

BMW 2 Series
Fair price

BMW 2 Series

2018 218i Sport Auto

PetrolAutomatic57,180 mi2018
£200/yr
£274/mo
£12,150
cash

AB Dealers·4.6 (235)· Feltham

BMW 2 Series
Above market

BMW 2 Series

2017 220i M Sport Auto

PetrolAutomatic69,297 mi2017
£200/yr
£307/mo
£13,449
cash

CG Motorland·4.5 (210)· Leicester

BMW 2 Series
Above market

BMW 2 Series

2023 218i M Sport Auto

PetrolAutomatic67,500 mi2023
£200/yr
£352/mo
£18,490
cash

Protheroes·4.4 (74)· Market Harborough

BMW 2 Series
Fair price

BMW 2 Series

2020 218i M Sport Auto

PetrolAutomatic52,981 mi2020
£200/yr
£384/mo
£17,194
cash

CG Motorland·4.5 (210)· Leicester

BMW 2 Series
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)· Loughborough

Frequently asked questions

What deposit is needed to get a BMW 2 Series under £400 per month?
Our representative HP finance example for a BMW 2 Series has 13% APR, a £0 deposit, and 60 monthly payments. A larger deposit will typically reduce your monthly payments, and finance is subject to status.
Does my credit score affect the monthly payment?
Yes, it can. The quoted finance rates are representative examples; the personal APR offered to you will depend on your individual credit history and affordability checks.
Should I choose HP or PCP for this budget?
Both Hire Purchase (HP) and Personal Contract Purchase (PCP) can get you a BMW 2 Series within this budget. HP means you own the car at the end of the term, while PCP typically has lower monthly payments but requires a final balloon payment to own the car. Our comprehensive PCP vs HP finance guide covers this in full.