BMW 3 Series Finance - 12.9% APR

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Choosing BMW 3 series finance is a smart way to get behind the wheel of one of the world's most popular premium saloons. Instead of paying the full price upfront, financing allows you to spread the cost into manageable monthly payments. This makes it much easier for business professionals and families to drive a high-quality car without a large hit to their savings.

At GMZ Motors, located just a few miles from Newcastle City Centre, we specialise in helping drivers find the right deal. Whether you are looking for a trendy family car or a sleek executive vehicle, our team is here to guide you through the process.

What Are My BMW 3 Series Finance Options?

We offer several ways to fund your next car, each designed to suit different budgets and needs. The main options you will find at our Newcastle showroom include:

• Personal Contract Purchase (PCP): Great for flexibility and lower monthly costs.
• Hire Purchase (HP): Ideal if you want to own the car fully at the end of the agreement.
• Conditional Sale (CS): A straightforward way to pay for a car in equal installments.

BMW 3 Series PCP Deals Explained

If you want the latest model with lower monthly outgoings, BMW 3 Series PCP is often the top choice. With a PCP agreement, you aren't paying for the whole car; you are essentially paying for its depreciation over the time you drive it. This usually results in more affordable payments compared to other types of loans.

When you look at BMW 3 Series PCP deals, the agreement is split into three parts. First is your deposit, followed by your monthly payments. The final part is a "balloon payment" based on what the car will be worth at the end of the term.

Once your BMW 3 Series PCP term finishes, you have three simple choices:

• Pay the balloon payment to keep the car forever.
• Hand the keys back and walk away (as long as the car is in good condition).
• Use any "equity" left in the car as a deposit for your next vehicle.

BMW 3 Series Finance Deals at GMZ Motors

We pride ourselves on offering competitive BMW 3 Series finance deals to drivers across the North East and beyond. Our stock of over 70 vehicles often features premium German models, ensuring you get a car that looks and drives like new. To make things even easier, you can reserve your car online for just £100.

Choosing GMZ Motors for your BMW 3 Series finance comes with plenty of added peace of mind:

• Standard Warranty: Every car includes a warranty (1 to 12 months depending on the model).
• Breakdown Cover: Enjoy 12 months of free AA breakdown cover.
• Low Deposit: We offer £0 deposit finance options for those who prefer not to pay a lump sum upfront.
• Nationwide Delivery: We deliver across the UK, with the first 25 miles free of charge.

If you have a current vehicle, our part-exchange service can help lower your monthly costs even further by using your old car as a deposit.

Am I Eligible for BMW 3 Series Finance?

Checking if you can get car finance on a BMW 3 Series is a quick and simple process. We work with a wide range of lenders, which means we can help many different types of buyers. Whether you have an excellent credit score or have faced some challenges in the past, we will do our best to find a plan that works for you.

To apply for BMW 3 Series finance, you generally need to be a UK resident and have a steady income. We also welcome applications from self-employed individuals. While we cannot guarantee every application will be accepted, our team is highly rated on Auto Trader for customer service and will treat your application with care and professionalism.

Ready to see your options? You can start by visiting our finance page to use our finance form and see what fits your budget.

BMW 3 Series Finance FAQs