BMW 5 Series finance

Frequently asked questions

How much is a BMW 5 Series on finance per month?

The monthly cost of a BMW 5 Series on finance depends on the car's price, your deposit, the length of the agreement and the APR you're offered. Open any BMW 5 Series listing to see the dealer's representative example.

Can I get a BMW 5 Series on PCP?

Yes. Personal Contract Purchase (PCP) is available on most used BMW 5 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 5 Series — which is better?

Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the 5 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 5 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 5 Series?

There's no fixed minimum — many BMW 5 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 5 Series per month on finance?

A used BMW 5 Series can be financed from £245 per month. This representative example assumes a 60-month HP agreement at 13% APR with no deposit. Finance is subject to status.

What deposit and APR do I need for a used BMW 5 Series?

The representative finance example for the BMW 5 Series shows a 13% APR with no deposit required. Your personal APR will depend on your credit history and affordability assessment.

What is the difference between HP and PCP for a BMW 5 Series?

With Hire Purchase (HP), you own the BMW 5 Series outright once all payments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments but involves a balloon payment at the end if you wish to own the car, or you can return it or trade it in.

Can I get finance on a used BMW 5 Series with the price range shown?

Yes, finance is available for used BMW 5 Series models within the £7,490 to £25,495 price range. Monthly payments start from £245, as seen in our representative example.