What deposit is needed to get a BMW X3 for under £500 a month?

A typical representative finance example for a BMW X3 offers a 60-month HP agreement at 13% APR with a £0 deposit. This can achieve a monthly payment as low as £244 on some models. A larger deposit would typically lower your monthly payments, and all finance is subject to status.

Does my credit score affect the monthly payment for a BMW X3?

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

Which is better for this budget, HP or PCP, for a BMW X3?

With HP, you own the BMW X3 outright after the final payment, while PCP involves lower monthly payments with a balloon payment at the end if you wish to own the car. Motoring Today's comprehensive PCP vs HP finance guide covers the full details of each option.

BMW X3 under £500 per month

In stock

Live BMW X3 listings

From / month

£239/mo

Cheapest representative quote

Monthly budget

£500

Under £500 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

£290/mo

£12,706

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 is needed to get a BMW X3 for under £500 a month?: A typical representative finance example for a BMW X3 offers a 60-month HP agreement at 13% APR with a £0 deposit. This can achieve a monthly payment as low as £244 on some models. A larger deposit would typically lower your monthly payments, and all finance is subject to status.
Does my credit score affect the monthly payment for a BMW X3?: Yes, your credit score can affect the monthly payment. The finance rates quoted are representative examples, and the personal Annual Percentage Rate (APR) you are offered will depend on your individual credit history and affordability checks.
Which is better for this budget, HP or PCP, for a BMW X3?: With HP, you own the BMW X3 outright after the final payment, while PCP involves lower monthly payments with a balloon payment at the end if you wish to own the car. Motoring Today's comprehensive PCP vs HP finance guide covers the full details of each option.