Creditplus Blog

Award winning car and finance blog

BMW 3 Series vs Audi A4 | Car Finance Deals Spotlight


The BMW 3 Series is the most popular car here at Creditplus, with the majority of our customers choosing it every month. The Audi A4 is the BMW 3 Series’ big rival, but not as many of our customers seem to be choosing this car. In this Car Finance Deals Spotlight, we look at these two great cars and see what car finance deals are available, as well as how these cars match up when put against each other.

BMW 3 Series


New OTR Price: From £31,670
Overview: The BMW 3 Series has long been one of the most popular cars, not just here at Creditplus, but in the UK as a whole. The combination of a German engineering prowess with the style and prestige associated with the BMW badge.
Read our BMW 3 Series review.

Audi A4


New OTR Price: From £26,350
Overview: The Audi A4 is a classy vehicle that combines the prestige of an executive mid-price sedan with a sporty, high performance edge that Audi’s tend to bring.
Read our Audi A4 review.

Round 1: Car Impressions



Both BMW and Audi have very distinctive designs, in particular the front end. The BMW’s trademark front grill and headlights give the car an almost aggressive look. The 3 Series has a longer bonnet than the A4, but both have a similar design to the main body. This is partly down to the way car designs are becoming more homogenous, with safety standards and aerodynamic design principles being replicated across brands.


The A4 has a slightly sportier feel, as expected with the Audi brand. There seems to be more straight edges, with a harsher angular feel to the car’s lines. Both cars are very easy on the eye and won’t be an eyesore in the office car park. They both give a professional, executive feel so if you use your car for work or want to impress, then either of these would make a great choice.



As expected with these top mark German cars, the interior styling is of a very high standard. The Audi A4 comes with Audi’s in-car computer and entertainment system – the “MMI infotainment” system. The overall design and feel for the interior is top notch, with all the switches and controls having a distinctive tactile feel to them.


The 3 Series has an excellent seating position, with the controls ergonomically designed so you feel comfortable. The A4 has slightly more legroom so might be a bit better suited to the taller driver. As always, these cars come with a variety of different trim levels to choose from, so you should be able to find the accessories you desire from one of the options available.



The latest engines have all the efficiency you expect. The newest Audi engines are some of the most efficient on the market, with power up by 21% despite fuel consumption being down 25%. The efficiency changes do not have too negative an affect on the car’s speed, with the car able to do 0-62mph in 7.3 seconds. Tests conduced by What Car? had the Audi A4 faster in the acceleration stakes.


The BMW 3 Series is no slouch though and generally has a more sporty feel to the A4. Its rear wheel drive gives the car excellent handling and makes curves fun to attack. Different driving modes also mean you can adjust the car’s performance and suspension to the conditions and drive you desire.

Round 2: Compare Car Finance Packages

We took a look at three different models of each car in our vehicle search and compared car finance packages for each of them. The calculation was completed based on a 48 month term, 10,000 miles per year, £2,000 deposit, and a 5.9% flat rate. These monthly payments and interest rates are subject to change based on credit and financial circumstances. For more details, visit our Help and Advice Centre or call a Customer Advisor on 0800 1777 290.

BMW 3 Series

2015 BMW 3 Series 2.0 320d BluePerformance M Sport Auto – YE65KZU
5,000 miles on the clock
Price: £23,995
PCP Car Finance Deal from: £465 per month
HP Car Finance Deal from: £568 per month

2014 BMW 3 Series 320d xDrive M Sport 4dr Step Auto – YB14DUJ
22,487 miles on the clock
Price: £20,596
PCP Car Finance Deal from: £303 per month
HP Car Finance Deal from: £480 per month

2013 BMW 3 Series 320d M Sport Auto – WA13VEB
45,824 miles on the clock
Price: £18,000
PCP Car Finance Deal from: £276 per month
HP Car Finance Deal from: £413 per month

Have these deals gone? Search for more BMW 3 Series over at our car search: BMW 3 Series car search

Audi A4

2014 Audi A4 2.0 TDI 150 Black Edition – VK64UPP
12,620 miles on the clock
Price: £20,000
PCP Car Finance Deal from: £290 per month
HP Car Finance Deal from: £465 per month

2013 Audi A4 3.0 TDI Quattro SE S Tronic Auto – PE13SZO
26,500 miles on the clock
Price: £18,995
PCP Car Finance Deal from: £286 per month
HP Car Finance Deal from: £439 per month

2014 Audi A4 2.0 TDI 177 SE Technik Multitronic Auto – HN64FWF
62,941 miles on the clock
Price: £17,000
PCP Car Finance Deal from: £252 per month
HP Car Finance Deal from: £388 per month

Can’t find these Audi A4 deals? Search for more great car deals in our vehicle database: Audi A4 Car Search

Ready to upgrade to a new BMW 3 Series or Audi A4?

Get behind the wheel of a fantastic BMW or Audi when you apply for car finance with Creditplus. When you apply, we compare car finance packages across more than 90 lending options, meaning we can tailor the right deal for you. We have a wide panel of lenders, so we can find one that will suit your credit circumstances. Most important of all, applying for car finance won’t affect your credit rating – find out more about our soft credit search.

Apply for car finance today with Creditplus.


Leave a Reply

Your email address will not be published. Required fields are marked *