The best used BMW M4 finance deals
Use our BMW M4 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 M4 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 M4?
The used BMW M4 car is a standout in the used car market, offering a unique blend of high-performance driving dynamics and everyday usability. It carves a niche for itself as a compelling choice for enthusiasts who crave an exhilarating driving experience without sacrificing practicality. This particular model is perfect for those who appreciate precision engineering, a powerful engine, and a luxurious interior, all wrapped in a sleek, sporty coupe or convertible body.
Under the hood, the M4 boasts a potent S55 twin-turbocharged 3.0-liter inline-six engine, delivering impressive acceleration that can launch it from 0-60 mph in around 3.9 seconds. Its rear-wheel-drive platform, combined with an adaptive M suspension and M differential, provides exceptional handling and a thrilling, communicative driving experience. Inside, the M4 offers a premium cabin with high-quality materials, supportive M sport seats, and advanced technology like BMW's iDrive infotainment system, often featuring navigation and a Harman Kardon sound system for an immersive audio experience. As a used purchase, the M4 represents excellent value, as depreciation has made this high-performance machine more accessible, allowing buyers to enjoy top-tier engineering and a prestigious badge at a more attractive price point. Its aggressive styling, including the signature kidney grille and quad exhaust tips, further solidifies its position as a head-turning performance icon.
Financing a M4:
Financing a BMW M4 can be a surprisingly smart move, and here's why. The M4 boasts strong residual values and high desirability, 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 a smaller final balloon payment.
We make financing your dream M4 accessible, with APR rates starting from a competitive 7.9% and a representative APR of 8.9%. Our flexible terms mean we can fund a wide range of M4 models, regardless of their age. Thanks to our advanced comparison technology, we can quickly identify the best lender and finance package tailored to your specific chosen vehicle. Why not try a comparison today and see how affordable an M4 could be?
BMW M4 finance calculator
Rates from 7.9% APR.
Work out the monthly payments on any BMW M4 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 M4 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 | |
|---|---|---|---|---|---|
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 35,000 miles 29th Aug 2026 More details | £44,689 £4,469 deposit over 48 months | 8.1% | £615.24 | £21,000 | £59.43 |
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 35,000 miles 29th Aug 2026 More details | £44,689 £4,469 deposit over 48 months | 8.1% | £635.75 | £19,868.98 | £58.48 |
M4 xDrive 530 Competition M 2dr Step Auto 7th Jun 2026 More details | £61,500 £10,000 deposit over 36 months | 7.9% | £1,605.01 | N/A | £132.37 |
Competition 26,300 miles 29th May 2026 More details | £35,000 £3,500 deposit over 48 months | 8.9% | £777.25 | N/A | £61.96 |
Competition 77,536 miles 5th May 2026 More details | £38,495 £3,850 deposit over 48 months | 8.9% | £854.86 | N/A | £53.13 |
Competition 39,400 miles 24th Apr 2026 More details | £36,999 £3,700 deposit over 36 months | 8.9% | £576.87 | £20,000 | £84.62 |
Competition 39,400 miles 24th Apr 2026 More details | £36,999 £3,700 deposit over 48 months | 8.9% | £821.64 | N/A | £58.56 |
Competition 39,400 miles 24th Apr 2026 More details | £36,999 £3,700 deposit over 48 months | 8.9% | £821.64 | N/A | £58.56 |
Competition 6,400 miles 22nd Apr 2026 More details | £69,989 £6,999 deposit over 48 months | 7.9% | £1,526.79 | N/A | £82.64 |
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 26,593 miles 20th Mar 2026 More details | £52,995 £20,000 deposit over 36 months | 8.9% | £426.94 | £25,586.03 | £114.40 |
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 26,593 miles 20th Mar 2026 More details | £52,995 £25,000 deposit over 36 months | 8.9% | £265.04 | £25,586.03 | £103.66 |
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 26,593 miles 20th Mar 2026 More details | £52,995 £23,000 deposit over 36 months | 8.9% | £329.79 | £25,586.03 | £107.96 |
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 26,593 miles 20th Mar 2026 More details | £52,995 £25,000 deposit over 36 months | 8.9% | £265.04 | £25,586.03 | £103.66 |
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 26,593 miles 20th Mar 2026 More details | £52,995 £20,000 deposit over 36 months | 8.9% | £426.94 | £25,586.03 | £114.40 |
M4 Competition 2dr Step Auto 15th Mar 2026 More details | £44,500 £0 deposit over 48 months | 7.9% | £744.57 | £19,424.77 | £155.41 |
3.0 BiTurbo Competition Steptronic Euro 6 (s/s) 2dr 50,598 miles 12th Feb 2026 More details | £43,989 £8,000 deposit over 48 months | 8.9% | £575.64 | £18,380 | £87.32 |
3.0 BiTurbo Competition Steptronic M xDrive Euro 6 (s/s) 2dr 64,000 miles 12th Feb 2026 More details | £41,995 £1,500 deposit over 48 months | 7.9% | £689.68 | £17,011 | £93.77 |
Competition 71,603 miles 2nd Feb 2026 More details | £27,219 £2,722 deposit over 48 months | 8.9% | £603.49 | £658.24 | £54.75 |
68,600 miles 1st Feb 2026 More details | £24,100 £2,410 deposit over 48 months | 8.9% | £534.17 | £592.32 | £58.15 |
xDrive Competition M 2dr Step Auto 15,424 miles 10th Dec 2025 More details | £57,000 £10,000 deposit over 48 months | 8.9% | £754.46 | £23,853 | £141.93 |
xDrive Competition M 2dr Step Auto 15,424 miles 10th Dec 2025 More details | £57,000 £14,250 deposit over 47 months | 8.9% | £656.48 | £23,853 | £104.74 |
M4 xDrive Competition M 2dr Step Auto 15,424 miles 10th Dec 2025 More details | £57,000 £14,250 deposit over 47 months | 8.9% | £656.48 | £23,853 | £104.74 |
M4 xDrive Competition M 2dr Step Auto 22,068 miles 9th Dec 2025 More details | £59,000 £14,750 deposit over 47 months | 8.9% | £680.95 | £24,613 | £108.90 |
M4 Competition 2dr Step Auto 12,184 miles 9th Dec 2025 More details | £54,750 £13,688 deposit over 47 months | 8.9% | £638.29 | £22,489 | £98.97 |
M4 Competition 2dr Step Auto 11,837 miles 27th Nov 2025 More details | £58,898 £249 deposit over 48 months | 8.9% | £977.02 | £27,775 | £35.08 |
Calculations based on the last 25 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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