BMW X1 Monthly Installment

by Leland Morrison, on 29 November 2023


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The BMW X1 is a compact luxury crossover that epitomizes the blend of premium features, practicality, and the dynamism that BMW is known for. This vehicle is the entry-point to BMW's illustrious range of Sport Activity Vehicles (SAVs), bringing the joy of Sheer Driving Pleasure to a segment popular with families and individuals seeking versatility alongside luxury. The X1 is available with a range of powertrains, including petrol, diesel, and more recently, a fully electric option, satisfying a variety of driving preferences and efficiency demands.

The X1 also features a wealth of technology highlights, such as the sleek BMW Curved Display, and a variety of driver assistance systems, making it not just a joy to drive but also safe and connected. With a generous large luggage compartment and optional features like an electrically pivoting trailer tow hitch, the X1 is as functional as it is sophisticated.


The BMW X1 has undergone significant evolution since its introduction. Over the years, it has been refined with updated styling, improved performance capabilities, and the incorporation of advanced technologies. The X1 transitioned from the early E84 generation to the more recent F48, and now, the latest U11 model showcases a clearly structured design language and a sporty presence coupled with modern interiors that boast high-quality materials.

The progression in the BMW X1 is also marked by an enhanced focus on electromobility, with the introduction of hybrid and electric models offering a new level of efficiency and sustainability. These developments underscore BMW's commitment to innovation and reflect the demands of an ever-changing automotive landscape.


The BMW X1 is available in a range of variants, each with its own set of features and price tag. The base model starts at R793,046, while the top-of-the-line variant is priced at R900,617. The price of a particular variant depends on its engine, transmission, and other features.

Variant Price
sDrive 18i M Sport Package R793,046
sDrive 18d xLine R815,117
sDrive 18d Signature R900,617

Additional Costs to Consider:

Monthly Installment

Monthly payments for the BMW X1 vary between R13,897 and R18,438

The following table provides a few example calculations using the prime interest rate + 2% (13.75%) over a period of 6 years or 72 months.

Variant Price Installment 10% deposit 10% deposit and residual
sDrive 18i M Sport Package R793,046 R16,235 R14,612 R13,897
sDrive 18d xLine R815,117 R16,687 R15,018 R14,284
sDrive 18d Signature R900,617 R18,438 R16,594 R15,782

The installment goes down when a 10% deposit is provided and even further when a 10% residual is added

Factors affecting your monthly installment:

Minimum monthly salary

Banks typically recommend not spending more than 15% of your monthly salary on a car repayment. With that in mind, here is the recommended monthly salary for each variant:

Minimum Salary
Variant No deposit 10% deposit 10% deposit and residual
sDrive 18i M Sport Package R108,236 R97,412 R92,646
sDrive 18d xLine R111,248 R100,123 R95,225
sDrive 18d Signature R122,917 R110,625 R105,213


The BMW X1, as a premium compact SUV, falls into the SUV-B segment. It offers a blend of luxury, efficiency, and versatility, making it ideal for urban driving as well as longer road trips. The table below gives a comparison to other alternatives in the SUV-B segment.

Name Monthly From Monthly To Popularity
Nissan Qashqai R9,294 R13,729 Very Low
Ford Puma R9,329 R12,568 No Data
Hyundai Tucson R9,628 R16,703 No Data
Honda CRV R10,148 R17,174 Very Low
VW Tiguan R10,244 R17,002 Medium
Citroen C5 Aircross R10,639 R14,001 Very Low
Kia Sportage R10,723 R16,357 Low
Toyota RAV4 R11,963 R17,059 Low
Audi Q3 R12,565 R16,634 Low
BMW X1 R13,897 R18,438 Low
Hyundai Kona N R15,040 R17,379 No Data


Current popularity for the BMW X1 is Low with around 42 770 searches per month.

Tips to Secure the Best Monthly Installment Deal

Securing the best monthly installment deal is crucial for managing your finances effectively. Whether you're financing a car, home, or any other purchase, a favorable installment plan can save you money and reduce financial strain. Here are some tips to help you land the best deal:

  1. Research & Compare: Investigate various lenders, comparing their rates, terms, and fees using online tools.
  2. Check Credit Score: A better score can lead to lower rates. Regularly review and work on improving it.
  3. Negotiate: Don't settle for the first offer. Be informed about market rates and available promotions.
  4. Choose Shorter Terms: Longer terms might have smaller payments but higher interest. Opt for shorter terms if possible.
  5. Consider a Deposit: A significant deposit can reduce monthly payments and possibly get a better rate.
  6. Understand the Terms: Be clear on all conditions, especially penalties for early or missed payments.
  7. Maintain Your Budget: Determine your monthly limit and stick to it. Avoid tempting deals that exceed it.
  8. Seek Pre-approval: It provides clarity on what you qualify for and aids in negotiations.

By being diligent, informed, and proactive, you can secure a monthly installment deal that aligns with your financial goals and provides peace of mind.


Understanding the pricing and monthly installment options for the BMW X1 is crucial for potential buyers. The X1's starting price and associated costs, such as vehicle insurance and Guaranteed Future Value, should be carefully considered. As this vehicle can represent a significant investment, it's important for buyers to research thoroughly and remain aware of their financial options and potential long-term value.

Therefore, it is advisable to consult with financial advisors, and to consider the offerings, like BMW Select Finance, which can provide flexibility and security regarding future vehicle value. By doing so, potential owners can ensure they make an informed decision that aligns with both their lifestyle needs and their financial circumstances.