Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

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tommy10101
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Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by tommy10101 » Sun Jul 15, 2018 7:20 pm

My M140i shadow edition with 2k miles on clock, ex demo car, registered may 2018 was £31,000

I pay £492 a month for 4 years with 1000 deposit

I can’t find any lease deals on m140s otherwise I would have gone for that because more than anything else I want low monthly repayments and smallish deposit, I don’t care about owning the car afterwards

How did you buy your car? And what is the lowest monthly repayment possible for a car like this? PCP or lease?

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Ckpearce91
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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by Ckpearce91 » Sun Jul 15, 2018 7:26 pm

I ordered mine in December 2017, and it was registered 1st March 2018. Mine is on a 48 month PCP 8000m/pa. I put down £1000 deposit and paying £406 per month. After discounts it was around £32800

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by tommy10101 » Sun Jul 15, 2018 7:34 pm

Interesting, sounds like you got a better APR % than me, probably because you ordered it new

Anyone here buy there’s with a lease deal?

Intersted to see who has the lowest monthly repayment

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by tommy10101 » Sun Jul 15, 2018 7:35 pm

Oh I should say, mine is 10,000 miles a year max

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by Ckpearce91 » Sun Jul 15, 2018 7:36 pm

I think I’ve seen some good lease deals but with leasing it’s only a good deal if you take the car as is. The options put the price up pretty quickly.

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by Tricky401 » Sun Jul 15, 2018 7:43 pm

OP - I hope as yours was new you didn’t get it on 11.9%. Your payments seem pretty high to me, hopefully the car is fully loaded

Mine is 300pm but I put in around 6k.some may think this is stupid but I prefer lower monthlies and my deposit was some of the return from my sale from the previous car
M135 5door, mineral Grey,black Dakota , auto, comfort pack + front Pdc, pro nav, adaptive sus, adaptive LEDs, reverse cam, sunroof, shadeband, sun protection, folding mirrors, load through, heated seats. First ever auto and BMW

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by un1eash » Sun Jul 15, 2018 8:02 pm

March 2017, Manual 5dr, heated seats, sun protection, comfort pack. 4 year PCP, 8k miles pa, £1000 down and £320 a month.

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by robsaboy » Sun Jul 15, 2018 8:06 pm

I paid cash and got the same level of discount from TRL. Great deals.
M140i, Mineral Grey

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by tommy10101 » Sun Jul 15, 2018 8:11 pm

It has pro media, HK, electric seats, cruise and Park sensor front rear, heated seats. It is quite a high spec

I think I had 6.9% apr. Car was 31,500 reduced from 33,000. I was first owner but it had 2200 miles when I picked it up as it was used as demo car

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Ckpearce91
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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by Ckpearce91 » Sun Jul 15, 2018 8:13 pm

tommy10101 wrote:It has pro media, HK, electric seats, cruise and Park sensor front rear, heated seats. It is quite a high spec

I think I had 6.9% apr. Car was 31,500 reduced from 33,000. I was first owner but it had 2200 miles when I picked it up as it was used as demo car
The shadow edition comes with HK, cruise, rear sensors, sun pro glass. So the options you have is pro Media, electric seats, heated seats and front sensors plus any others you may not have mentioned

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by tommy10101 » Sun Jul 15, 2018 8:22 pm

Is 6.9% apr too high then?

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by stag74 » Sun Jul 15, 2018 8:23 pm

Bought 1 year old back in March with only 3K miles from main dealer.
Bank loan £370/month for 5 years, put down £3K deposit.
Can pay off loan with only 1 months interest.
Of course no balloon payment.
Presently outstanding loan is roughly in line with 'we buy any car' valuation and should swing so value of car is greater over time.
No negative equity, total flexibility.
Last edited by stag74 on Sun Jul 15, 2018 8:28 pm, edited 1 time in total.
M140i 3 Door Manual

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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by Jmjwhitt » Sun Jul 15, 2018 8:24 pm

Nov 2017, new M140i Shadow 5 dr auto, Melbourne Red, adaptive, heated seats, pro nav, dimming mirrors. Run craps (!!!!)

PCP 0% APR £500 deposit, £355 per month, 10,000 per annum 48 months.

Very happy with that!


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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by markm240i » Sun Jul 15, 2018 8:32 pm

tommy10101 wrote:
Sun Jul 15, 2018 7:20 pm
My M140i shadow edition with 2k miles on clock, ex demo car, registered may 2018 was £31,000

I pay £492 a month for 4 years with 1000 deposit

I can’t find any lease deals on m140s otherwise I would have gone for that because more than anything else I want low monthly repayments and smallish deposit, I don’t care about owning the car afterwards

How did you buy your car? And what is the lowest monthly repayment possible for a car like this? PCP or lease?
TRL from Berry Heathrow BMW is a forum sponsor and will be as cheap as you find for a PCP deal. I've pasted his latest Q3 deals below, or visit his forum page.


"Here our the latest figures for the M140 shadow edition model, for orders placed from 1st July 2018 to 30th September 2018 and registered by 29th December 2018. Available only through me online - not from the showroom.
The Figures have been updated to show the new Road Tax costs from 1st July 2018.
The figures below are a typical example. Should you wish to vary your deposit or annual mileage then apply the following.
For every £1000 of deposit reduce the monthly payment by £22pm.
For every extra 1000 miles per annum required, add £6pm. The minimum mileage allowance is 8000 miles pa.

Please use the information below to work out your own spec/figures as I am unable to reply to every single email as I work alone.
Contact me on my usual email address if you need further details or wish to place an order.
TRLdeals@outlook.com
Lead time is usually 12 weeks though we do sometimes carry some stock which could arrive sooner."

----------------------------------------------------------------------------------------------------
BMW M140 Shadow Edition 3 door Automatic
List price £36,890 OTR
Dealer contribution £4390
BMW contribution £4000
customer balance £28,500
Customer deposit £1500 then 47 x £370.32 plus optional final payment of £13,513.33.
-----------------------------------------------------------------------------------------------------
BMW M140 Shadow Edition 5 door Automatic
List Price £37,440 OTR
Dealer contribution £4475
BMW contribution £4000
Customer balance £28,965.
Customer deposit £1500 then 47 x £374.23 plus optional final payment of £13,873.61.

(All of the above based on 8000 miles PA and 4.9% APR). Terms and conditions apply. Subject to status.)

Here are a list of the current FACTORY COST OPTIONS and the monthly payment to add to the above base price
all figures included dealers contribution and based on a 4 year PCP.

Options List;

Metallic Paint.................. +£11.35 pm (GFV inc £0)
Heated Steering Wheel........+£3.25 pm (GFV inc £0)
Adaptive M Suspension........+£7.88 pm (GFV inc £132)
Comfort Access.................+£7.10 pm (GFV inc £0)
Reverse Assist Camera........+£4.13 pm (GFV inc £132)
Grey Shade band top tint.....+£1.40 pm (GFV inc £0)
Glass Sunroof...................+£15.57 pm (GFV inc £132)
Luggage Net.....................+£1.95 pm (GFV inc £0)
Ext Electric Folding Mirrors...+£2.75 pm (GFV inc £0)
Electric Memory Seats........+£13.16pm (GFV inc £0)
Lumber for front seats........+£3.61pm (GFV inc £0)
Heated Front Seats...........+£3.83 pm (GFV inc £132)
Split Fold Rear Seat...........+£3.25 pm (GFV inc £0)
Headlight Washers.............+£3.61 pm (GFV inc £0)
Adaptive LED Headlights.....+£4.92 pm (GFV inc £264)
Front PDC ......................+£3.43 pm (GFV inc £132)
Park Assist.......................+£4.72pm (GFV inc £0)
EBT with Wifi & wireless chg +£5.42 pm (GFV inc £132)
Apple Carplay..................+£4.76 pm (GFV inc £0)
Driving Assistant............... +£7.90 pm (GFV inc £0)
Speed Limit Display........... +£4.12 pm (GFV inc £0)
Microsoft Office ............... +£2.76 pm (GFV inc £0)
Professional Media Pack.......+£13.14 PM (GFV inc £132)
Current - M240i 8AT
Previous - Audi S3 DSG, Porsche Boxster S 981 PDK, Porsche Cayman S, Audi TTRS, Porsche Boxster S 987
Mercedes SLK 350, BMW E46 M3, BMW Z4 3.0, Honda S2000, Honda Civic Type R, Peugeot 309 GTI

tommy10101
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Re: Bank loan, PCP, Hire purchase or Leasing - how did you buy your M140?

Post by tommy10101 » Sun Jul 15, 2018 9:32 pm

Many thanks for that,

Looks like I missed out on the dealer and bmw contributions on new car orders, my list price was 3k higher than those above

Not too bothered though, happy with my deal. Thanks all

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