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BMW 3 Series Finance

Car Finance for BMW 3 Series

  • Competitive PCP & Hire Purchase quotes from over 20 lenders
  • Get the best available rates on cars from £15,000 – £250,000
  • Use a Trustpilot 5-Star rated team with expert knowledge
  • Rates start from 8.9% APR with a representative APR of 8.9%*

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BMW 3 Series Finance

Find great BMW 3 Series finance deals from across the UK

The BMW 3 Series is a popular car due to its reliability, comfort, and ease of driving. However, sought-after cars like BMWs can have high price tags, making car financing a great option for people who want this vehicle. If you’re looking at buying a BMW Series 3 on finance, you’re probably wondering how to get the best deal possible.

Our simple quote comparison tool lets you easily compare finance quotes from a wide range of lenders throughout the UK, including dealerships and banks. Comparing quotes lets you easily look at options quickly, giving you the chance to save money.


How can I get a low interest rate on a BMW 3 Series?

The interest rate you get offered will depend on a few factors. You can often get a lower interest rate for a smaller loan amount, so you can lower your interest rate by increasing your deposit. You can also look at improving your credit rating, and comparing quotes for finance to find one with a low interest rate.


Can I get a BMW 3 Series on finance if I have bad credit?

Different lenders will have different minimum credit scores to offer finance for a BMW 3 Series. There are lenders who specialise in finance options for customers with poor credit ratings. However, if you think your credit score will prevent you from getting finance, you may want to consider improving it.


What length of finance can I get for a BMW 3 Series?

Most car finance lenders will offer loans for between 24 and 48 months. However, some lenders will offer short finance deals over 12 months, and some will offer 60-month contracts.


Should I get car finance from the dealership?

Dealerships do not always offer the best finance deals. This is because they assume buyers will get their financing at the dealership rather than shopping around. Comparing quotes is an easy way to see if you can save money.


How long does approval take for a BMW on finance?

Getting approval on finance will vary between lenders. Some lenders will offer approval within days while going to a main dealership can take over a month to get approval.


Does the BMW 3 Series hold its value?

The BMW 3 Series is a popular car, and you are likely to see it retain a significant amount of its value during the term of your financing. This is the same with many BMW models, like the BMW X4 and the BMW X2. However, it can be hard to predict exactly how much a car will be worth once you have finished paying it off.


Can I change my car during financing?

Some finance offers might let you change your car for a newer model during financing as a part exchange. However, some lenders such as banks may not offer this option.

* We are a credit broker and not a lender. Representative Example - Personal Contract Purchase: Cash Price £15,000.00, Deposit £500.00, borrowing £14,500.00 over 4 years at 8.9% Representative APR (fixed). 47 monthly payments of £228.99 followed by a final payment of £7,560.00. Total cost of credit of £3,832.53 and total amount payable of £18,832.53. Based on 8,000 miles per annum, excess mileage charges will apply if this is exceeded. Finance subject to status 18+ only.

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