The best used BMW 4 Series finance deals
Use our BMW 4 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 4 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 4 Series?
The BMW 4 Series car is a fantastic choice if you're looking for a luxury used car. This car combines sportiness with elegance, and it's perfect for anyone who wants a thrilling driving experience without sacrificing comfort or style.
Performance: Under the bonnet, you'll find a range of powerful engines, from the efficient 420i to the potent 440i, capable of 0-60 mph in as little as 4.8 seconds. The 4 Series boasts exceptional handling thanks to its precise steering and balanced chassis, often paired with BMW's xDrive all-wheel-drive system for superior traction in all conditions.
Luxury/Comfort/Technology: Step inside, and you're greeted with a premium cabin featuring high-quality materials, supportive seats, and BMW's iDrive infotainment system, often with navigation and a Harman Kardon sound system for an immersive audio experience.
Value: As a used purchase, the 4 Series offers remarkable value, providing access to luxury and performance at a significantly reduced price compared to new, with many models still covered by BMW's robust engineering.
Other Standout Features: Its sleek coupe or practical Gran Coupe body styles offer versatility, while advanced driver-assistance systems like adaptive cruise control and parking assistant elevate both safety and convenience.
Here's an image of a BMW 4 series: `
Financing a 4 Series:
Financing a BMW 4 Series makes smart financial sense. This sought-after model boasts strong residual values, meaning it holds its value well over time. This is a significant advantage for PCP (Personal Contract Purchase) finance customers, as it often translates to lower monthly payments and greater equity at the end of the agreement.
We make financing accessible with APR rates starting from a competitive 7.9% and a representative APR of 8.9%. Our flexible terms allow us to fund 4 Series models of various ages. Our advanced comparison technology works tirelessly to find the best lender and finance package tailored to your chosen vehicle. Discover how affordable a BMW 4 Series can be – try a comparison today!
Here's a visual of the BMW 4 Series:
BMW 4 Series finance calculator
Rates from 7.9% APR.
Work out the monthly payments on any BMW 4 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 4 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 | |
|---|---|---|---|---|---|
420i M Sport 5dr Step Auto 29th Sep 2026 More details | £26,975 £3,000 deposit over 48 months | 8.9% | £591.58 | N/A | £52.63 |
420d MHT M Sport 2dr Step Auto 7th Aug 2026 More details | £26,995 £5,000 deposit over 60 months | 8.9% | £322.04 | £10,000 | £39.17 |
420d MHT M Sport 2dr Step Auto 7th Aug 2026 More details | £26,995 £5,000 deposit over 60 months | 8.9% | £349.24 | £8,000 | £37.26 |
420d MHT M Sport 2dr Step Auto 7th Aug 2026 More details | £26,995 £5,000 deposit over 60 months | 8.9% | £376.43 | £6,000 | £35.33 |
420d MHT M Sport 2dr Step Auto 4th Aug 2026 More details | £25,313 £3,000 deposit over 60 months | 8.9% | £328.67 | £10,000 | £39.60 |
420d MHT M Sport 2dr Step Auto 4th Aug 2026 More details | £25,313 £3,000 deposit over 60 months | 8.9% | £355.86 | £8,000 | £37.68 |
420d MHT M Sport 2dr Step Auto 4th Aug 2026 More details | £26,995 £3,000 deposit over 60 months | 8.9% | £363.69 | £10,000 | £41.87 |
420d MHT M Sport 2dr Step Auto 4th Aug 2026 More details | £26,995 £3,000 deposit over 60 months | 8.9% | £411.07 | £6,514.84 | £38.52 |
M440i xDrive MHT 5dr Step Auto 21st May 2026 More details | £50,499 £5,000 deposit over 48 months | 7.9% | £677.31 | £24,473.69 | £56.58 |
2.0 420i M Sport Auto Euro 6 (s/s) 2dr 30,552 miles 12th Apr 2026 More details | £24,990 £4,000 deposit over 48 months | 8.9% | £316.36 | £11,805 | £52.36 |
M440i xDrive Coupe 19,752 miles 13th Feb 2026 More details | £37,999 £3,000 deposit over 48 months | 8.9% | £602.49 | £15,485.45 | £61.46 |
M440i xDrive Coupe 19,752 miles 13th Feb 2026 More details | £37,999 £5,700 deposit over 48 months | 8.9% | £534.66 | £15,485.45 | £57.91 |
M440i xDrive Coupe 19,752 miles 13th Feb 2026 More details | £37,999 £5,700 deposit over 60 months | 8.9% | £462.03 | £15,485.45 | £58.28 |
3.0 M440i MHT Auto xDrive Euro 6 (s/s) 2dr 5,633 miles 28th Nov 2025 More details | £52,493 £12,500 deposit over 48 months | 8.9% | £594.73 | £22,942 | £75.52 |
5,633 miles 28th Nov 2025 More details | £52,493 £12,500 deposit over 48 months | 8.9% | £594.73 | £22,941.60 | £75.52 |
5,633 miles 28th Nov 2025 More details | £52,493 £10,000 deposit over 48 months | 8.9% | £657.52 | £22,941.60 | £78.78 |
5,633 miles 28th Nov 2025 More details | £52,493 £5,250 deposit over 48 months | 8.9% | £776.86 | £22,941.60 | £66.48 |
420i M Sport 2dr Step Auto [Tech/Pro Pack] 45,650 miles 26th Nov 2025 More details | £28,000 £7,000 deposit over 47 months | 8.9% | £361.15 | £9,606 | £37.31 |
M440d xDrive MHT 2dr Step Auto 49,592 miles 25th Nov 2025 More details | £31,740 £6,348 deposit over 48 months | 8.9% | £399.88 | £13,320 | £56.46 |
420i M Sport 2dr Step Auto Petrol Coupe 15,067 miles 25th Nov 2025 More details | £29,184 £5,713 deposit over 48 months | 8.9% | £349.30 | £13,450 | £44.28 |
420i M Sport 2dr Step Auto Petrol Coupe 15,067 miles 25th Nov 2025 More details | £29,184 £29,700 deposit over 48 months | 2% | £50.00 | £13,450 | £343.58 |
Calculations based on the last 21 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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