What deposit is needed to get a BMW 5 Series for under £400 a month?

A representative example for a BMW 5 Series on HP finance at 13% APR over 60 months with a £0 deposit would not result in a monthly payment under £400. A larger deposit will lower your monthly payments, and all finance is subject to status.

Does my credit score affect the monthly payment for a BMW 5 Series?

Yes, your credit score affects the monthly payment. The rates quoted are representative, and the actual APR offered to you will depend on your individual credit history and affordability checks.

Should I choose HP or PCP finance for a BMW 5 Series under £400 a month?

HP involves paying off the full value of the car over the term, owning it outright at the end, while PCP includes a balloon payment at the end if you wish to own the car. Motoring Today's PCP vs HP finance guide covers the differences in full detail.

BMW 5 Series under £400 per month

In stock

Live BMW 5 Series listings

From / month

£249/mo

Cheapest representative quote

Monthly budget

£400

Under £400 a month

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

Great price

BMW 5 Series

2018 520d M Sport Auto

DieselAutomatic95,437 mi2018

£200/yr

£249/mo

£11,397

cash

SWS Car Sales Ltd·3.8 (120)· Cobham

Above market

BMW 5 Series

2016 535d M Sport Auto

DieselAutomatic94,144 mi2016

Band F · £225/yr

£272/mo

£11,690

cash

Ezy Access·4.5 (207)· Ruislip

Good price

BMW 5 Series

2016 520d M Sport Auto

DieselAutomatic38,592 mi2016

Band C · £35/yr

£308/mo

£13,505

cash

AB Dealers·4.6 (196)· Feltham

Frequently asked questions

What deposit is needed to get a BMW 5 Series for under £400 a month?: A representative example for a BMW 5 Series on HP finance at 13% APR over 60 months with a £0 deposit would not result in a monthly payment under £400. A larger deposit will lower your monthly payments, and all finance is subject to status.
Does my credit score affect the monthly payment for a BMW 5 Series?: Yes, your credit score affects the monthly payment. The rates quoted are representative, and the actual APR offered to you will depend on your individual credit history and affordability checks.
Should I choose HP or PCP finance for a BMW 5 Series under £400 a month?: HP involves paying off the full value of the car over the term, owning it outright at the end, while PCP includes a balloon payment at the end if you wish to own the car. Motoring Today's PCP vs HP finance guide covers the differences in full detail.