Fair price
BMW X1
2018 Sdrive 18i Xline
PetrolManual83,620 mi2018
£200/yr
£220/mo
£9,760
cash
AB Dealers·4.6 (196)· Feltham
BMW X1 representative finance example
A genuine Hire Purchase quote for a 2016 BMW X1 currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £265
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £11,390.00
- Cash deposit
- £0.00
- Total amount of credit
- £11,390.00
- Total amount payable
- £15,891.00
- Representative APR
- 14.9%
- Total charge for credit
- £4,500.00
- 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.
How BMW X1 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 X1, 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 X1 outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a BMW X1
Check your eligibility for BMW X1 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 X1 in stock now — from £9,760
Above market
BMW X1
2016 Sdrive 18d Se Auto
DieselAutomatic49,948 mi2016
Band C · £35/yr
£265/mo
£11,390
cash
Ezy Access·4.5 (207)· South Ruislip
Fair price
BMW X1
2016 Xdrive 20d M Sport Auto
DieselAutomatic61,253 mi2016
Band D · £170/yr
£274/mo
£11,999
cash
AB Dealers·4.6 (196)· Feltham
Frequently asked questions
- How much is a BMW X1 on finance per month?
- Finance on a used BMW X1 starts from around £220 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked BMW X1 deal with the full APR and totals.
- Can I get a BMW X1 on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used BMW X1 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 X1 — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the X1 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 X1 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 X1?
- There's no fixed minimum — many BMW X1 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 X1 per month on finance?
- You could finance a used BMW X1 from £220 per month. This representative example is based on a Hire Purchase product with no deposit, an APR of 13%, and a 60-month term. Finance is subject to status.
- What deposit and APR do I need?
- Our representative finance example shows an APR of 13% with no deposit for a Hire Purchase product. The actual APR you are offered and any required deposit will depend on your individual credit history and affordability.
- What's the difference between HP and PCP for a used BMW X1?
- With Hire Purchase (HP), you own the BMW X1 outright once all payments are made. With Personal Contract Purchase (PCP), you have options at the end of the term: return the car, pay a balloon payment to own it, or use any equity as a deposit for another car.
- Can I get finance on a used BMW X1 with the price range shown?
- Yes, finance is available for used BMW X1 models in our current stock, which range from £9760 to £11390. Representative finance starts from £220 per month, subject to status.