BMW X3
2016 Xdrive 20d Xline Auto
DieselAutomatic94,136 mi2016
Band E · £200/yr
Finance available on request
£9,680
cash
Cobalt Motors·4.5 (153)· Gosforth
Finance is available on BMW X3 listings through our approved UK dealers. Open any car below to see that dealer’s current representative example, including the APR, monthly payment and total amount payable. Finance is subject to status and approval.
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 → Soft search
See what you could be offered on a BMW X3
Check your eligibility for BMW X3 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 X3 in stock now — from £9,680
Fair price
BMW X3
2016 Xdrive 20d M Sport Auto
DieselAutomatic81,623 mi2016
Band E · £200/yr
Finance available on request
£11,999
cash
AB Dealers·4.6 (235)· Feltham
Fair price
BMW X3
2018 Xdrive 30d M Sport Auto
DieselAutomatic103,716 mi2018
£200/yr
Finance available on request
£16,295
cash
Ezy Access·4.5 (248)· South Ruislip
Good price
BMW X3
2020 Xdrive 30d Xline Mhev Auto
DieselAutomatic19,315 mi2020
£200/yrHome delivery
Finance available on request
£27,999
cash
Anycolour Car·4.9 (154)· Barnsley
Frequently asked questions
- How much is a BMW X3 on finance per month?
- The monthly cost of a BMW X3 on finance depends on the car's price, your deposit, the length of the agreement and the APR you're offered. Open any BMW X3 listing to see the dealer's representative example.
- 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.
- How much is a used BMW X3 per month on finance?
- A used BMW X3 can be financed from £239 per month. This representative example assumes a 0% deposit, 60-month HP agreement at a 13% APR. Finance is subject to status.
- What deposit and APR do I need for a used BMW X3 finance agreement?
- Our representative example shows a 0% deposit and a 13% APR for a used BMW X3. However, the personal rate and deposit required will depend on your credit history and affordability assessment.
- What is the difference between HP and PCP finance for a used BMW X3?
- With Hire Purchase (HP), you own the BMW X3 outright once all payments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments but requires a balloon payment at the end to own the car, or you can return it or part-exchange it.
- Can I get finance on a used BMW X3 with the price range shown?
- Yes, finance is available for used BMW X3 models within the price range of £10290 to £16295, with monthly payments starting from £239, subject to status.