Fair price
BMW 4 Series
2018 420i M Sport Gran Coupe
PetrolAutomatic89,974 mi2018
ULEZ ✓£200/yr
£294/mo
£12,777
cash
CG Motorland·4.5 (202)· Leicester
BMW 4 Series finance
PCP and Hire Purchase deals on a used BMW 4 Series through our approved UK dealers — from £294/mo.
Reviewed by the Motoring Today Editorial team · methodology in our editorial standards.
How much is a BMW 4 Series on finance?
Used BMW 4 Series finance starts from around £294 a month across the 3 in stock, with a typical monthly of about £339. Most are offered on PCP or Hire Purchase (HP) — see the representative example below for a full breakdown of a real BMW 4 Series deal, including the APR, deposit and total amount payable.
- From
- £294/mo
- Typical
- £339/mo
- Cash price from
- £12,777
- In stock
- 3
BMW 4 Series representative finance example
A genuine Hire Purchase quote for a 2017 BMW 4 Series currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £339
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £14,590.00
- Cash deposit
- £0.00
- Total amount of credit
- £14,590.00
- Total amount payable
- £20,356.00
- Representative APR
- 14.9%
- Total charge for credit
- £5,765.00
- Fixed rate of interest pa
- 7.90%
- Option to purchase fee
- £1.00
The legal bit
Ezy Access Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 1011532).
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.
Quote provided by Zopa.
How BMW 4 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 4 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 4 Series outright at the end and there are no mileage limits.
How HP works →BMW 4 Series in stock now — from £12,777
Fair price
BMW 4 Series
2017 430i M Sport Gran Coupe
PetrolAutomatic70,021 mi2017
£200/yr
£339/mo
£14,590
cash
Ezy Access·4.5 (207)· Ruislip
Fair price
BMW 4 Series
2018 435d Xdrive M Sport Auto
DieselAutomatic54,987 mi2018
£200/yr
£437/mo
£18,999
cash
CG Motorland·4.5 (202)· Leicester
Frequently asked questions
- How much is a BMW 4 Series on finance per month?
- Finance on a used BMW 4 Series starts from around £294 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked BMW 4 Series deal with the full APR and totals.
- Can I get a BMW 4 Series on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used BMW 4 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 4 Series — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the 4 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 4 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 4 Series?
- There's no fixed minimum — many BMW 4 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.