Motoring Today

BMW X3 under £20,000

3 used BMW X3 for sale from £9,995 — every car priced under £20,000. Compare ULEZ, mileage and finance side by side.

There are currently 3 BMW X3 models available for under £20,000, with stock last updated on 6 August 2026. The most affordable cash price for an X3 in this price bracket is £10,300, and a representative HP finance option is available from £244 per month, subject to status. At this price point, you will find BMW X3 models manufactured between 2015 and 2018. The X3 is a popular choice for those seeking a premium compact SUV, known for its comfortable ride and practical interior, which typically offers a good balance of luxury and utility.

Available now
3
under £20,000
Cheapest
£9,995
In budget
BMW X3
Great price

BMW X3

2015 Xdrive 20d M Sport Auto

DieselAutomatic87,000 mi2015
Band E · £200/yr
Finance available on request
£9,995
cash

Hanworth Autos Ltd·4.3 (32)· Feltham

BMW X3
Great price

BMW X3

2016 Xdrive30d Se

DieselAutomatic79,603 mi2016
Band G · £275/yr
£239/mo
£10,290
cash

Ezy Access·4.5 (207)· Ruislip

BMW X3
Good price

BMW X3

2018 Xdrive 30d M Sport Auto

DieselAutomatic103,716 mi2018
£200/yr
£379/mo
£16,295
cash

Ezy Access·4.5 (207)· Ruislip

Frequently asked questions

What BMW X3 models can I find for under £20,000?
Currently, we have 3 BMW X3 models priced under £20,000, with the cheapest available from £10,300. These typically range from model years 2015 to 2018.
Is finance available for a BMW X3 at this cash price point?
Yes, finance can be arranged even for these cash prices. A representative example for a BMW X3 could be around £244 per month, though finance is subject to status and a representative APR of 13% applies.
What should I check on a used BMW X3 in this price range?
Always check the MOT history for past advisories, which Motoring Today shows on every listing. Verify the service history to ensure regular maintenance, and consider the mileage in relation to the car's age.