BMW PCP Calculator
Calculate your BMW PCP monthly payments for 3 Series, 5 Series, X3, X5 and more. Get instant quotes with our free BMW finance calculator.
Used by 5000+ users
Free to use • No registration required • Instant results
BMW PCP Calculator
Final payment: £20250.00 (45%)
Your BMW PCP Finance Results
Amount to be financed
£38,250.00
Estimated monthly payment
£546.64
Term
48 months
Final payment at end
£20,250.00 (45%)
Total Amount Paid
£53,238.49
Total interest
£8,238.49
About BMW PCP Finance
BMW PCP (Personal Contract Purchase) is one of the most popular ways to finance a BMW.It offers flexible monthly payments and the option to own your BMW at the end of the agreement.
BMW Financial Services provides competitive PCP rates, typically ranging from 4.9% to 9.9% APR. Popular BMW models on PCP include the 3 Series, 5 Series, X3, X5, and electric models like the i3 and iX.
With BMW PCP, you can drive the Ultimate Driving Machine with lower monthly payments than traditional hire purchase, and you have the flexibility to upgrade to a newer BMW model at the end of your agreement.
BMW PCP FAQs
What is BMW PCP finance?
BMW PCP (Personal Contract Purchase) is a flexible financing option that allows you to drive a BMW with lower monthly payments. You pay a deposit, make monthly payments, and can choose to buy the car, return it, or trade it in at the end of the agreement.
What BMW models are available on PCP?
Most BMW models are available on PCP including the 1 Series, 2 Series, 3 Series, 4 Series, 5 Series, 7 Series, X1, X3, X5, X7, and electric models like the i3, i4, and iX. BMW M Performance and M models are also available on PCP.
What is the typical APR for BMW PCP?
BMW PCP APR rates typically range from 4.9% to 9.9% depending on the model, your credit profile, and current promotional offers. BMW often runs special finance deals with reduced APRs on selected models.
How much deposit do I need for BMW PCP?
BMW PCP typically requires a minimum deposit of 10-20% of the car's value, though you can put down more to reduce monthly payments. For a £40,000 BMW, you'd typically need a £4,000-£8,000 deposit.
Can I get BMW PCP with bad credit?
BMW PCP is available to customers with various credit profiles, though those with excellent credit will get the best rates. BMW Financial Services will assess your application and may offer alternative terms if needed.
What happens at the end of BMW PCP?
At the end of your BMW PCP agreement, you have three options: 1) Pay the final balloon payment to own the car, 2) Return the car to BMW (subject to fair wear and tear), or 3) Use any equity as a deposit for a new BMW.
Are there mileage restrictions on BMW PCP?
Yes, BMW PCP agreements include an annual mileage limit (typically 8,000-15,000 miles). If you exceed this limit, you'll pay an excess mileage charge (usually 5-10p per mile) when you return the car.
Can I modify my BMW on PCP?
BMW PCP agreements generally don't allow significant modifications as they affect the car's value. Minor cosmetic changes may be acceptable, but you should check with BMW Financial Services before making any modifications.
Related BMW Tools
BMW MOT Check
Check your MOT status, see its expiry date, days remaining and previous failure
BMW Road Tax Check
Check your road tax status, expiry date and remaining days
BMW ULEZ Check
Check your ULEZ compliance status and daily charges
BMW HP Calculator
Calculate your HP finance payments and total cost