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£22,990

PCP: from £436 pm

HP: from £503 pm

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

BMW3 Series 320i M Sport

126 BMW 3 Series reviews

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Wheelers Car Centre

01608 762 057^*

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Overview

Mileage:
48,144
Year:
2022
Fuel type: Petrol
Transmission: Automatic
Body type: Saloon
Colour: Black sapphire metallic paint
Doors: 4
Engine size: 2.0 L
CO₂ Emissions: 159 g/km

Please note: Dealers are responsible for the content of their listings and are expected to include all fees in the advertised price. You should always confirm all listing details with the dealer before purchasing.

Vehicle details

NEW MOT & FULL PRE-DELIVERY INSPECTION INCLUDED BEFORE HANDOVER.Full finance facilities and nationwide delivery available.Part exchange welcome – cars, pickups, and vans.Family-run business established for over 30 years with 3, 000 independently collected great reviews.

Vehicle features

Black Sapphire - Metallic
Heated seats front driver and passenger
Interior trim Fine-wood oak grain open-pored
Metallic paint
1998 cc 2.0 litres in-line 4 engine with 82.0 mm bore 94.6 mm stroke 11.0 compression ratio variable valve timing/camshaft and four valves per cylinder Engine code: B48B20M1 and 11.0
12.3 inch multi-function display screen(s) Instrument panel 1 and 31.2 10.3 inch touch sensitive multi-function display screen(s) Dashboard 1 wheel and 26.2 Dashboard centre 1
12.3 inch multi-function display screen(s) Instrument panel 1 and 31.2 10.3 inch touch sensitive multi-function display screen(s) Dashboard 1 wheel and 26.2 instrument cluster 1
12v power outlet located in front section and rear section front
12v power outlet located in front section and rear section rear
20.00 gigabyte internal Memory /HD
40/20/40 split folding rear seats: bench type with space for three people; with zero electric adjustments front
59 litre 13.0 UK gallon main fuel tanks main
ABS
Air conditioning can be controlled remotely via the internet via a telephone remote air conditioning control 36 includes heating and includes cooling
Alloy & leather multi-function steering wheel with tilt adjustment and telescopic adjustment
Alloy look trim on dashboard alloy look trim on doors alloy look trim on centre console alloy & leather gearknob and leather trim on handbrake
Ambient lighting
Ambient lighting colour selection
Analogue & digital dashboard
Anti collision system which activates brake lights and brakes at low speed and includes brake assist driver monitor visual/acoustic warning and pedestrian & cyclist avoidance system ; min speed 5 km/h operates above 130 kph/78 mph operates above 50 kph/30 mph and operates below 50 kph/30 mph
Anticorrosion warranty: 144 months Unlimited miles Unlimited km
Anti-theft protection with interior monitoring
Apps control
Audio system with touch screen ; radio receives AM/FM digital and RDS colour screen 0 and audio player reads MP3
Automatic air conditioning with three climate control zones
Automatic hazard lights
Automatic smart card/key includes keyless start
Black paint
Bluetooth includes music streaming
Body colour power door mirrors/cameras ; heated and light sensitive with integrated indicator lights body colour power door mirrors/cameras ; heated and light sensitive with integrated indicator lights and automatic tilt feature when reversing driver
Body colour power door mirrors/cameras ; heated and light sensitive with integrated indicator lights body colour power door mirrors/cameras ; heated and light sensitive with integrated indicator lights and automatic tilt feature when reversing passenger
Brake assist system
Built-in Apps
Central door locking: Operated by mobile phone Includes windows
Centre armrest between front seats
Centre armrest between rear seats
Charges: VAT [20%] = 6025.00 VED (Standard Rate) = 155.00 FRF = 55.00 VED (First Year 151 - 170 g/km) = 555.00 Additional Charges (GB) = 25.00
Computer includes average speed average fuel consumption instantaneous fuel consumption and range for remaining fuel
Connections for USB (front) 2 and 0
Cornering brake control
Cruise control
Cup holders for front seats and rear seats front seats
Cup holders for front seats and rear seats rear seats
Data completeness: up to date pricing data up to date data for key leasing items specifications data from official documentation up to date colour & trim data up to date option pricing data up to date option content data and up to date incentives data
Date introduced: Model introduced 02 Oct 2018 and Version introduced 01 Jul 2019
Day time running lights
Door sill protector other
Driver and passenger seat: individual type driver
Driver and passenger seat: individual type passenger
Electrically foldable mirrors
Electrical system 12
Electronic brake distribution
Electronic traction control
Emergency call
Emissions: EU6 D compliant
Energy recuperation engine
Engine start/stop
Euro NCAP crash test results:

Remember to check the details of this car with the dealer before you buy it to make sure that all the information is accurate.

Credit ratings explained

Excellent

You are a home owner
You have been on the electoral roll for a long period of time
You have current credit arrangements and mortgage with no defaults
You have no CCJs, credit arrears or missed payments
You rarely apply for credit
You are employed or self-employed

Good

You are on the electoral roll
You are a home owner or long standing-tenant
You have a stable employment history
You have current credit arrangements with occasional missed payments
You have no CCJs

Fair

You are or have recently been on the electoral roll
You may have recently changed address
You may have occasional missed payments
You may have an old CCJ
You may have regularly applied for credit

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Make your Car Finance product selection below

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car.

At the end of the agreement, you have three options. You can hand the car back to the finance company (the must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

What is Hire Purchase (HP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

For this vehicle you have selected only HP is available.

All this will be explained in more detail when you speak with one of our friendly agents, once you have completed your application.

Hire Purchase

PCP

Amount to borrow
Monthly payments
Illustrative APR
Total amount payable

Amount to borrow
First payment
Monthly payments
Final payment
Illustrative APR
Total amount payable

Representative example:

Borrowing £10,000 at a representative APR of 11.9%, annual interest rate (fixed) 11.9%, 59 monthly payments of £218.83 followed by 1 payment of £228.83, total cost of credit is £3,139.80*, total amount payable is £13,139.80.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.

Borrowing £19,000.00 at a representative APR of 11.9%, annual interest rate (fixed) 11.9%, deposit of £0, 48 monthly payments of £359.86, optional final payment £8,150 (inc. £10 option to purchase fee), total cost of credit is £6,423.28†, total amount of credit is £19,000.00, total amount payable is £25,423.28.

Representative Example is for AA PCP agreement for a Ford Focus with a contract mileage of 10,000. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). This quotation is not a binding offer to enter into a finance agreement.

†AA PCP AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.

This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status. Terms and conditions apply. A guarantee may be required. Over 18's only. This service is provided by Evolution Funding Limited who are authorised and regulated by the Financial Conduct Authority for credit brokerage, FCA number is 823324. Evolution Funding Limited are a credit broker, not a lender. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers and they may provide an incentive to do so.

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Understanding finance

Vehicle history check

For ST22LYW

Not recorded as stolen
No third-party trace
2 previous keepers show

There are PREVIOUS KEEPER CHANGES recorded against this vehicle. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.

Number Of Previous Keepers 2

Date Of Last Keeper Change 07/02/2025

No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 14/02/2026 at 08:42

What's not included?

Outstanding finance details
Estimated cost of vehicle ownership
MOT history & common failures*
Full vehicle specification
Mileage discrepancies*
Market valuation*
Vehicle Tax Check

*Provided where available

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Category write-offs

A vehicle that has been in an accident will be assessed by insurance companies and assigned a category: A, B, S or N. However, we only list Cat S or N cars as Cat A and B cars are not roadworthy and safe.

Category S (formerly Category C)

The 'S' in Cat S stands for structural damage. This means the vehicle has damage to its structure/chassis, which is more than just cosmetic damage. But the vehicle can be professionally repaired, making it safe and roadworthy.

Category N (formerly Category D)

Similarly, the 'N' in Cat N stands for non-structural damage. Here, the vehicle has sustained damage, but it has not affected the structure/chassis. A Cat N car is safe to drive as the damage could be minimal/cosmetic.

Buying a written-off vehicle:

Do a full vehicle history check to identify category vehicles.
Make sure to check with the dealer if a Cat S/N vehicle has been professionally repaired.
Book a vehicle inspection and our experts will look over a Category vehicle for you.

Vehicle Registration Mark (VRM)	Date
ST22 LYW	01/01/2026
CR71 CHY	17/02/2025

Source	Date	Mileage
MOT	20/01/2026	47,941
MOT	23/10/2024	30,840
MANUF'RER	09/10/2024	30,831
BVRLA	08/10/2024	30,599