Above market
BMW 3 Series
2017 320i Xdrive Sport Auto
PetrolAutomatic78,000 mi2017
Band F · £225/yr
£299/mo
£12,990
cash
Protheroes·4.4 (73)· Market Harborough
BMW 3 Series representative finance example
A genuine Hire Purchase quote for a 2017 BMW 3 Series currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £329
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £14,598.00
- Cash deposit
- £0.00
- Total amount of credit
- £14,598.00
- Total amount payable
- £19,769.00
- Representative APR
- 13.4%
- Total charge for credit
- £5,170.00
- Fixed rate of interest pa
- 7.08%
- Option to purchase fee
- £1.00
The legal bit
AB Dealers Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 945576).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How BMW 3 Series finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the 3 Series, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the 3 Series outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a BMW 3 Series
Check your eligibility for BMW 3 Series finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityBMW 3 Series in stock now — from £7,480
Good price
BMW 3 Series
2017 320d Edition+ Auto
DieselAutomatic23,817 mi2017
Band A · £20/yr
£329/mo
£14,598
cash
AB Dealers·4.6 (196)· Feltham
Fair price
BMW 3 Series
2019 320d Xdrive M Sport Auto
DieselAutomatic103,156 mi2019
£200/yr
£373/mo
£16,195
cash
Oaktree Motor Company·4.7 (193)· Cwmbran
Frequently asked questions
- How much is a BMW 3 Series on finance per month?
- Finance on a used BMW 3 Series starts from around £198 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked BMW 3 Series deal with the full APR and totals.
- Can I get a BMW 3 Series on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used BMW 3 Series listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a BMW 3 Series — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the 3 Series outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get BMW 3 Series finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a BMW 3 Series?
- There's no fixed minimum — many BMW 3 Series agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used BMW 3 Series per month on finance?
- We currently do not have a representative finance example for the BMW 3 Series. The cheapest cash price for a used BMW 3 Series is £7,495. Finance is subject to status.
- What deposit and APR do I need for a used BMW 3 Series?
- We currently do not have a representative finance example for the BMW 3 Series to provide these figures. The personal rate depends on your individual credit history and affordability.
- What is the difference between HP and PCP finance for a used BMW 3 Series?
- With Hire Purchase (HP), you typically own the BMW 3 Series outright after all payments are made. Personal Contract Purchase (PCP) often has lower monthly payments, but you'll have a final balloon payment or can return the car at the end of the term, rather than owning it automatically.
- Can I get finance on a used BMW 3 Series with the price range shown?
- Yes, finance options are typically available for used BMW 3 Series models within the price range of £7,495 to £16,495. Finance is subject to status and approval.