Best used BMW 3 Series cars on PCP finance
BMW 3 Series PCP deals can be a great way to spread the cost of your next car across several payments
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The BMW 3 Series is an unforgettable car that has dominated the market for years.
It’s a favourite choice for motorists who want a sleek and sporty car with that luxury edge.
Used BMW 3 Series models have an impressive range of engines on offer, with choices for petrol, diesel and plug-in hybrids.
You can also choose from automatic BMW 3 Series models or classic manuals.
The interior of the 3 Series is impressive too, regardless of which model you pick.
Each one gets handy tech and plush styling that feels authentically premium.
Rivalling the Mercedes-Benz C-Class and Audi A4, the 3 Series often takes the edge thanks to the luxe reputation that BMW offers and the comfortable but sporty drive.
You can spread the cost of your favourite model with BMW 3 Series Personal Contract Purchase (PCP) finance (or Hire Purchase), making it easier to get on the road at an affordable price.
Get a BMW 3 Series with a PCP finance deal
PCP car finance is a popular way to spread the cost of your car across monthly payments, with a final optional ‘balloon payment’ at the end of your contract.
You can choose not to pay the balloon payment and return your car to the lender, or you can pay and take full ownership of the car.
Having the option to return your BMW 3 Series is a great way to get a sort of long-term ‘test drive’, so you can see how the car really fits into your lifestyle.
You can enjoy the car knowing it will be easy to switch to something new at the end of your contract or keep it and pay the balance if you’ve really enjoyed it.
Keeping on top of PCP car finance payments can also help you build a good credit rating if you pay on time.
If you think you might want to return your 3 Series and not pay the balloon payment, you’ll need to monitor damages.
Anything over the guidelines of fair wear and tear may mean you’ll be charged damage fees for the repairs.
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Used BMW 3 Series M Sport on PCP car finance
The BMW M Sport is a favourite option for PCP finance – it’s got all the equipment and features you could ask for, with some seriously impressive engines.
While the standard styling of the 3 Series is pretty special, the additional sporty body kit that comes with the M Sport might clinch it for some motorists.
The steering wheel is all sported-up too, looking sharp with the luxe interior.
Luxury is definitely what you can expect from the inside of the BMW 3 Series M Sport, including an upgraded 12.3-inch infotainment screen.
There are incredible engines on offer too, like the 330i and 330d models that the M Sport range is famous for.
These get eight-speed automatic transmission that is buttery-smooth in all driving scenarios.
Choosing a BMW 3 Series M Sport on a PCP finance deal can be a great way to spread the cost of the car into affordable monthly payments.
As you won't be paying for the full value of the car across those monthly payments, just the depreciation amount, you’ll usually find that those payments are smaller.
You’ll still have to consider the final balloon payment if you want to take legal ownership of the car, however.
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Used BMW 3 Series Saloon on PCP finance
The BMW 3 Series Saloon is a sleek and classic-looking car that is quintessentially BMW.
It has that timeless styling that’s instantly recognisable as the brand.
The long shape of the car and swooping roofline means it looks elegant, but it’s still spacious inside.
There’s a 480-litre boot in the Saloon model that can be expanded with folding seats, plus a roomy cabin with five -seats and Isofix child seat points.
Even the standard 3 Series Saloon is packed with tech, with the entry-level SE models still offering built- in sat-nav, three-zone climate control, and a reversing camera.
Spreading the cost of a BMW 3 Series Saloon with a PCP finance deal is a great way to avoid paying the upfront cost of a premium car.
You’ll get to experience a luxury BMW with affordable monthly payments, and take your time to consider if you want to pay the balloon payment to take ownership of the car.
PCP with a BMW 3 Series Saloon can also be a good idea if you don’t want to be hit by depreciation.
You can enjoy your car until you’re ready to move on, and then return it without the hassle of trying to sell it yourself.
You could also choose to part-exchange your BMW 3 Series in the future, so there are always options when it's time to move on.
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Used BMW 3 Series Touring on PCP finance
The BMW 3 Series Touring might be a better option if you prefer an estate shape over a saloon, with its menacing look and sportier feel.
The 3 Series Touring gets a slightly larger 500-litre boot that can be extended to 1,510- litres if you drop the rear seats.
The cabin itself is comfortable and would still be suitable as a family car, while the straighter roofline gives the feel of more headroom.
Just like the Saloon model, the Touring feels high-quality and well built. The interior is solid and luxurious, and offers tech like the infotainment screen and built-in sat-nav, plus Apple CarPlay and Android Auto.
If you fancy it, opt for an even-sportier look by going for a Touring M Sport model, or the even-flashier M Sport Shadow Edition.
You can get any of the BMW 3 Series Touring models on PCP finance, meaning you can get on the road with manageable monthly payments.
You’ll just need to use our finance calculator to get a quote on your PCP finance, apply online and wait for the lender's decision. This usually takes no longer than 24 hours.