Rates from 9.9%: the rate you will be offered will be based on your circumstances. Representative APR 22.4%.

Representative example: borrowing £7,000 over 5 years with a representative APR of 22.4%, the annual interest rate of 22.4% (Fixed) and a deposit of £0.00, the monthly installment would be £194.93, with a total cost of credit of £4,695.66 and a total amount payable of £11,695.66.

Rates may differ as they are dependent on individual circumstances. Automotive Online Ltd is an authorised credit broker, not a lender and may receive commission for introductions.

Finding the Perfect BMW Finance Plan

The BMW is one of Britain's most popular cars, and we know that many drivers out there are searching for the best new or used BMW finance deals. If you are looking into getting a BMW 1 series, or even a 2 or 3 series, on finance, then we can help you do just that in the fastest time possible. We can help you secure financing for your BMW irrespective of your current credit rating. While having poor credit can make it difficult to have your BMW finance loan approved, we have a number of lenders who specialise in bad credit.

How to Find the BMW Finance Oer that’s Right For You

The first step is to select the BMW you would like to finance - you can either choose from your preferred dealer or search using our customer portal. Just apply for your financing and then login to choose from the 150,000 options available. Please note that Quick Car Finance will not finance your BMW; we act as a credit broker, putting you in contact with a panel of lenders who will work with you to find the best BMW finance deal available.

Managing Your Payments

If you feel like you might not be able to make the initial payment, then it is possible to obtain a BMW on finance with no deposit. If you choose a 0% deposit car finance loan, your payment plan will usually stretch over 3-4 years. If you are unsure about the amount of money you will need to pay each month for your BMW, our car finance calculator will work it out for you.

Please take some time to ensure you fully understand the APR that is offered, as this will affect your monthly and total payments. For example, borrowing £7,000 over 5 years with a representative APR of 22.4%, the annual interest rate of 22.4% (Fixed) and a deposit of £0.00, the monthly installment would be £194.93, with a total cost of credit of £4,695.66 and a total amount payable of £11,695.66. This is only representative; your APR will be as low as possible based on your individual circumstances.

Apply for Your BMW Car Loan Today

Apply now to see our extensive range of BMW models on our customer portal, and get approved for your dream car in no time! Your online application only takes a few minutes to complete and we only ask you for information we actually need. The first search will not affect your credit score.

To get a quote from us, we run what's called a soft credit search.

A soft credit check is a preliminary credit check which is usually undertaken to understand if you’re eligible for certain products with lenders.

This type of credit search doesn't affect your credit score and is also not shared with potential lenders, just the broker, us at Quick Car Finance.

The only time your credit score and history is shared with a lender will be when you choose to purchase a product and the lender you've chosen to purchase from will then conduct a full/hard credit check.

The documents you need can vary from lender to lender. But there are a few bits of paperwork that most car financing companies will want to see.

All lenders will want you to be able to prove that any personal details you’ve supplied are accurate. Expect to be asked to provide a photo of your driving licence or passport. To make sure you can afford the payments, the lender may also need to see payslips or other proof of income.

Quick Car Finance will recommend the right lender for you, from its panel, then let you know exactly what’s required by them!

Hire purchase is a way to finance buying a new or used car. You (usually) pay a deposit and pay off the value of the car in monthly instalments, with the loan secured against the car. This means you don’t own the vehicle until the last payment is made.

Hire purchase offers flexible repayment terms (from one to five years) to help fit in with your monthly budget with relatively low deposits required (normally 10% of the car’s price).

Also, if your credit score isn’t that high, it may be easier to get a hire purchase than an unsecured loan as the car is used as collateral for the loan.

Yes, we offer car finance for poor credit histories and you can have peace of mind that you will get the best rate possible based on your credit status and affordability.

With different finance options available and a large panel of lenders, we are confident that we can find the best quotes for you.

Also, taking out car finance, or any other type of credit arrangement, and meeting all payment obligations, could also help you repair your credit report. If you make all your repayments on time, you’ll demonstrate that you’re capable of being responsible with money.

Annual percentage rate (APR) is the total charge for borrowing, including any fees and charges for that lending. Exact APR is the rate you'll be offered by the lender after your information has been checked. So, the price you will see is exactly what you’ll be paying, with no hidden extras.

You are able to choose a vehicle from any reputable UK dealership, we have numerous dealers that we have worked with in the past that have passed our risk criteria. We put a lot of effort into our dealer checks to protect you from any problems down the line!