BMW Car Finance

We give you all the information you need to know about getting a BMW on car finance.

BMW was the fourth best-selling car brand in the UK in 2022, behind only Audi, Ford and Volkswagen. Despite not having any of its models feature in the top 10 best make and model sales of 2022, you can't drive for longer than 10 seconds in the UK without seeing a BMW on the road.

Its range of vehicles is second to none, and they get regarded as a global premium car brand. BMW provides efficiency, like anything associated with Germany while oozing effortless style and smooth performance.

Whether you're after a compact, sporty model to go cruising alone, or you want something large and comfy enough for your family yet still stylish and classy, there's something to suit the needs of everyone.

Do you have a car on finance and would like to reduce your monthly repayments? Sign up with Car Credible today; we could help you save money on your deal.

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Like many other car brands, BMW is branching out its ranges to facilitate the electric revolution, with many new electric vehicles getting produced by the company, including the BMW i3 and BMW iX3 - two very different styles to accommodate both your requirements and budget.

The BMW i4 was the ninth best-selling EV in the UK last year, and BMW looks set to have another busy and productive year with its EV range, as more people are investing in electric models ahead of the ban on new petrol and diesel cars in the UK from 2030.

BMW car finance options

If you are looking to buy a BMW and already know the model you wish to buy, then you can use Car Credible's car finance calculator to help you identify your budget and repayment plan.

All you need to do to get started is know the price of the car you want to buy, how much deposit you can put down, the length of time you wish to make your repayments and the potential interest rate you want - or know - you will get offered.

Once we have those four bits of information, our car finance calculator can break down what you should expect to pay each month of your deal, the total cost to you throughout and the amount of interest you will pay.

We will then give you advice about how to get a better finance deal than the one we calculated, just by making a few adjustments to the figures you inputted at the start.

For example, we can show you how much interest you could save if you reduce the length of time you take to make your repayments. Or how much more interest you could pay if we reduced your overall monthly repayment?

If you're in the market for a new or used BMW, the first - and best - place to start is our car finance calculator, as we will give you the exact figures you should expect when applying for finance and taking out a deal.

Can I get a used BMW on car finance?

Many people love buying a used car rather than a brand new one because it's cheaper, and you can often get a used vehicle with only one previous owner and low mileage.

BMW is one of the best-selling used car brands because of its timeless style and efficient performance. When buying a used BMW, you can have confidence knowing that it's a manufacturer that goes the distance.


Whether you're after the BMW X7 SUV or the BMW Series 3 or want to go electric and opt for the BMW 330e, you can be sure that you will be driving one of the best quality cars on the road.

It's as easy to get a used car on finance as a brand-new one, and there are many more second-hand car dealers around the UK than in years gone by, so you will have multiple options when it comes to finding the perfect car for you.

Can I apply for BMW car finance even if I was rejected elsewhere?

At Car Credible, we work with many different finance companies with a panel of lenders who specialise in offering car finance to those with bad credit or who have been refused car finance elsewhere.

We understand that credit scores and credit history fluctuate, and even if you had bad credit in the past, that doesn't necessarily mean you can't make car finance repayments now.

Unfortunately, your credit history remains on your file for six years; you may have missed a mobile phone repayment years ago that still negatively impacts you today.

While we can't guarantee that you will get approved by using Car Credible, we aim to do all we can to help you find the best car finance deals to suit your needs and budget and work with you to understand your circumstance.

Why use Car Credible for BMW car finance?

Car Credible aims to make car finance simple. We appreciate that car finance can sometimes be overcomplicated, and it is difficult to know whether or not the deal you are in is good.

Not only that, but we want to make life easier and more rewarding for you, and whether you need the car to take your children to school, to get to and from work, or simply do your weekly supermarket trip, we want you to be in a car and finance deal that works for you.

We are a small business that works to help you. That's why if you choose to apply for finance via us, we will provide you with a dedicated account manager to help take you through every step of the process, all from the comfort of your home.

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How do I apply for BMW car finance?

It's easy to apply for car finance via Car Credible. All we need you to do is fill out the form that enables us to build a profile about your credit and affordability, and once you've done that, you can get your free, no-obligation quote that in no way impacts your credit score.

From here, we will assemble a panel of lenders that can offer you the best deals available, and it's a chance for you to decide which deal suits you best.

When you have decided, simply apply for finance to make your formal finance application; the rest is history. You will get allocated a dedicated account manager who can answer your questions and help you find the best deal.


Is BMW car finance easy to get?

No matter what your credit history, financing a BMW could still be possible. At Car Credible, we work with a panel of lenders, some of whom work directly with those with poorer credit. So you could be in the BMW of your dreams before you know it.

How to buy a BMW with a low budget?

You should set a budget that you are willing to spend and work towards building your savings. Keep on top of your other credit repayments to maintain your credit score and do you research to establish exactly what BMW make and model you are after.