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£41,744

PCP: from £775 pm

HP: from £933 pm

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

BMWX4 X4 M40d

2 BMW X4 reviews

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Prestige Cars Kent

01689 242 905^*

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Overview

Mileage:
28,845
Year:
2022
Fuel type: Diesel hybrid
Transmission: Automatic
Body type: Suv
Colour: Blue
Doors: 5
Engine size: 3.0 L
CO₂ Emissions: 179 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

PARK ASSIST+ /DRIVE ASSIST PRO.

? BMW X4 M40d ⭐✨The BMW X4 M40d is a striking Sports Activity Coupe that blends muscular performance with everyday practicality. Powered by a potent 3.0-litre diesel engine, it delivers thrilling acceleration, smooth efficiency, and confident handling across all terrains. The M Sport design cues give it an unmistakably athletic look, while the luxurious cabin ensures every journey is enjoyed in complete comfort. With advanced technology, driver-focused features, and premium materials throughout, the X4 M40d perfectly balances style and substance. Whether cruising on the motorway or navigating city streets, this car offers a dynamic driving experience that sets it apart.✨ Some features we love:?️ Parking Assistant Plus – Automated parking support with a 360° camera for effortless manoeuvres.?️ Driving Assistant Professional – Adds adaptive cruise, lane assist, and safety features for enhanced confidence.? M Aerodynamics Package – Improves performance with optimised airflow and bold M Sport styling.? Smartphone Integration – Seamless Apple CarPlay/Android Auto connectivity for entertainment and navigation.? Sun Protection Glass – Enhances privacy while reducing glare and heat inside the cabin.? Why Buy from Prestige Cars Kent?✅ 90-Day Guarantee✅ 175-Point Quality Inspection? Nationwide Delivery Available? Call Now: 01689242905? Prefer email? Submit your enquiry today and we’ll be in touch.⭐ Admin fee applies. Please confirm all specifications, as they are autogenerated ⭐.

All cars are HPI and 175-Point Checked..

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Vehicle features

12V Power Socket in Front Centre Console
12V Power Socket in Luggage Compartment
21in Alloy Wheels - 718 M Double-Spoke Bi-Colour with Run-Flat Tyres
2x USB Type C in Front Centre Console
2x USB Type C in Rear Centre Console
Acoustic Glass
Active Guard
Active Guard Plus
Active Protection
Adaptive LED Headlights
Air Conditioning - Automatic
Airbags
Alarm System
Ambient Lighting
Armrest
Attentiveness Assistant
Automatic Operation of Tailgate
Automatic Start-Stop Button
Automatic Windscreen Wiper and Headlights
BMW Connected Package Professional
BMW ConnectedDrive Online Services
BMW Emergency Call
BMW Individual High-Gloss Shadowline with Extended Contents
BMW Individual Lights Shadow Line
BMW Live Cockpit Professional
BMW TeleServices
BMW iDrive
Brake Pad Wear Indicator - Front and Rear
Bumper System - Front and Rear
Centre Armrest in Rear - Folding with 2 Cup Holders
Centre Lock Switch
Closing System with Central Locking
Condition Based Service
Crash Sensor
Cup Holders - Two in Front - Two in Rear Centre Console
DAB Tuner
Deletion Lumbar Support-Width Adjustment Passenger Side
Double-Jointed Spring-Strut Front Axle
Driving Assistant
Driving Experience Switch
Dynamic Brake Lights
EPS - Electric Power Steering
Electric Memory Seats
Electric Windows - Front and Rear
Electro Mechanical Parking Brake
Electronic Vehicle Immobiliser
Exterior Items
Exterior Trim - High-Gloss Shadowline
Folding Wing Mirrors with Auto-Dimming
Follow Me Home Headlight Function
Front and Rear Parking Sensors
Glove Compartment - Lockable
Headlight Beam-Throw Control
Heat Protection Glazing
HiFi Loudspeaker Audio System
High Level Third Brake Light Using LED Technology
High-Beam Assistant
Interior Lighting
Interior Trim - Aluminium Rhombicle with Pearl Chrome
Interior and Exterior Mirror Package
Larger Fuel Tank
Lashing Eyelets in Luggage Compartment
Luggage Compartment - Light
M Adaptive Suspension
M Aerodynamics Package
M Seat Belts
M Sport Brakes with Blue Calipers
M Sport Differential
Microfilter and Active Carbon Filter
Multiple-Control-Arm Rear Axle
Non Smoker Package
PDC - Park Distance Control
Parking Assistant
Performance Control
Reversing Light
Safety Battery - Terminal Clamp
Safety Systems
Seat Backrest Width Adjustment
Seats - Front Heated
Sensatec Dashboard
Servotronic
Smartphone Integration
Speed Limiter
Split Folding Rear Seat - 40-20-40
Sport Seats - Front
Steering Column Adjustment
Steering Wheel - Gearshift Paddles
Steering Wheel - M Sport Leather
Storage Compartment Package
Storage Options
Sun Protection Glass
Sun Visors with Vanity Mirrors and Ticket Holder
Tyre Pressure Sensors
Variable Sport Steering
Warning Triangle
Welcome Lighting
Widescreen Display
Windscreen Washer Jets - Heated
Parking Assistant Plus
Galvanic Embellisher for Controls
Vernasca Leather - Oyster with Grey Contrast Stitching
Driving Assistant Professional

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 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 GJ72LGC

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

The current keeper is not included in the number of previous keepers.

This vehicle has had 1 registered keeper from new. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.
No plate changes
No colour changes
Mileage data not available
Not an insurance write-off

Data for this history check supplied: 21/08/2025 at 04:18

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.