BMW 1 Series finance calculator
Rates from 7.9% APR.
Work out the monthly payments on any BMW 1 Series with our free PCP and HP calculator. Why accept a high 16.90% APR from a dealer? Here are the facts based on our user's comparisons: We save on average £47.96 per month on used BMW finance deals.
| Average dealer | ||
|---|---|---|
| Representative APR | 8.73% | 11.46% |
| Monthly payment | £534 | £582 |
| Total payable | £25,234 | £27,485 |
| Monthly saving | £48 | N/A |
Statistics based on a sample size of 308 real BMW finance calculations and comparisons from 1/13/2026 to 7/13/2026. Data last updated on 7/13/2026
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Latest BMW 1 Series finance quotes
We compare multiple brokers and their lenders to find you the very best deal. You get to buy the same car for same price, but with lower payments.
| Price | Rep. APR | Monthly payment | GFV or Final payment | Monthly saving | |
|---|---|---|---|---|---|
120 M Sport 5dr Step Auto 23rd Sep 2026 More details | £26,950 £2,000 deposit over 36 months | 8.9% | £394.96 | £16,472 | £49.28 |
3,338 miles 18th Sep 2026 More details | £23,490 £1,500 deposit over 36 months | 8.9% | £295.61 | £16,611 | £45.63 |
3,338 miles 18th Sep 2026 More details | £23,490 £2,349 deposit over 36 months | 8.9% | £268.10 | £16,611 | £44.56 |
3,338 miles 18th Sep 2026 More details | £23,490 £2,349 deposit over 48 months | 8.9% | £264.90 | £14,900 | £42.66 |
3,338 miles 18th Sep 2026 More details | £23,490 £2,349 deposit over 48 months | 8.9% | £289.90 | £13,500 | £37.86 |
120 M Sport 5dr Step Auto 18th Sep 2026 More details | £27,250 £5,000 deposit over 36 months | 8.9% | £307.56 | £16,471 | £45.79 |
120 M Sport 5dr Step Auto 18th Sep 2026 More details | £27,250 £2,000 deposit over 36 months | 8.9% | £404.72 | £16,471 | £49.64 |
120 M Sport 5dr Step Auto 18th Sep 2026 More details | £27,250 £2,000 deposit over 48 months | 8.9% | £369.20 | £14,837 | £48.03 |
120 M Sport 5dr Step Auto 18th Sep 2026 More details | £24,500 £2,000 deposit over 48 months | 8.9% | £300.15 | £14,837 | £44.40 |
120 M Sport 5dr Step Auto 14th Sep 2026 More details | £27,000 £3,000 deposit over 48 months | 8.9% | £337.83 | £14,837 | £46.36 |
120 M Sport 5dr Step Auto 14th Sep 2026 More details | £27,950 £3,000 deposit over 48 months | 8.9% | £361.67 | £14,837 | £47.62 |
120 M Sport 5dr Step Auto 14th Sep 2026 More details | £27,950 £3,000 deposit over 48 months | 8.9% | £361.67 | £14,837 | £47.62 |
120 M Sport 5dr Step Auto 14th Sep 2026 More details | £26,000 £2,500 deposit over 36 months | 8.9% | £348.00 | £16,472 | £47.42 |
120 M Sport 5dr Step Auto 14th Sep 2026 More details | £25,000 £2,000 deposit over 36 months | 8.9% | £331.81 | £16,472 | £46.77 |
120 M Sport 5dr Step Auto 23rd Aug 2026 More details | £25,000 £1,000 deposit over 36 months | 8.9% | £324.38 | £18,060 | £49.72 |
120 M Sport 5dr Step Auto 23rd Aug 2026 More details | £25,000 £2,000 deposit over 48 months | 8.9% | £288.66 | £16,184 | £46.38 |
120 M Sport 5dr Step Auto 23rd Aug 2026 More details | £25,000 £2,000 deposit over 36 months | 8.9% | £291.99 | £18,060 | £48.43 |
120 M Sport 5dr Step Auto 23rd Aug 2026 More details | £26,000 £2,000 deposit over 36 months | 8.9% | £324.38 | £18,060 | £49.72 |
M135i xDrive 5dr Step Auto 18th Aug 2026 More details | £24,800 £4,000 deposit over 60 months | 8.9% | £283.15 | £11,031.50 | £38.55 |
128ti 5dr Step Auto 13th Aug 2026 More details | £20,000 £2,000 deposit over 60 months | 8.9% | £258.38 | £8,564 | £32.43 |
118i [136] M Sport 5dr Step Auto [LCP] 14th Jul 2026 More details | £18,995 £4,000 deposit over 48 months | 8.9% | £254.13 | £6,859 | £44.04 |
118i [136] M Sport 5dr Step Auto [LCP] 14th Jul 2026 More details | £18,995 £4,000 deposit over 48 months | 8.9% | £254.13 | £6,859 | £35.31 |
7,805 miles 28th Jun 2026 More details | £26,840 £4,000 deposit over 48 months | 8.9% | £292.89 | £15,720.63 | £60.79 |
7,805 miles 28th Jun 2026 More details | £26,840 £2,699 deposit over 48 months | 8.9% | £595.67 | N/A | £42.20 |
24,000 miles 13th Jun 2026 More details | £27,000 £1,000 deposit over 60 months | 8.9% | £357.85 | £13,500 | £79.53 |
24,000 miles 13th Jun 2026 More details | £27,000 £1,000 deposit over 48 months | 8.9% | £411.94 | £13,500 | £78.98 |
24,000 miles 13th Jun 2026 More details | £27,000 £2,700 deposit over 48 months | 8.9% | £599.60 | N/A | £53.34 |
9,000 miles 23rd May 2026 More details | £28,793 £4,000 deposit over 48 months | 8.9% | £341.08 | £15,769.99 | £32.31 |
17,250 miles 23rd May 2026 More details | £27,499 £4,000 deposit over 48 months | 8.9% | £306.45 | £15,888.19 | £46.77 |
17,250 miles 23rd May 2026 More details | £27,499 £2,750 deposit over 48 months | 8.9% | £610.67 | N/A | £32.53 |
7,805 miles 17th May 2026 More details | £28,350 £4,000 deposit over 48 months | 8.9% | £326.19 | £15,980.50 | £63.75 |
7,805 miles 17th May 2026 More details | £28,350 £2,850 deposit over 48 months | 8.9% | £629.21 | N/A | £44.58 |
17,250 miles 11th May 2026 More details | £28,710 £4,000 deposit over 48 months | 8.9% | £336.89 | £15,888.19 | £48.32 |
17,250 miles 11th May 2026 More details | £28,710 £2,871 deposit over 48 months | 8.9% | £637.57 | N/A | £33.96 |
7,805 miles 10th May 2026 More details | £28,778 £4,000 deposit over 48 months | 8.9% | £336.93 | £15,980.50 | £64.50 |
7,805 miles 10th May 2026 More details | £28,778 £2,893 deposit over 48 months | 8.9% | £638.71 | N/A | £45.26 |
7,805 miles 10th May 2026 More details | £28,778 £2,893 deposit over 48 months | 8.9% | £638.71 | N/A | £45.26 |
7,805 miles 10th May 2026 More details | £28,778 £2,893 deposit over 48 months | 8.9% | £638.71 | N/A | £45.26 |
20,800 miles 6th May 2026 More details | £28,649 £4,000 deposit over 48 months | 8.9% | £369.66 | £13,967 | £46.34 |
20,800 miles 6th May 2026 More details | £28,649 £2,865 deposit over 48 months | 8.9% | £636.21 | N/A | £33.91 |
53,787 miles 3rd May 2026 More details | £21,995 £2,200 deposit over 48 months | 8.9% | £488.44 | N/A | £43.44 |
40,000 miles 3rd May 2026 More details | £22,495 £2,250 deposit over 48 months | 8.9% | £499.54 | N/A | £35.53 |
M135i xDrive 5dr Step Auto 17th Apr 2026 More details | £29,995 £2,000 deposit over 48 months | 8.9% | £420.09 | £15,848.39 | £52.61 |
M135i xDrive 5dr Step Auto 17th Apr 2026 More details | £29,995 £2,000 deposit over 48 months | 8.9% | £420.09 | £15,848.39 | £52.61 |
123 xDrive M Sport 5dr Step Auto 1st Mar 2026 More details | £30,950 £4,643 deposit over 60 months | 8.9% | £332.64 | £15,825.64 | £50.58 |
8,079 miles 8th Feb 2026 More details | £32,995 £4,000 deposit over 48 months | 8.9% | £427.68 | £16,830 | £54.90 |
8,079 miles 8th Feb 2026 More details | £32,995 £3,300 deposit over 48 months | 8.9% | £445.26 | £16,830 | £50.23 |
8,079 miles 5th Feb 2026 More details | £32,995 £4,000 deposit over 48 months | 8.9% | £427.68 | £16,830 | £54.90 |
8,079 miles 5th Feb 2026 More details | £32,995 £3,300 deposit over 48 months | 8.9% | £445.26 | £16,830 | £50.23 |
M Sport 19,100 miles 28th Jan 2026 More details | £18,490 £1,849 deposit over 48 months | 8.9% | £227.87 | £10,643.50 | £32.51 |
3,111 miles 1st Jan 2026 More details | £31,549 £3,155 deposit over 48 months | 8.9% | £392.10 | £17,977 | £55.28 |
120 M Sport 5dr Step Auto 28th Dec 2025 More details | £26,999 £3,000 deposit over 48 months | 8.9% | £592.17 | N/A | £31.55 |
Calculations based on the last 52 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.
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