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£40,495

PCP: from £795 pm

HP: from £896 pm

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

BMWX3 XDRIVE30D 3.0 MHT M SPORT

28 BMW X3 reviews

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Bespoke Motor Works Ltd

01642 906 581^*

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Overview

Mileage:
28,000
Year:
2022
Fuel type: Hybrid
Transmission: Automatic
Body type: Estate
Colour: White
Doors: 5
Engine size: 3.0 L
CO₂ Emissions: 164 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

We are pleased to offer this 2022 (72 Reg) BMW X3 xDrive30d 3.0 MHT M Sport, which is finished in Mineral White Metallic. Our example has had two owners from new, covered 28, 000 miles and the next keeper will benefit from the remainder of the BMW Warranty and Breakdown Cover, which runs until 29th September 2025. This car has a great specification to include: 20 Gloss Black Alloys, M Performance Style Body Kit, Ambient Lighting, Heated Front Seats, M Sport Pro Pack, Reverse Camera with ParkAssist and Sun Protection Glass. As part of this cars preparation before sale we have fitted four brand new tyres, performed an oil, pollen, air and fuel filter service and also performed the cars first MOT, which had no advisories. **Cash Price £40, 495.00, £4, 316.00 Deposit, 48 Monthly Payments of £629.99, Guaranteed Future Minimum Value of £16, 309.35, Based on 8, 000 Miles Per Annum at 9.9% APR** (a) **FOR AUTOTRADER APP USERS, PLEASE SEE THE BELOW TAB 'THIS CAR COMES WITH' TO SEE THE OTHER SPEC'S ON THIS CAR OR VISIT OUR WEBSITE FOR MORE INFO**

Vehicle features

M Sport Pro Pack
Mineral White
Sun Protection Glass
20in Alloy Wheels - 787 M Double-Spoke Style
M Sport Brakes with Blue Calipers
Vernasca Leather - Black with Grey Stitching
M Performance Style Body Kit
Reverse Camera with Front & Rear Sensors
Apple CarPlay/Android Auto
Heated Front Seats.
3 Zone Climate Control
Electric Tailgate
Electric Folding Mirrors
Bluetooth
ParkAssist & Reverse Assistant
DAB Radio
Cruise Control
Ambient Lighting
Lane Assist
BMW Live Cockpit Professional.
Satellite Navigation
Drive Mode Select

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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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 12.4%, annual interest rate (fixed) 12.4%, 59 monthly payments of £221.08 followed by 1 payment of £231.08, total cost of credit is £3,274.80*, total amount payable is £13,274.80.

*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 £16,000.00 at a representative APR of 12.4%, annual interest rate (fixed) 12.4%, deposit of £0, 48 monthly payments of £294.92, optional final payment £7,644.00 (inc. £10 option to purchase fee), total cost of credit is £5,800.16†, total amount of credit is £16,000.00, total amount payable is £21,800.16.

Representative Example is for AA PCP agreement for a Ford Focus Estate 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.

Interested in a personal loan instead?

Rates from Representative 6.5% APR on loans of £7,500 to £19,999, with no set up fee and full online journey. Subject to status. Other amounts and rates available. Eligibility criteria apply. Over 18s only. Provided by National Westminster Bank plc trading as NatWest Boxed. AA Financial Services is a credit broker not a lender.

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Vehicle history check

For GF72KSZ

Not recorded as stolen
No third-party trace
1 previous keeper 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 1

Date Of Last Keeper Change 11/08/2023
No plate changes
No colour changes

Mileage data available †

Data for this history check supplied: 30/05/2025 at 02:14

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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Source	Date	Mileage
MOT	12/05/2025	28,882