What deposit is typically needed to get a BMW 3 Series for under £500 per month?

A representative finance example uses a £0 deposit over 60 months at 13% APR. A larger deposit will typically reduce your monthly payments, and finance is subject to status and credit checks.

Does my credit score affect the monthly payment for a BMW 3 Series?

Yes, the monthly payment can be affected by your credit score. The quoted rates are representative examples, and the personal APR offered to you will depend on your individual credit history and an affordability assessment.

Which is better for a BMW 3 Series under this budget, HP or PCP?

With Hire Purchase (HP), you own the BMW 3 Series outright after all payments, while Personal Contract Purchase (PCP) offers lower monthly payments but requires a final balloon payment to own the car. Our comprehensive PCP vs HP finance guide details the full differences.

BMW 3 Series under £500 per month

In stock

Live BMW 3 Series listings

From / month

£169/mo

Cheapest representative quote

Monthly budget

£500

Under £500 a month

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

Great price

BMW 3 Series

2013 320i Luxury Gt Auto

PetrolAutomatic55,394 mi2013

Band F · £225/yr

£169/mo

£7,495

cash

SWS Car Sales Ltd·3.8 (120)· Cobham

Above market

BMW 3 Series

2017 318d M Sport Auto

DieselAutomatic91,938 mi2017

£200/yr

£237/mo

£10,495

cash

Maybury Car Sales·4.7 (10)· Edinburgh

Above market

BMW 3 Series

2017 320i Xdrive Sport Auto

PetrolAutomatic78,000 mi2017

ULEZ ✓Band G · £275/yr

£299/mo

£12,990

cash

Protheroes·4.4 (73)· Market Harborough

Fair price

BMW 3 Series

2017 320d Edition+ Auto

DieselAutomatic23,817 mi2017

Band A · £20/yr

£336/mo

£14,883

cash

AB Dealers·4.6 (196)· Feltham

Fair price

BMW 3 Series

2019 320d Xdrive M Sport Auto

DieselAutomatic103,156 mi2019

£200/yr

£380/mo

£16,495

cash

Oaktree Motor Company·4.7 (193)· Torfaen

Frequently asked questions

What deposit is typically needed to get a BMW 3 Series for under £500 per month?: A representative finance example uses a £0 deposit over 60 months at 13% APR. A larger deposit will typically reduce your monthly payments, and finance is subject to status and credit checks.
Does my credit score affect the monthly payment for a BMW 3 Series?: Yes, the monthly payment can be affected by your credit score. The quoted rates are representative examples, and the personal APR offered to you will depend on your individual credit history and an affordability assessment.
Which is better for a BMW 3 Series under this budget, HP or PCP?: With Hire Purchase (HP), you own the BMW 3 Series outright after all payments, while Personal Contract Purchase (PCP) offers lower monthly payments but requires a final balloon payment to own the car. Our comprehensive PCP vs HP finance guide details the full differences.