2022 BMW X3 finance comparison
Here's a comparison quote for a 2022 BMW X3 - xDrive M40i MHT 5dr Auto. This comparison was created on 4/26/2026. Ready to see what you could save on your next BMW? Simply add a vehicle by reg, make/model or by entering the URL for the listing from the dealer's website and we'll do the rest.

www.sytner.co.uk
Price
£40,000
£40,000
Deposit
£10,000
£10,000
Balance
£30,000
£30,000
Term
47 months
47 months
Rep. APR Representative APR
8.9%
13.9%
Monthly payment
£498.26
£580.88
GFV Guaranteed final value
£14,688*
£14,688
Monthly savings
£83
N/A
Interest savings
£3,884
N/A
Our assumptions
To provide our comparisons, we make the following assumptions:
1
You have a good credit rating and will qualify for the provider's best available rate.2
The vehicle you have chosen is from a dealer who is FCA authorised.3
If the example is for a personal contract plan (PCP), that the GFV (guaranteed future value) is the same. If the lender is different from the dealer's lender, the GFV could be higher or lower, which will affect your monthly payments.4
That the deposit is the same. You can change the deposit using the edit button)5
For Lease Purchase you will need to request a quote from one of partners by submitting an application.BMW X3 finance calculator
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About this 2022 BMW X3
xDrive M40i MHT 5dr Auto
Price
£40,000
Year
2022
Mileage
42,514 miles
Body type
Estate
Fuel type
Petrol
Engine
3.0L
Gearbox
Automatic
Doors
5
Seats
5
Emission class
EURO 6
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More BMW X3 quotes
More finance comparison examples for the BMW X3.
| Price | Rep. APR | Monthly payment | GFV or Final payment | Monthly saving | |
|---|---|---|---|---|---|
xDrive20i MHT M Sport 5dr Step Auto 13th Sep 2026 More details | £34,790 £2,000 deposit over 36 months | 9.4% | £708.11 | £14,493 | £47.65 |
2.0 20d MHT M Sport Auto xDrive Euro 6 (s/s) 5dr 30,335 miles 9th Sep 2026 More details | £33,695 £3,370 deposit over 48 months | 9.4% | £500.78 | £15,122.92 | £45.74 |
2.0 30e 12kWh M Sport Auto xDrive Euro 6 (s/s) 5dr 12,265 miles 7th Sep 2026 More details | £35,488 £3,569 deposit over 48 months | 9.4% | £553.53 | £14,423.50 | £39.04 |
xDrive20d M Sport 5dr Step Auto 23rd Jul 2026 More details | £20,000 £4,000 deposit over 60 months | 8.9% | £265.19 | £5,000 | £44.64 |
xDrive20d M Sport 5dr Step Auto 23rd Jul 2026 More details | £20,000 £4,000 deposit over 60 months | 8.9% | £328.69 | N/A | £36.79 |
xDrive20d MHT xLine 5dr Step Auto 26th Apr 2026 More details | £34,650 £4,000 deposit over 48 months | 8.9% | £489.82 | £15,677.15 | £37.41 |
xDrive M40d 5dr Step Auto 28th Dec 2025 More details | £26,980 £10,000 deposit over 24 months | 8.9% | £209.65 | £14,880 | £50.22 |
xDrive M40d 5dr Step Auto 28th Dec 2025 More details | £26,980 £10,000 deposit over 36 months | 8.9% | £224.66 | £12,970 | £46.99 |
xDrive M40d 5dr Step Auto 28th Dec 2025 More details | £29,099 £10,000 deposit over 36 months | 8.9% | £264.00 | £14,138 | £39.31 |
2.0 20d MHT M Sport Auto xDrive Euro 6 (s/s) 5dr 24,434 miles 19th Dec 2025 More details | £33,550 £1,500 deposit over 48 months | 8.9% | £525.68 | £15,637.96 | £95.77 |
Calculations based on the last 10 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.



