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A blue BMW 1 Series facing the right

Car finance for BMWs

Spread the cost of a used BMW across monthly payments with car finance.

Car finance for BMWs allows you to spread the cost of your car across a flexible deposit and monthly payments.  

You can choose from PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance plans, with payments lasting across your fixed payment term.  

How it works

Pick your perfect BMW and start the finance process.

Get a quote

Get a PCP or HP quote and choose your deposit amount, or consider a part exchange.

Apply online

Provide details like your home address and affordability to get a personalised offer for financing a BMW.

Get a decision

Finance lenders will review your application and let you know if you’ve been accepted.

Your offer

Accept your offer if you’re happy and start your car finance term.

How much does it cost to finance a BMW?

The cost of a BMW on finance depends on:

  • how much the used BMW costs

  • your deposit amount

  • the length of the term you choose

  • the interest rate you are offered

You can also part-exchange your current car to pay towards your next model.

Make sure you can commit to the term of the loan and that you can afford the monthly payments on top of your usual spending.

Failing to pay car finance or making late payments can damage your credit score.

bad credit car finance

What you’ll need to apply for finance for BMW cars:

In the application, you may be asked for:

  • your name

  • date of birth and nationality

  • your recent address history

  • your employment status

  • Bank details

  • your driving licence – full or provisional

  • your income and outgoings

Choosing HP or PCP for your BMW: what’s the difference?

HP (Hire Purchase) and PCP (Personal Contract Purchase) are types of car finance that help you pay for a BMW. 

Black BMW 3 Series driving along country road

With HP car finance for a BMW, you:

  1. Put down a deposit

  2. Choose your car finance term

  3. Pay monthly payments over a set time

  4. Own the BMW car at the end of the plan

If you want to end the agreement early, wear and tear charges may apply.

an orange BMW 1M driving on a mountain road

With PCP car finance for a BMW, you:

  1. Put down a deposit

  2. Choose your car finance term

  3. Pay monthly payments over a set time

  4. Keep, hand back or part exchange the BMW car at the end, with an optional final payment if you choose to keep the car

If you want to hand back the BMW – this is subject to mileage and condition (excess mileage and damage charges may apply).

If you part exchange at the end – this may be subject to paying off your existing finance agreement and new credit agreements.

It’s important to give an accurate mileage if you apply for PCP. If you go over your allowance, you’ll have to pay an excess mileage charge.

BMW car finance FAQs

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