The best used BMW 3 Series finance deals
Use our BMW 3 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 3 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%.
Why choose an BMW 3 Series?
The used BMW 3 Series stands out as a true icon in the pre-owned luxury sports saloon market, offering an unparalleled blend of driving dynamics, sophisticated design, and everyday practicality. It occupies a unique position, appealing to discerning drivers who crave an engaging driving experience without sacrificing comfort or prestige. This makes it perfect for enthusiasts, young professionals, or small families looking for a premium vehicle that delivers excitement and refinement in equal measure.
Under the bonnet, various powertrains offer exhilarating performance, from the potent 330i with its 0-60 mph sprint in around 5.5 seconds, to the M340i's blistering sub-4.5-second acceleration, all complemented by precise steering and BMW's renowned rear-wheel-drive (or xDrive all-wheel-drive) handling. Inside, the 3 Series boasts a driver-focused cockpit with high-quality materials, comfortable seating, and an intuitive iDrive infotainment system, often featuring Apple CarPlay/Android Auto and advanced driver-assistance systems. As a used purchase, the 3 Series represents exceptional value, providing access to premium German engineering and performance at a more accessible price point than new. Its robust build quality and timeless design ensure it remains a desirable and rewarding car for years to come.
The 330i hybrid has long been a favourite, but newer, fully electric versions are coming onto the market for 2026 with up to 559 miles of range and a radical new design. This leaves drivers facing the choice of BMW tradition versus the latest technology. Drive one and find out what suits you best!
Financing a 3 Series:
Financing a BMW 3 Series could be more accessible than you think, wiith strong residual values and enduring desirability, making it a smart choice for financing. What does this mean for you, especially with PCP (Personal Contract Purchase) finance? It means the future value of your car is projected to remain strong, potentially leading to lower monthly payments. We compare the best broker finance rates to main dealer rates so you can save money.
We offer competitive APR rates starting from 7.9%, with a representative APR of 8.9%. Plus, our flexible terms mean we can help finance BMW 3 Series models of various ages. Our advanced comparison technology is designed to find the best lender and deal tailored to your specific chosen vehicle. Discover how accessible your dream 3 Series can be - try a comparison today!
BMW 3 Series finance calculator
Rates from 7.9% APR.
Work out the monthly payments on any BMW 3 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
Get an instant estimate
Latest BMW 3 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 | |
|---|---|---|---|---|---|
39,496 miles 25th Sep 2026 More details | £21,995 £2,200 deposit over 48 months | 8.9% | £335.98 | £9,026.29 | £58.10 |
59,741 miles 25th Sep 2026 More details | £23,950 £2,395 deposit over 48 months | 8.9% | £387.59 | £8,611.71 | £36.91 |
48,537 miles 23rd Sep 2026 More details | £23,990 £2,399 deposit over 48 months | 8.9% | £391.83 | £8,424.63 | £36.77 |
40,849 miles 23rd Sep 2026 More details | £22,500 £2,250 deposit over 48 months | 8.9% | £355.75 | £8,558 | £58.35 |
46,411 miles 23rd Sep 2026 More details | £20,990 £2,099 deposit over 48 months | 8.9% | £327.82 | £8,211.36 | £33.02 |
320i M Sport 5dr Step Auto 11th Sep 2026 More details | £26,250 £4,000 deposit over 48 months | 8.9% | £307.03 | £14,100 | £30.41 |
320i M Sport 5dr Step Auto 6th Sep 2026 More details | £26,990 £4,000 deposit over 48 months | 8.9% | £332.27 | £13,728 | £30.81 |
320i M Sport 5dr Step Auto 6th Sep 2026 More details | £26,990 £4,000 deposit over 48 months | 8.9% | £332.27 | £13,728 | £45.37 |
320i M Sport 5dr Step Auto 6th Sep 2026 More details | £27,000 £4,000 deposit over 48 months | 8.9% | £318.69 | £14,501 | £46.21 |
320i M Sport 5dr Step Auto 6th Sep 2026 More details | £27,000 £4,000 deposit over 48 months | 8.9% | £318.69 | £14,501 | £31.41 |
320i M Sport 5dr Step Auto 5th Sep 2026 More details | £27,000 £4,000 deposit over 48 months | 8.9% | £318.72 | £14,500 | £74.07 |
320i M Sport 5dr Step Auto 5th Sep 2026 More details | £27,000 £4,000 deposit over 48 months | 8.9% | £332.50 | £13,728 | £43.95 |
M340i xDrive 4dr Step Auto 22nd Aug 2026 More details | £34,689 £8,000 deposit over 48 months | 8.9% | £416.24 | £14,227 | £37.87 |
320i M Sport 4dr Step Auto 13th Jul 2026 More details | £27,656 £5,000 deposit over 48 months | 8.9% | £310.47 | £14,478 | £58.80 |
320i M Sport 4dr Step Auto 13th Jul 2026 More details | £27,656 £5,000 deposit over 48 months | 8.9% | £310.47 | £14,478 | £33.99 |
320i M Sport 5dr Step Auto 3rd Jul 2026 More details | £29,500 £10,000 deposit over 36 months | 8.9% | £223.66 | £16,265 | £69.54 |
320i M Sport 5dr Step Auto 3rd Jul 2026 More details | £29,552 £12,500 deposit over 36 months | 8.9% | £154.79 | £15,849.85 | £38.48 |
320i M Sport 5dr Step Auto 3rd Jul 2026 More details | £29,552 £15,000 deposit over 36 months | 8.9% | £73.82 | £15,849.85 | £35.28 |
320i M Sport 5dr Step Auto 3rd Jul 2026 More details | £29,552 £10,000 deposit over 36 months | 8.9% | £235.75 | £15,849.85 | £41.69 |
320i M Sport 5dr Step Auto 3rd Jul 2026 More details | £29,552 £15,000 deposit over 36 months | 8.9% | £73.82 | £15,849.85 | £35.28 |
320i M Sport 5dr Step Auto 3rd Jul 2026 More details | £29,552 £10,000 deposit over 36 months | 8.9% | £235.75 | £15,849.85 | £41.69 |
320i M Sport 5dr Step Auto 2nd Jul 2026 More details | £31,000 £12,400 deposit over 48 months | 8.9% | £226.93 | £13,451 | £62.73 |
320i M Sport 4dr Step Auto 6th Jun 2026 More details | £27,880 £5,000 deposit over 36 months | 8.9% | £292.87 | £17,870 | £62.28 |
320i M Sport 4dr Step Auto 4th Jun 2026 More details | £27,880 £5,000 deposit over 36 months | 8.9% | £292.87 | £17,870 | £48.07 |
320i M Sport 4dr Step Auto 4th Jun 2026 More details | £27,880 £5,000 deposit over 36 months | 8.9% | £292.87 | £17,870 | £48.07 |
320i M Sport 4dr Step Auto 3rd Jun 2026 More details | £27,880 £5,000 deposit over 48 months | 8.9% | £255.53 | £17,870 | £47.94 |
2.0 318d M Sport Euro 6 (s/s) 4dr 63,292 miles 12th Apr 2026 More details | £17,965 £3,000 deposit over 48 months | 8.9% | £257.52 | £6,626 | £34.97 |
2.0 330e 12kWh M Sport Auto Euro 6 (s/s) 4dr 48,262 miles 12th Apr 2026 More details | £21,991 £4,000 deposit over 48 months | 8.9% | £309.89 | £7,950 | £52.39 |
M340d xDrive MHT 5dr Step Auto 60,860 miles 16th Mar 2026 More details | £31,890 £13,000 deposit over 24 months | 8.9% | £215.43 | £17,000 | £42.59 |
M340d xDrive MHT 5dr Step Auto 60,860 miles 16th Mar 2026 More details | £31,890 £3,827 deposit over 48 months | 8.9% | £487.16 | £12,187.67 | £35.84 |
M340i xDrive MHT 4dr Step Auto 10th Mar 2026 More details | £34,995 £3,500 deposit over 48 months | 8.9% | £546.33 | £13,702.50 | £55.05 |
M340i xDrive MHT 4dr Step Auto 9th Mar 2026 More details | £34,995 £3,500 deposit over 48 months | 8.9% | £546.33 | £13,702.50 | £55.05 |
320i M Sport 4dr Step Auto 27th Jan 2026 More details | £20,950 £4,500 deposit over 48 months | 8.9% | £260.86 | £8,528 | £30.14 |
320i M Sport 4dr Step Auto 27th Jan 2026 More details | £20,950 £3,500 deposit over 48 months | 8.9% | £285.97 | £8,528 | £31.44 |
320i M Sport 4dr Step Auto 27th Jan 2026 More details | £19,950 £3,500 deposit over 48 months | 8.9% | £260.86 | £8,528 | £30.14 |
320i M Sport 5dr Step Auto 19th Jan 2026 More details | £35,750 £10,000 deposit over 48 months | 8.9% | £349.46 | £16,646 | £83.60 |
320i M Sport 5dr Step Auto 19th Jan 2026 More details | £35,750 £10,000 deposit over 48 months | 8.9% | £468.16 | £10,000 | £72.72 |
320i M Sport 5dr Step Auto 16th Jan 2026 More details | £35,750 £10,000 deposit over 48 months | 8.9% | £349.43 | £16,648 | £83.59 |
M340d xDrive MHT 5dr Step Auto 12th Jan 2026 More details | £33,000 £5,000 deposit over 48 months | 8.9% | £474.39 | £12,815.74 | £82.24 |
M340i xDrive MHT 4dr Step Auto 21,936 miles 7th Jan 2026 More details | £40,499 £4,050 deposit over 49 months | 8.9% | £581.82 | £18,229 | £66.14 |
2.0 320d M Sport Touring Auto xDrive Euro 6 (s/s) 5dr 71,660 miles 28th Dec 2025 More details | £18,595 £1,860 deposit over 36 months | 8.9% | £291.22 | £10,000 | £52.89 |
2.0 320d M Sport Touring Auto xDrive Euro 6 (s/s) 5dr 71,660 miles 28th Dec 2025 More details | £18,595 £1,860 deposit over 48 months | 8.9% | £412.93 | N/A | £36.54 |
Calculations based on the last 42 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
Need to know more about financing your next used BMW?
BMW PCP and HP Finance for all UK models
Save up to 30% on dealer finance
