BMW X1 Finance

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Average 42.6 MPG

Petrol, Diesel or Hybrid

SUV

BMW x1 side on

The BMW X1 is a premium compact SUV that strikes the perfect balance between luxury, versatility, and driving performance. With its athletic stance, bold lines, and iconic BMW kidney grille, the X1 commands attention wherever it goes, from city streets to open motorways.


Step inside and you're welcomed by a spacious and meticulously crafted interior, featuring high-quality materials and the latest tech innovations. Every detail is designed to deliver comfort, convenience, and confidence on every journey.


Under the bonnet, the X1 offers a choice of efficient petrol, diesel, and plug-in hybrid powertrains, combining responsive performance with impressive fuel economy. The agile handling and precise steering make it effortless to manoeuvre in urban settings while remaining refined and stable on longer drives.


With its generous boot capacity, versatile seating, and cutting-edge safety technology, the BMW X1 is the ideal SUV for families, professionals, and adventurous drivers who demand premium quality in a compact package.

Any Vehicle, Any Dealer, Any Payment Plan

Finance and Affordability

Find your perfect BMW X1 today. Compare monthly payment examples, explore used BMW finance options, and see how monthly payments vary based on trim, mileage, and age.

bmw x1

2020 BMW X1 1.0 18d M Sport xDrive

From

£325.37

a month* with £5,000 deposit

Mileage - 40,000

Transmission - Automatic

Fuel - Diesel

£20,500

Hire Purchase - 60 Monthly Payments £325.37, Deposit £5,000.00, Amount of Credit £15,500.00, Total Charge for Credit £4,022.20, 9.9% A.P.R., Rate of Interest (fixed) 5.19%

bmw x1

2022 BMW X1 1.5 18i xLine sDrive

From

£260.30

a month* with 20% deposit

Mileage - 70,000

Transmission - Manual

Fuel - Petrol

£15,500

Hire Purchase -  60 Monthly Payments £260.30, Deposit £3,100.00, Amount of Credit £12,400.00, Total Charge for Credit £3,218.00, 9.9% A.P.R., Rate of Interest (fixed) 5.19%

bmw x1

2023 BMW X1 1.5 20i MHT M sport DCT sDrive

From

£359.06

a month* with £7,000 deposit

Mileage - 30,000

Transmission - Automatic

Fuel - Petrol Hybrid

£32,500

Lease Purchase - 49 Months, First Payment £509.06, 47 Monthly Payments £359.06, Final Payment £16,260.00, Deposit £7,000.00, Amount of Credit £25,500.00, Total Charge for Credit £8,144.88, Finance Provider Admin Fee £150.00, Option to Purchase Fee £10.00, 9.9% A.P.R., Rate of Interest (fixed) 5.02%, Annual Mileage 12000

Vehicle Finance Calculator

Vehicle Finance Calculator

Get an indicative monthly payment estimate across different finance products

Hire Purchase (HP) — A straightforward way to spread the cost of your vehicle. You pay a deposit, then fixed monthly payments over the agreed term, and own the vehicle outright at the end. Read our full guide to Hire Purchase →
Personal Contract Purchase (PCP) — Lower monthly payments with an optional Guaranteed Future Value (GFV) payment at the end. You can pay the GFV to own the vehicle, hand it back, or put any equity towards your next car. The GFV below is set to the UK average of 42% of the vehicle price. Read our full guide to PCP →
Lease Purchase requires a minimum finance balance of £25,000(vehicle price minus deposit). Similar structure to HP but with a deferred balloon payment at the end — you own the vehicle outright once the final payment is settled. The balloon below is set to 40% of the vehicle price, which is typical for newer and higher-value vehicles. A £150 admin fee and £10 option to purchase fee apply. Read our full guide to Lease Purchase →
Vehicle Price
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Representative APR
9.9%
% APR
Term
60 mo
months
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Representative example only. This calculator provides an indicative estimate using standard actuarial calculation methods based on the values you enter. Actual finance offers are subject to status, credit assessment, and individual lender terms. Figures are for illustrative purposes and may differ from a formal finance quotation. Finance is subject to approval.
Motor Loans R Us is a trading style of Premier Specialist Solutions Ltd. Premier Specialist Solutions Ltd is registered in England and Wales (Company Number 15670030) and is an Introducer Appointed Representative of Carki. Carki is a trading style of Equaliti Limited, registered in England and Wales (Company Number 13109643) authorised and regulated by the Financial Conduct Authority (FRN 952416). Registered office: Glasshouse, Alderley Park, Alderley Edge, Cheshire, SK10 4TF. Carki is a credit broker, not a lender, and can introduce customers to a panel of finance providers. Commission may be received for such introductions. This will not affect the rate offered or the amount payable under any finance agreement. All finance is subject to status, affordability and lender criteria. Applicants must be aged 18 or over. Terms and conditions apply. ICO Registration Numbers: Carki (ZB349066) and Premier Specialist Solutions Ltd (ZB739428).

*Finance subject to status.

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