BMW X3
2015 Xdrive 20d M Sport Auto
DieselAutomatic87,000 miBand E · £200/yr
Collection
Cash price
£10,300
Finance on request
£10,300 total
BMW X3 finance
PCP and Hire Purchase deals on a used BMW X3 through our approved UK dealers — from £272/mo.
Reviewed by the Motoring Today Editorial team · methodology in our editorial standards.
How much is a BMW X3 on finance?
Used BMW X3 finance starts from around £272 a month across the 3 in stock, with a typical monthly of about £326. Most are offered on PCP or Hire Purchase (HP) — see the representative example below for a full breakdown of a real BMW X3 deal, including the APR, deposit and total amount payable.
- From
- £272/mo
- Typical
- £326/mo
- Cash price from
- £10,300
- In stock
- 3
BMW X3 representative finance example
A genuine Hire Purchase quote for a 2018 BMW X3 currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £379
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £16,295.00
- Cash deposit
- £0.00
- Total amount of credit
- £16,295.00
- Total amount payable
- £22,734.00
- Representative APR
- 14.9%
- Total charge for credit
- £6,438.00
- 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 X3 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 X3, 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 X3 outright at the end and there are no mileage limits.
How HP works →BMW X3 in stock now — from £10,300
4.3(32)
Fair price
Good priceBMW X3
2018 Xdrive 30d M Sport Auto
DieselAutomatic103,716 mi£200/yr
Collection
From
£16,295 total
Frequently asked questions
- How much is a BMW X3 on finance per month?
- Finance on a used BMW X3 starts from around £272 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked BMW X3 deal with the full APR and totals.
- Can I get a BMW X3 on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used BMW X3 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 X3 — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the X3 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 X3 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 X3?
- There's no fixed minimum — many BMW X3 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.