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£26,995

PCP: from £536 pm

HP: from £597 pm

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

BMWX2 1.5 18I M SPORT DCT

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Bespoke Motor Works Ltd

01642 906 581^*

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Overview

Mileage:
9,000
Year:
2023
Fuel type: Petrol
Transmission: Automatic
Body type: Hatchback
Colour: White
Doors: 5
Engine size: 1.5 L
CO₂ Emissions: 151 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 delighted to offer this low mileage, 2023 BMW X2 18i 1.5 M Sport which is finished in Alpine White. Our example has had 2 owners from new, only covered 9, 000 miles and boasts over £7, 000 in upgraded specification which includes: M Sport Pro Pack, Technology Pack I & II, 20 Gloss Black Alloys, Maxton Body Kit, Reverse Camera with Front & Rear Sensors, Apple CarPlay and Full Black Dakota Leather Upholstery, The next keeper will also benefit from the remainder of the BMW Warranty and Breakdown which runs until June 26th 2026 and as part of this cars preparation before sale we have performed an oil and pollen filter service. **Cash Price £26, 995.00, £2, 715.00 Deposit, 49 Monthly Payments of £429.99, Guaranteed Future Minimum Value of £10, 525.48, 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 Package
Technology Pack II
Perforated Dakota Leather - Black with Grey Stitching
Technology Pack I
20 M Double Spoke Gloss Black Alloy Wheels
Sun Protection Glazing
Alpine White
Head Up Display
Apple CarPlay
Wireless Charging
Electric Powered Tailgate
Cruise Control
DAB Digital Radio
Electric Folding Mirrors
Reverse Camera with Front & Rear Sensors
Ambient Lighting
Heated Front Seats.
Gloss Black Kidney Grille
Heated Front Seats
Satellite Navigation
Automatic Windscreen Wipers and Headlights
BMW Badge on Bonnet - Electric Bootlid with Integrated Electric Bootlid - C Pillars Both Sides
Drive Mode Select
Dual Zone Climate Control
Bluetooth

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 YA23KPU

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 27/06/2024

No colour changes

Mileage data available †

Data for this history check supplied: 18/05/2025 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*
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*Provided where available

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Vehicle Registration Mark (VRM)	Date
YA23 KPU	07/05/2025
WE09 MAG	26/08/2024

Source	Date	Mileage
DVLA	14/05/2025	9,000
MANUF'RER	26/04/2024	5,195