Best finance dealsBMW4 Series Convertible

The best used BMW 4 Series Convertible finance deals

Use our BMW 4 Series Convertible 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 Convertible 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 4 Series Convertible?

The used BMW 4 Series Convertible car stands out as a unique proposition in the pre-owned luxury car market, blending open-air exhilaration with BMW's signature driving dynamics. It's perfect for those who crave a stylish, performance-oriented convertible that doesn't compromise on everyday usability or premium comfort. For discerning drivers looking to experience top-down motoring with a touch of sophistication and engaging performance, the 4 Series Convertible offers an enticing package.

Under the hood, models like the 430i boast a potent 2.0-liter turbocharged inline-four, delivering around 248 horsepower, capable of 0-60 mph in roughly 6 seconds. The precise steering and well-tuned suspension, often paired with BMW's xDrive all-wheel-drive system on some models, ensure confident handling and a thrilling driving experience. Inside, the cabin exudes luxury with high-quality materials, comfortable seating, and an intuitive iDrive infotainment system, often featuring navigation and smartphone integration. As a used purchase, the 4 Series Convertible represents excellent value, offering significant savings over a new model while still providing a premium ownership experience and access to advanced features. The retractable hardtop (on earlier generations) or soft-top (on newer models) transforms the car's character at the touch of a button, making it a versatile choice for all seasons.

Financing a 4 Series Convertible:

Dreaming of open-air exhilaration? The BMW 4 Series Convertible isn't just a thrill to drive; it's a smart choice for financing. Its strong residual values and enduring desirability make it an excellent candidate for Personal Contract Purchase (PCP) finance. This means lower monthly payments for you, as a significant portion of the vehicle's value is deferred to the end of the agreement.

We make financing accessible with APR rates starting from a competitive 7.9%, with a representative APR of 8.9%. What's more, our flexible terms allow us to fund models of various ages. Our advanced comparison technology works tirelessly to find the best lender and finance package tailored to your chosen BMW 4 Series Convertible. Ready to feel the sun on your face? Try a comparison today and discover how affordable your dream car can be.

BMW 4 Series Convertible finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any BMW 4 Series Convertible 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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£
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£
PCP only: how much would it cost for you to buy the vehicle at the end of your finance agreement?

Latest BMW 4 Series Convertible 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
M440i xDrive MHT 2dr Step Auto [M Sport Pro Pack]
16,162 miles
7th Feb 2026
More details
£49,500
£1 deposit over 48 months
7.9% £889.93 £18,218 £166.10
M440i xDrive MHT 2dr Step Auto [M Sport Pro Pack]
16,162 miles
7th Feb 2026
More details
£49,500
£12,375 deposit over 47 months
8.9% £615.85 £18,218 £102.32
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

Calculations based on the last 3 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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