Check any Car with our Free service!

no purchase necessary

See Mileage & MOT History
Compare Cars across websites
Used as a Taxi or Unrecorded Damage?
Check any Car with our Free service!

See Mileage & MOT History

Compare Cars across websites

Used as a Taxi or Unrecorded Damage?

BMW X5 finance

BMW X5 Finance Deals

BMW is famous the world over for its luxurious cars that are high performing and consistently reliable. 

The BMW X5 is a mid-size, crossover SUV – now known as an SAV (Sports Activity Vehicle) – and very much continues BMW’s excellent reputation. It is both a luxurious SAV and a durable performance car that is even used by the UK police.

Although the BMW X5 series is popular, the models in the range remain expensive vehicles, often costing upwards of £50,000. So, to help customers who want to drive these magnificent cars, car dealers have various finance deals available.  

Here, we are going to take a look at some of the finance deals available for the BMW X5 Series and where you can find the best deals.

Free Car Check

Just enter any Car Registration below

Tell us when you’re buying the car so we can show you the most relevant info

BMW X5 Series finance deals

There are a number of finance deals available to purchase a BMW X5 model for those who do not have the funds to buy one outright. They could use hire purchase, personal contract purchase deals, or a personal loan.

Both CarMoney and BMW themselves have a range of excellent finance deals available on X5 models. By choosing one of their finance deals, you may be able to afford to drive the luxury car you have always wanted.

So let’s jump in and take a look at some of the details of what finance deals are available!

What types of car finance deals are there?

A car finance deal refers to any payment for a car when it is not bought outright with a customer’s own money. Some finance deals culminate with the customer purchasing the car, while others end with the customer returning their vehicle to a dealer.

Hire Purchase (HP)

A hire purchase (HP) deal is a car finance agreement in which you pay a deposit that is based on the value of the car, usually around 10%, and then pay off the rest of the costs in monthly payments plus interest. Once you have finished paying these instalments, if you have not yet paid the total cost of the car, you pay a transfer fee to complete your purchase. The overall cost of the monthly instalments, the transfer fee, and the interest, is more than the total value of the car if you had bought it outright.

Personal Contract Purchase (PCP) 

Personal contract purchase (PCP) deals are similar to a hire purchase. You usually put down a deposit of around 10% of the car’s value and then pay monthly instalments over a pre-agreed period of time. The cost of the instalments is based on the car’s current value, its predicted value, and interest rates.

However, where PCPs differ from hire purchases is that once the time period of the personal contract purchase is complete, you have three options. You can return the car to the dealer, pay an optional final payment (known as a “balloon payment”) to cover the total price of the car and keep it or use the car’s resale value to put towards the purchasing of a new car.

Personal Loan

A personal loan does not involve a deal with a car dealer. Instead, it is a deal you can get with your bank whereby they loan you enough money to buy a car outright. You then pay back the loan in instalments with interest over an agreed period of time.  

Depending on your credit rating, the amount of money you are borrowing, and the time frame in which you must pay it back, a personal loan may work out cheaper than some of the other purchasing options.

Where to find finance deals on BMW X5 models

With so many car dealers offering finance deals, it can be hard to know where to start and who to approach. Here, we will take a look at some offers from CarMoney and BMW themselves.


CarMoney has hundreds of finance deals on offer on the full range of the BMW X5 series. You can also use their finance calculator to compare lenders to ensure you find the right model and deal for you.

CarMoney allows you to search for both hire purchase and personal contract purchase deals.


You can also get great car finance deals directly from the BMW website. BMW offers fixed hire purchase and personal contract deals, or you can tailor a deal to suit your needs. They have deals on X5 cars and many other BMW models.

BMW X5 models

First generation: BMW X5 (E53)

The first generation of the X5, the E53, was produced between 1999 and 2006. 

The E53 was designed and developed soon after BMW had acquired Land Rover and it shares many components with some of Land Rover’s designs. Although no longer manufactured, the E53 shares the same technology for the in-car entertainment system as other BMWs. This means that it can be easily updated and installed with the latest in-car tech.

Second generation: BMW X5 (E70)

The E70 was produced between 2006 and 2013. 

The E70 includes an optional row of seats to increase the overall capacity to up to seven passengers. It also includes the BMW iDrive system that allows for central control of all of the vehicle’s entertainment and communication functions. The iDrive system is now standard across most of BMW’s car range.

The E70 also has active steering, which changes the steering resistance depending on the type of driving you are doing, keyless access, and inbuilt parking sensors. 

Third generation: BMW X5 (F15)

The F15 third generation was produced between 2013 and 2018.

The F15 was a bigger model than the E70 and came in a choice of engine sizes. The different models included a hybrid electric model that was powered by a turbocharged four-cylinder engine.

Fourth generation: BMW X5 (G05)

The G05 model has been produced since 2018 and is still manufactured today.

Its standard equipment includes heated seats, LED headlights, heated or cooling cupholders, a panoramic sunroof, a digital key system that allows a smartphone to be used as a fob, and many other inbuilt applications for entertainment and communication. 

X5 M

The X5 M is the high-performance variant of the X5. The M variants have faster top speeds, sharper braking, greater acceleration, and smoother steering,

To date, only the following generations of the X5 have an X5 M variant:

  • E70 X5 M 
  • F85 X5 M 
  • G05 X5 M

How can Car Guide's tools help you to find a good finance deal?

You can use Car Guide’s Car Switcher and the MOT Checker to help you get the best deal possible on your BMW X5.

Put the details of the car you are looking to buy into the Car Switcher and it will find better deals and alternative models to that car. The Car Switcher searches all of our partners’ deals to ensure that you get the best car and the best deal available. 

Car Guide’s MOT Checker can find out the history of any used car in a matter of seconds. Simply enter the car’s registration into the checker and it will instantly tell you: 

  • The car’s current MOT status and the MOT expiry date.
  • The car’s history, including full MOT history with dates, advisories and any reasons for failure.
  • A full list of components that are likely to fail or get an advisory on the next MOT.

Frequently Asked Questions

Finding the right car finance deal depends on your financial situation and how settled you are on a particular car. For example, a personal contract purchase is a great option if you are unsure about committing to a certain car. After the contract period, you can decide if you want to buy the car you have been driving or choose a different model. If you are set on buying a certain car that you can’t currently afford, getting a personal loan or a hire purchase deal is a good idea as you can pay for the car in small increments until you have bought it. Find out more here.

Blog Categories

Most Popular

Related Posts

Hold on!


It’s free to check any vehicle!

Just enter the reg below:

The most comprehensive Car Reports Available
We'll show you if the car is a write-off, has outstanding finance and manufacturer safety recalls
Slide 2 Heading
Lorem ipsum dolor sit amet consectetur adipiscing elit dolor
Click Here
Slide 3 Heading
Lorem ipsum dolor sit amet consectetur adipiscing elit dolor
Click Here
Slide Heading
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Click Here