What deposit do I need to get a BMW X3 under £400 per month?

Our representative finance example for a BMW X3 is based on a £0 deposit over 60 months at 13% APR. This typically results in a higher monthly payment than £400, but increasing your deposit will lower your monthly payments. All finance is subject to status.

Does my credit score affect the monthly payment?

Yes, your credit score can affect the monthly payment. The finance rates quoted are representative examples, and the personal APR offered to you will depend on your individual credit history and affordability checks.

Should I choose HP or PCP for this budget?

For a BMW X3 under £400 per month, HP means you own the car at the end of the term, whereas PCP typically offers lower monthly payments but involves a balloon payment to own the car. Our comprehensive PCP vs HP finance guide explains the differences in full.

BMW X3 under £400 per month

In stock

Live BMW X3 listings

From / month

£239/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 X3

2016 Xdrive30d Se

DieselAutomatic79,603 mi2016

Band G · £275/yr

£239/mo

£10,290

cash

Ezy Access·4.5 (207)· South Ruislip

Fair price

BMW X3

2016 Xdrive 20d M Sport Auto

DieselAutomatic81,623 mi2016

Band E · £200/yr

£283/mo

£12,400

cash

AB Dealers·4.6 (196)· Feltham

Fair price

BMW X3

2018 Xdrive 30d M Sport Auto

DieselAutomatic103,716 mi2018

£200/yr

£379/mo

£16,295

cash

Ezy Access·4.5 (207)· South Ruislip

Frequently asked questions

What deposit do I need to get a BMW X3 under £400 per month?: Our representative finance example for a BMW X3 is based on a £0 deposit over 60 months at 13% APR. This typically results in a higher monthly payment than £400, but increasing your deposit will lower your monthly payments. All finance is subject to status.
Does my credit score affect the monthly payment?: Yes, your credit score can affect the monthly payment. The finance rates quoted are representative examples, and the personal APR offered to you will depend on your individual credit history and affordability checks.
Should I choose HP or PCP for this budget?: For a BMW X3 under £400 per month, HP means you own the car at the end of the term, whereas PCP typically offers lower monthly payments but involves a balloon payment to own the car. Our comprehensive PCP vs HP finance guide explains the differences in full.