BMW X4 Finance

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Average 38 MPG

Petrol, Diesel or Hybrid

SUV

BMW X4

The BMW X4 combines the practicality of a premium SUV with the bold, athletic design of a sports coupe. Its dynamic styling, featuring a sleek roofline and muscular stance, gives it a distinctive road presence that sets it apart from traditional USVs.


Inside, the BMW X4 delivers a luxurious, driver-focused experience. The cabin features high-quality materials and state-of-the-art technology, ensuring every journey feels connected and comfortable.


With precise handling, responsive steering, and optional xDrive all-wheel drive, the X4 offers confidence and control in any driving condition. Its spacious interior, versatile seating, and ample boot space make it a practical choice for everyday life, without compromising on performance or style.

Choose Any Vehicle, Any Dealer, Any Payment Plan

Finance and Affordability

Compare monthly payment examples, explore used BMW X4 finance options, and see how monthly payments vary based on trim, mileage, and age on available models across the UK.

bmw x4

2021 BMW X4 2.0 20d MHT M Sport xDrive

From

£325.37

a month* with £4,000 deposit

Mileage - 40,000

Transmission -Automatic

Fuel - Diesel

£19,500

Hire Purchase - 60 Monthly Payments £325.37, Deposit £4,000.00, 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 x4

2019 BMW X4 3.0 30d M Sport xDrive

From

£401.72

a month* with £1,000 deposit

Mileage - 60,000

Transmission - Automatic

Fuel - Diesel

£26,000

Lease Purchase - 49 Months, First Payment £551.72, 47 Monthly Payments £401.72, Final Payment £13,010.00, Deposit £1,000.00, Amount of Credit £25,000.00, Total Charge for Credit £7,442.56, Finance Provider Admin Fee £150.00, Option to Purchase Fee £10.00, A.P.R. 9.9% A.P.R., Rate of Interest (fixed) 5.00%, Annual Mileage 12000

bmw x4

2022 BMW X4 2.0 20d MHT M Sport

From

£423.38

a month* with 20% deposit

Mileage - 10,000

Transmission - Automatic

Fuel - Diesel

£33,500

Lease Purchase - 49 Months, First Payment £573.38, 47 Monthly Payments £423.38, Final Payment £18,510.00, Deposit £7,400.00, Amount of Credit£29,600.00, Total Charge for Credit £9,382.24, Finance Provider Admin Fee £150.00, Option to Purchase Fee £10.00, 9.9% A.P.R., Rate of Interest (fixed) 5.03%, 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
£
Cash Deposit
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Representative APR
9.9%
% APR
Term
60 mo
months
Your Finance Estimate
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Finance Summary
Total Cost Breakdown
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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