£31,480

From £703 pm

BMWX4 3.0 M40d SUV 5dr Diesel Auto xDrive Euro 6 (s/s) (326 ps)

2 BMW X4 reviews

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Essex Car Company

01708 392 196^*

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Overview

Mileage:
52,581
Year:
2020
Fuel type: Diesel
Transmission: Automatic
Body type: N/a
Colour: Black
Doors: 5
Engine size: 3.0 L
CO₂ Emissions: 165 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

This 2020 BMW X4 M40d boasts a clear vehicle history check and an MOT valid until January 2026, offering peace of mind for its next owner. This impressive M40d variant is equipped with a powerful 3.0L diesel engine and a four wheel drive drivetrain, ensuring capable performance in various conditions. Inside, youll find the luxurious BMW Individual Extended Merino Leather in Tartufo Black, complemented by BMW Individual Interior Trim Finishers in Piano Black. Comfort is further enhanced with driver and front passenger lumbar support and a heated steering wheel. Practicality is also a key consideration, with a fully electric towbar included. The X4 M40d delivers exhilarating performance, accelerating from 0 to 60mph in a swift 4.9 seconds, a testament to its potent 3.0L diesel engine. This impressive acceleration highlights how this particular model offers a more dynamic driving experience compared to many other vehicles in its class. As a Euro 6 emission class vehicle, it meets current environmental standards.

Vehicle features

12V Power Socket in Front Centre Console
20in Alloy Wheels - M Light Double-spoke Style 699 M - Bicolour Orbit Grey
Acoustic Glazing
Active Guard
Air Conditioning - Automatic
Airbags
Alarm System - Thatcham 1 with Remote Control and Engine Immobiliser
Ambient Lighting
Armrest - Front with Storage Compartment
Armrest - Rear Centre with Two Cupholders
Attentiveness Assistant
BMW Connected Package Professional
BMW ConnectedDrive Online Services
BMW Emergency Call
BMW Icon Adaptive LED Headlights
BMW Individual High-Gloss Shadowline
BMW Live Cockpit Professional
BMW Professional Radio with MP3 Playback Compatibility
BMW TeleServices
Battery Safety Cut Off
Bluetooth Hands-Free Facility with USB Audio Interface and Audio Streaming
Bottle Holders Integrated into Door Trim Storage Compartments - Front - up to 1 litre - Rear - Up to 750ml
Brake Pad Wear Indicator - Front and Rear
Bumper System - Front and Rear
Bumpers - Body Colour
Central Locking Switch for All Doors - Fuel Filler Cap - Lugga

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 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

Representative example:

Borrowing £10,000 at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, 59 monthly payments of £223.33 followed by 1 payment of £233.33, total cost of credit is £3,409.80*, total amount payable is £13,409.80.

*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 12.9%, annual interest rate (fixed) 12.9%, deposit of £0, 48 monthly payments of £299.67, optional final payment £7,645.00 (inc. £10 option to purchase fee), total cost of credit is £6,029.16†, total amount of credit is £16,000.00, total amount payable is £22,029.16.

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.

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Vehicle history check

For FL20CUG

Not recorded as stolen
No third-party trace
4 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 4

Date Of Last Keeper Change 28/02/2025

No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 09/09/2025 at 02:15

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
FL20 CUG	28/04/2024
R888BBG	01/11/2022
FL20 CUG	07/10/2022
MU55 STU	21/09/2020

Source	Date	Mileage
MOT	10/01/2025	44,501
MOT	17/10/2023	37,395
MOT	27/10/2022	22,134
DVLA	12/10/2022	22,000