Best used BMW 1 Series cars on PCP finance

The BMW 1 Series is a favourite among premium hatchback models and is a great option for a smaller family car.

It has a luxury feel that’s typical of BMW and there’s a range of models to pick from.

You can choose an automatic used BMW 1 Series model or a manual, and there’s also a choice of rear-wheel and front-wheel drive depending on the generation of car you pick.

The 1 Series rivals other favourite models like the Audi A3, Volkswagen Golf, and Mercedes-Benz A-Class, but the 1 Series often has the edge thanks to its handsome styling and practical touches.

You can get a used BMW 1 Series on Personal Contract Purchase (PCP) car finance (or Hire Purchase) if you want to spread the cost across monthly payments.

At the end of your PCP contract, you’ll have the option to pay the final ‘balloon payment’ or return the car.

Get a BMW 1 Series with a PCP finance deal

PCP car finance allows you to spread the cost of your car across monthly payments, covering the depreciation amount.

At the end of your contract, you can cover the rest of the car cost with a final ‘balloon payment’ and take ownership, or simply hand the car back.

• Ending PCP and HP car finance early

You might find that PCP is the best option if you don’t want to fully commit to the BMW 1 Series and want to see how it fits into your lifestyle before you purchase.

Spreading the cost of your 1 Series with PCP can mean that your monthly payments are lower than other types of car finance, as you’re not covering the full value of your car.

You’ll need to consider the condition of your car if you choose not to pay the final balloon payment and want to return it, as any damage that’s not considered fair wear and tear might mean you’ll be charged fees for the repairs.

Overall, PCP can be an affordable way to finance a BMW 1 Series with the option to stick or twist at the end.

Used BMW 1 Series SE on PCP car finance

The BMW 1 Series SE is the entry-level trim in the range, but that doesn’t mean it’s basic.

It’s still a heavily kitted-out car that will fit into the lives of solo motorists looking for a daily drive, as well as busy families.

With the SE trim, you’ll get slick 16-inch alloy wheels and chrome exhaust trim tailpipes.

It’s a sporty-looking car that doesn’t quite feel like 'boy racer' material and is still timelessly styled.

There’s also a seven-inch infotainment touchscreen that offers a built-in sat-nav and real-time traffic updates.

When it comes to driving, you can cycle (or drive...) through different modes and there are a few engines to pick from, including both petrol and diesel options.

You can spread the cost of a BMW 1 Series SE with a PCP finance deal, allowing you to split the cost of the car across manageable monthly payments.

If you choose to pay the final balloon sum at the end of your contract, you can take ownership of your SE model and enjoy it for as long as you please.

Used BMW 1 Series Sport on PCP car finance

Take a step up in the range and go for a BMW 1 Series Sport model to get all the kit that comes with the SE trim, plus some impressive upgrades.

In the Sport model, you’ll get an extra Sport+ driving mode, launch control and larger 17-inch alloy wheels.

The exhaust gets an upgrade too, with a dark chrome colourway that matches the black headlights.

Inside the car, you’ll enjoy sports seats at the front and a three-spoke leather steering wheel in black leather.

There’s a great range of engines available in the Sport lineup, including the 1.5-litre petrol and the chunky 2.0-litre diesel that offers 0-62mph in around 8.5 seconds.

You can get a BMW 1 Series Sport model on PCP finance if you’d like to spread the cost or are unsure if you want to buy the car without giving it a good test drive.

The option to not pay that final balloon payment and hand back the car means you can consider if the car is right for you before you purchase.

Used BMW 1 Series M Sport on PCP car finance

The BMW 1 Series M Sport model is a real highlight in the range and adds even more features and kit to this already-embellished car.

You’ll benefit from M Sport suspension and larger 18-inch alloy wheels, plus ‘M’ decals around the car for an exclusive feel.

If you like the M Sport but want even more, the BMW 1 Series 128ti model takes the extra M Sport touches and offers a further spin.

You’ll get Y-spoke alloy wheels and twin exhaust pipes, plus handling upgrades like limited-slip differential, with a 2.0-litre petrol engine.

Spreading the cost of a BMW 1 Series M Sport model is a great way to enjoy these impressive cars without breaking the bank.

The monthly payments can be more affordable as you won't be paying the full cost of the car and can opt out of the final balloon payment.