• Coins Icon
    Zero Deposits
  • Sale Tag Icon
    Affordable Finance Deals
  • Trustpilot
    4.9 out of 5 on Trustpilot
  • People Icon
    Reputable Dealerships
  • Home Icon
    Home Delivery Available

Affordable Used BMW 3 Series for sale on Finance in Luton

Find and finance your next BMW 3 Series in and around Luton with ChooseMyCar

Reviews 3640 • Excellent

ChooseMyCar operates as a credit broker, not a lender. We offer a variety of car finance options to suit different needs, including popular choices like Hire Purchase (HP) and Personal Contract Purchase (PCP), as well as specialised services. Our goal is straightforward: to make car financing easy and accessible for everyone. Interest rates start from 9.9% APR. For example, if you borrow £7,000 over 60 months with a REPRESENTATIVE APR of 19.9% and no deposit, the monthly payment would be £184. The total cost would be £4,040, making the total amount payable £11,040.

BMW 3 Series for Sale on Finance

BMW 3 Series

BMW 3 Series
2.0 320d M Sport Saloon 4dr Diesel Auto Euro 6 (s/

2019 | Automatic | 58,600 miles | Diesel

Finance From
£329/month
Cash Price
£19,750
BMW 3 Series

BMW 3 Series
2.0 320i M Sport GT 5dr Petrol Auto Euro 6 (s/s) (

2015 | Automatic | 81,899 miles | Petrol

Finance From
£220/month
Cash Price
£10,499
BMW 3 Series

BMW 3 Series
2.0 320d M Sport Saloon 4dr Diesel Auto Euro 6 (s/

2019 | Automatic | 64,227 miles | Diesel

Finance From
£366/month
Cash Price
£21,995
BMW 3 Series

BMW 3 Series
2.0 318d M Sport Touring 5dr Diesel Auto Euro 6 (s

2017 | Automatic | 58,435 miles | Diesel

Finance From
£304/month
Cash Price
£14,495
BMW 3 Series

BMW 3 Series
M3 3.0 M340i MHT Auto xDrive Euro 6 (s/s) 4dr

2022 | Automatic | 33,000 miles | Unlisted

Finance From
£715/month
Cash Price
£42,995
BMW 3 Series

BMW 3 Series
M3 3.0 M340d MHT Auto xDrive Euro 6 (s/s) 4dr

2020 | Automatic | 24,200 miles | Unlisted

Finance From
£574/month
Cash Price
£34,495
BMW 3 Series

BMW 3 Series
M3 3.0 M340i Saloon 4dr Petrol Auto xDrive Euro 6 (s/

2019 | Automatic | 38,300 miles | Petrol

Finance From
£564/month
Cash Price
£33,890
BMW 3 Series

BMW 3 Series
2.0 330e 12kWh M Sport Saloon 4dr Petrol Plug-in H

2019 | Automatic | 80,000 miles | Unlisted

Finance From
£257/month
Cash Price
£15,450
BMW 3 Series

BMW 3 Series
2.0 320i Se Saloon 4dr Petrol Auto Euro 6 (s/s) (184 Ps)

2017 | Automatic | 25,000 miles | Petrol

Finance From
£272/month
Cash Price
£12,990
BMW 3 Series

BMW 3 Series
2.0 330e 12kWh M Sport Auto Euro 6 (s/s) 4dr

2020 | Automatic | 96,000 miles | Unlisted

Finance From
£249/month
Cash Price
£14,980
BMW 3 Series

BMW 3 Series
2.0 330e 12kWh M Sport Saloon 4dr Petrol Plug-in H

2021 | Automatic | 49,350 miles | Unlisted

Finance From
£366/month
Cash Price
£22,000
BMW 3 Series

BMW 3 Series
2.0 330e 7.6kWh M Sport Shadow Edition Saloon 4dr

2018 | Automatic | 34,150 miles | Unlisted

Finance From
£345/month
Cash Price
£16,450
BMW 3 Series

BMW 3 Series
2.0 320i M Sport Saloon 4dr Petrol Auto Euro 6 (s/

2019 | Automatic | 81,000 miles | Petrol

Finance From
£291/month
Cash Price
£17,485
BMW 3 Series

BMW 3 Series
2.0 320i SE Saloon 4dr Petrol Auto Euro 6 (s/s) (1

2017 | Automatic | 25,000 miles | Petrol

Finance From
£272/month
Cash Price
£12,990
BMW 3 Series

BMW 3 Series
2.0 330e 12kWh Sport Pro Auto Euro 6 (s/s) 4dr

2020 | Unlisted | 85,319 miles | Unlisted

Finance From
£279/month
Cash Price
£16,790
BMW 3 Series

BMW 3 Series
3.0 335d M Sport Auto xDrive Euro 6 (s/s) 4dr

2015 | Unlisted | 88,247 miles | Diesel

Finance From
£264/month
Cash Price
£12,584

Browse other BMW models in Luton

Bad Credit BMW 3 Series deals in Luton

Get approved for BMW 3 Series finance in Luton, even with poor credit history. Our specialist lenders understand your circumstances, offering flexible solutions to make your dream BMW 3 Series achievable.

With dedicated account managers and access to multiple finance partners, we help secure competitive rates regardless of your credit score.

Zero Deposit BMW 3 Series deals in Luton

Drive a quality used BMW 3 Series in Luton with no deposit needed. Choose from our extensive range of pre-owned BMW 3 Series models and start driving without upfront costs. Our specialist lenders offer flexible monthly payments on used BMW 3 Series vehicles, making your car ownership journey start sooner.

Why trust ChooseMyCar BMW 3 Series in Luton?

We make car ownership effortless with zero deposit options and competitive finance rates that fit your budget. Our outstanding 4.9/5 Trustpilot rating demonstrates our commitment to customer satisfaction, while our partnerships with reputable dealerships ensure you get a quality BMW every time. Plus, with convenient home delivery available across Luton, getting your perfect BMW 3 Series has never been simpler or more affordable.

Learn more about the BMW 3 Series

Compact without being cramped: luxury without being over the top. The 3 Series is the standard for small executive saloons to aspire to and a car that earns the title “The Ultimate Driving Machine” – and then some.

The iconic BMW 3 Series has dominated the saloon market for more than 40 years. Stacked with all the latest technology and available as an estate or with the famed M badge, the 3 Series is the distilled essence of BMW.

Which is a fancy way of saying it’s a fantastic driving machine. Powerful engines, rear wheel drive and almost perfect weight distribution give the 3 series a tonne of character. Add in a superb driving position and you feel like you’re at the heart of the machine and able to take on anything.

The 3 Series features a sublime range of diesel and petrol engines. The petrol engines offer plenty of grunt for hoofing out of corners without glugging fuel. The diesels provide excellent economy without rattling or discomfort. The 3 Series also offers a hybrid option that borrows technology from BMW’s electric range.

The 3 Series isn’t, however, a sports car: it’s a family saloon. You get a great driving machine that’s just as good at moving people and possessions.

Rear seat space is surprisingly large, even if headroom is a bit tighter for taller adults. The boot is pretty big too.

Comfort is excellent as well, with fantastic seating front and rear, along with a wealth of leather, leather-effect vegan plastics and aluminium dotted about the place. It’s
premium without being gaudy.

For a day to day cruiser you can sling through the back roads, the 3 Series is pretty much unbeatable.

Read more...

At Glance BMW 3 Series Review

  • Chassis
  • Performance
  • Interior
  • Practicality
  • Overall Rating

The 3 Series comes in three spec levels: SE, Sport, and M-Sport. Each spec comes with adaptive LED headlights, live cockpit including sat-nav, and cruise control. 17-inch alloys and parking assistant with a rearview camera are also standard.

The Sport offers 18-inch alloys, heated sports seats, and leather upholstery. The M- Sport comes with ‘M’ aerodynamics body styling, a BMW personal assistant and sports suspension.

The M340i xDrive offers additional top-level performance with four-wheel drive and an automatic transmission. It features adaptive suspension, a sports differential, and lower ride height.

SE

It might be the base spec but the SE trim still comes with plenty of toys. Auto headlights and wipers are present and correct, as is BMW’s excellent iDrive system. Six air bags keep you safe and 17 inch alloys keep you looking swish.

Sport

Sport trim gives you more… Um,… trim. Yes, the improvements are mostly cosmetic, as standard, but you can add a shopping list of options so take a good look at the toys the first owner added to get a good idea what you’re getting.

M-Sport

The legendary M badge means one thing and one thing only: this is the fun one. Tuned to within an inch of its life, the M-Sport version is the one to go for if you’re a fan of back road fun. Bigger engines, better suspension and a tonne of little tweaks mean the the M-Sport gets you going fast, keeps you flat in the corners and gives you plenty of feedback through the steering column.

As compact executive saloons go, there are few that can hold a candle to the 3 series. Premium materials, perfect handling and a remarkably comfortable ride combine to make this the go-to business person’s car of choice.

It’s been that way since 1975, with each iteration learning and developing from the
last. While not BMWs top range sedan, there’s little to separate the 3 Series from its 5 Series siblings but the price.

bmw 3 series driving along a country road.

Brief History of the BMW 3 Series

First introduced in 1975, the 3 Series was successor to the 2 Series, encapsulating the look and style of the 70s with a boxy exterior and round headlights. 1982 saw the release of the second generation which offered a wider range of variations and the recognisable twin headlight design. The third generation hit the market in 1990, bringing with it the model’s first hatchback body style.

Another update came in 1997 with the fourth generation which also saw a new range of electronic features such as rain-sensing windscreen wipers. The fifth generation was introduced in 2005, one year before the 3 Series was given the award of ‘World Car of the Year’.

2011 brought with it the sixth generation of the series, introducing hybrid options for the first time, and bringing the 3 Series into the 21st century. The most recent generation was released in 2018 with a sleek styling and plenty of features to match.

If you want driving fun with a plush interior and plenty of space, the 3 series is the car for you.

Living up to BMWs moniker of “the ultimate driving machine”, the 3 Series has been the benchmark for driving enjoyment for decades. If you want to enjoy your drive, these are the cars to buy.

The 3 Series is also a great place to spend time, with fantastic infotainment and a classy interior that puts others to shame.

It’s also very decently priced, with many alternatives from Audi and Mercedes-Benz tipping the scales for many more pennies.

There are plenty od M3s on the market so a good chunk should already have been shaved off the purchase price. Keep an eye out for particularly well specced models, however, as they’ll hold their value the most and may have attractive monthlies.

Finding your Perfect BMW 3 Series is just part of the journey: buying or leasing it with great- value car finance? That’s the cherry on the cake.

ChooseMyCar.com’s fantastic range of Car Finance options can help you to drive away with the BMW you’ve always wanted for much less than you ever expected to pay – even if you’ve had problems getting credit in the past.

Hire Purchase, PCP or Lease: we have the Finance you need for the Car You’ll Love.

The BMW 3 series is a terrific car at a fantastic price. The benchmark for all small executive sedans, it takes everything from the 5 Series and trims it down into a car that’s perfect for UK roads.

If you think luxury equals an abundance of chrome and flashs gimmicks, the 3 Series might not be entirely your cup of tea. If you value absolutely outstanding build quality with a restrained, classy interior and superb driving dynamics, the 3 Series is as luxury as they come.

Audi often match BMWs build quality but rarely can they match BMW handling. The 3 Series is often called the “ultimate driving machine” and BMW do everything they can to deserve the title.

A great many 3 Series cars are still out there on the road after 100,000 miles but, like any car that’s been out there this long and has been this successful, the 3 series has had its share of problems. THe thing to remember about 3 and 5 Series cars is that they are performance vehicles and owners often run them hard.

There is some evidence to suggest that Mercedes are a touch more reliable than BMW (though the data is constantly changing and worth taking with a pinch of salt) but there’s little doubt that the cost of any repairs tends to be higher in Mercs. With good upkeep and frequent maintenance both Mercedes and BMWs should last and last.

Finance Calculator: How Much Can You Afford to Spend On A Car?

£8,000

4 Years

£190.42
48 monthly repayments

Best available rate 6.9%

Total cost of credit £1,140.16

Total repayment £9,140.16

Get a quote No impact on your credit score

Representative example:

Borrowing £6,500 over 48 months with a representative APR of 21.4%, an annual interest rate of 21.4% (Fixed) and a deposit of £0.00, the amount payable would be £196.24 per month, with a total cost of credit of £2,919.52 and a total amount payable of £9,419.52

We’re rated Excellent on Trustpilot

4.9 out of 5 on 3640 Reviews

28
31/08/2022

I was looking for a new car and looked…

I was looking for a new car and looked at a few different options for finance. They were very quick to respond and explained how I would be able to find the car I needed and were very helpful with every question I asked. It was processed quickly without a problem. Very friendly on the phone and offered support throughout process.
Customer
28
31/08/2022

Very quick and easy experience I…

Sully was fantastic Very quick and easy experience I applied got accepted quickly and chose a car easily, my car is due to be delivered today
Tan
28
28/08/2022

Super helpful!

Saad was super helpful and made everything really easy for me. Always communicated and really looked for the best deal in my budget. Would definitely recommend!
Bethan
28
29/08/2022

Highly recommend

Dean was amazing and provided a great service. I was unsure about the cars and regularly changed my mind but he didn’t seemed phased and was always happy to help. Extremely friendly and professional service. Thank you
Bhav
28
23/08/2022

Chris helped me make sure it was the…

Chris helped me make sure it was the right deal for me if I had any questions he was there to answer them
Martin
28
18/08/2022

Brill customer service

Brill customer service, assisted in helping me find the right car for me, great customer service. I had a lad called Micheal assist me great asset for he company.
Rachel
28
17/08/2022

Dealt with Dean and he is so…

Dealt with Dean and he is so professional & very helpful. His knowledge and confidence helped in being able to find the right car.
Mandi Leadbitter
28
12/08/2022

Faultless

craig was very helpful and knew his stuff when it came anything extra that needed to be sorted the whole experience was quick incisive and to the point thank you craig for sorting my new vehicle out
Darren James
28
11/08/2022

SUPERB!!

Absolutely amazing service from this company, had Remi to help me throughout the process and got my car financed and delivered within two days. Would definitely recommend this company and Remi to everyone! Written by one happy customer.
Kayleigh
More Reviews