The best used BMW 1 Series finance deals

Use our BMW 1 Series finance calculator to compare PCP and HP payments on the exact car you want - using a URL, a registration number, or just the make and model. BMW dealerships often mark up their finance rates to boost their profits. At Prefinance, we cut out the middleman. You find the 1 Series on AutoTrader, Motors.co.uk, or anywhere else and we provide the funding at a rate that beats the dealer. Rates starting from 7.9% - Representative APR 8.9%.

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Why choose an BMW 1 Series?

The used BMW 1 Series car stands out in the used car market as a compact premium offering that delivers an engaging driving experience without the hefty new-car price tag. Often chosen by younger drivers who want BMW's renowned driving dynamics and quality in a more manageable and affordable package. This makes it perfect for young professionals, city dwellers, or anyone who wants practical daily driver with a touch of class.

Key features: Performance in a used 1 Series, particularly models like the 118i or 120d, offers a compelling blend of power and efficiency, often hitting 0-60 mph in the 7-10 second range, complemented by precise steering and a balanced chassis. Its rear-wheel-drive (on earlier generations to 2019) or front-wheel-drive after 2019, with options of xDrive all-wheel-drive (on newer models) .Each drivetrain ensures confident handling and a truly driver-focused feel. Inside, the 1 Series boasts a well-appointed cabin with high-quality materials, comfortable seating, and user-friendly technology such as BMW's iDrive infotainment system. As a used purchase, the 1 Series represents excellent value, offering access to premium brand prestige, advanced engineering, and a sophisticated driving experience at a significantly depreciated price. Furthermore, its relatively compact dimensions make it highly manoeuverable and easy to park, an ideal feature for city driving. The latest performance flagship is the M135i xDrive (rebranded simply as the M135 for the 2025/2026 model year), which utilises a 2.0-litre turbocharged engine and all-wheel drive to produce up to 306 hp. This allows for a blistering 0 to 62 mph sprint in under 5 seconds. For those preferring a lighter, more agile feel, the 128ti serves as a focused front-wheel-drive alternative, delivering 265 hp and a sub-seven-second 0–62 mph time, making it a formidable rival to the classic Golf GTI.

Financing a 1 Series:

The BMW 1 Series stands out as an excellent choice for financing, with strong residual values and enduring desirability. This means your investment holds its value well over time, a significant advantage particularly for Personal Contract Purchase (PCP) finance customers. Lower depreciation can lead to more favourable monthly payments and greater flexibility at the end of your agreement.

We make financing your 1 Series straightforward and accessible. Our APR rates start from a competitive 7.9%, with a representative APR of 8.9%. We also offer flexible terms, capable of funding models of various ages. Our advanced comparison technology works to find the best lender specifically tailored to your chosen vehicle. Discover how affordable a BMW 1 Series can be by trying a comparison today!

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.

Prefinance logoAverage dealer
Representative APR 8.73%11.46%
Monthly payment £534£582
Total payable £25,234£27,485
Monthly saving £48N/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
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£23,490
£1,500 deposit over 36 months
8.9% £295.61 £16,611 £45.63
3,338 miles
18th Sep 2026
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£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
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£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
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£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
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£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
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£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
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£24,800
£4,000 deposit over 60 months
8.9% £283.15 £11,031.50 £38.55
128ti 5dr Step Auto
13th Aug 2026
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£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
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£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
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£18,995
£4,000 deposit over 48 months
8.9% £254.13 £6,859 £35.31
7,805 miles
28th Jun 2026
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£26,840
£4,000 deposit over 48 months
8.9% £292.89 £15,720.63 £60.79
7,805 miles
28th Jun 2026
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£26,840
£2,699 deposit over 48 months
8.9% £595.67N/A £42.20
24,000 miles
13th Jun 2026
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£27,000
£1,000 deposit over 60 months
8.9% £357.85 £13,500 £79.53
24,000 miles
13th Jun 2026
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£27,000
£1,000 deposit over 48 months
8.9% £411.94 £13,500 £78.98
24,000 miles
13th Jun 2026
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£27,000
£2,700 deposit over 48 months
8.9% £599.60N/A £53.34
9,000 miles
23rd May 2026
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£28,793
£4,000 deposit over 48 months
8.9% £341.08 £15,769.99 £32.31
17,250 miles
23rd May 2026
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£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% £610.67N/A £32.53
7,805 miles
17th May 2026
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£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% £629.21N/A £44.58
17,250 miles
11th May 2026
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£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% £637.57N/A £33.96
7,805 miles
10th May 2026
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£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% £638.71N/A £45.26
7,805 miles
10th May 2026
More details
£28,778
£2,893 deposit over 48 months
8.9% £638.71N/A £45.26
7,805 miles
10th May 2026
More details
£28,778
£2,893 deposit over 48 months
8.9% £638.71N/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% £636.21N/A £33.91
53,787 miles
3rd May 2026
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£21,995
£2,200 deposit over 48 months
8.9% £488.44N/A £43.44
40,000 miles
3rd May 2026
More details
£22,495
£2,250 deposit over 48 months
8.9% £499.54N/A £35.53
M135i xDrive 5dr Step Auto
17th Apr 2026
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£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
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£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
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£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% £592.17N/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.

Frequently asked questions

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