2014 BMW 3-Series Lease Questions

n1daniel

Thanks for all of you who make this forum possible.

I am posting this information as a reference on a deal today in Southern California.
I got a brand new 2015 335i with MSRP 53400
Total drive off 500
Monthly including 8% tax is 500
39mo/15K miles
I believe credit score over 700 is necessary for the best deals.

n1daniel

Forgot to mention that I had the $1000 allowance for attending the ultimate driving experience.

kyfdx

nr14 said:

With additional details:

2015 BMW 320i
Options: Drivers Assistance Package, Heated Front Seats, Navigation, Moonroof
MSRP - 38,350
Invoice - 35,890
Negotiated Selling Price - 33,375
Selling Price + Taxes etc. - 36,932
Residual value - 23,393.50
Money Factor - 0.00170
Additional miles after 12K at .20/mile

Cash Due: 2000
39 month lease for 12000 miles - 382

That's a lot of et cetera added... Especially, since taxes are charged on the monthly payment in California, not upfront.

$3557 in "Taxes etc." Need to know what that's all about, before worrying about the rest of the deal.

kyfdx

n1daniel said:

Thanks for all of you who make this forum possible.

I am posting this information as a reference on a deal today in Southern California.
I got a brand new 2015 335i with MSRP 53400
Total drive off 500
Monthly including 8% tax is 500
39mo/15K miles
I believe credit score over 700 is necessary for the best deals.

That's a very nice deal.. Congrats!

nr14

Thank you kyfdx. Here is a revised quote I got from the dealer:

2015 BMW 320i with navigation, moonroof, driver assist (backup camera), black exterior, black interior (not leather)

Vehicle Price (MSRP): 38,350
Dealer savings: 5,455
Vehicle Selling Price: 32,895

Sales Tax (estimate): 2,805.34
Weight Fee: 24
Tag/Registration Fee (estimate): 285
Flat Add/County Fee: 10
Electronic Filing: 29
Smog Abatement Fee: 20
Doc Fee: 80

Total Balance Due (Estimate): 36,148.34

Cash Due: 2,000
39 month / 12000 Miles monthly payment (inclusive of taxes): 364
Residual Value: 23,394
Money Factor: 0.00170

The dealer is also offering the following option:
Cash due: 3627 including 2800 refundable security deposit
39 month/12K monthly payment (inclusive of taxes): 366

The deal is valid this end of day today as it includes a $1000 holiday rebate.

Thank you so much for your help again!

kyfdx

nr14 said:

Thank you kyfdx. Here is a revised quote I got from the dealer:

2015 BMW 320i with navigation, moonroof, driver assist (backup camera), black exterior, black interior (not leather)

Vehicle Price (MSRP): 38,350
Dealer savings: 5,455
Vehicle Selling Price: 32,895

Sales Tax (estimate): 2,805.34
Weight Fee: 24
Tag/Registration Fee (estimate): 285
Flat Add/County Fee: 10
Electronic Filing: 29
Smog Abatement Fee: 20
Doc Fee: 80

Total Balance Due (Estimate): 36,148.34

Cash Due: 2,000
39 month / 12000 Miles monthly payment (inclusive of taxes): 364
Residual Value: 23,394
Money Factor: 0.00170

The dealer is also offering the following option:
Cash due: 3627 including 2800 refundable security deposit
39 month/12K monthly payment (inclusive of taxes): 366

The deal is valid this end of day today as it includes a $1000 holiday rebate.

Thank you so much for your help again!

Maximum markup of the money factor... Estimated sales tax is not relevant, as tax is assessed monthly on the payment..

I'd bet you can do just as well by shopping around.. The $1000 Holiday credit is scheduled through the end of the year.

fjabad

Hello, can you please provide me with the residual and money factor for the month of December on a 2015 M3, 12K/year and 36 months?  If they are subsidizing 24 or 39 months, can I have those numbers too? Thank you ahead of time! 

Michaell

fjabad said:

Hello, can you please provide me with the residual and money factor for the month of December on a 2015 M3, 12K/year and 36 months?  If they are subsidizing 24 or 39 months, can I have those numbers too? Thank you ahead of time! 

.00130 and 59% for 39/12. 64% for 24/12. $1000 holiday cash.

bimer320

2014 bmw 320i msrp $37500
sport pkg,power seat,carbon fiber pkg,blk grill
$0 drive off
36m/10k year miles
$319 +tax
is this a good deal.

stasialane

This is all confusing. My offer with $5875 in negative equity is:

2014 320i with heated front seats, moonroof, power front seats, dark burl walnut wood trim

MSRP: 37,295
selling price: 31,195
36m/10k miles
$1000 out of pocket (includes first month payment)
MF: should be .00130

Monthly payment is $500

is this a good or horrible deal?

stasialane

stasialane said:

This is all confusing. My offer with $5875 in negative equity is:

2014 320i with heated front seats, moonroof, power front seats, dark burl walnut wood trim

MSRP: 37,295
selling price: 31,195
36m/10k miles
$1000 out of pocket (includes first month payment)
MF: should be .00130

Monthly payment is $500

is this a good or horrible deal?

I should mention I'm in TX and they claim to be paying the taxes on it. Residual they said would be standard 59% or 60%. I forget exactly.

bimer320

2014 bmw 320i msrp $37500
sport pkg,power seat,carbon fiber pkg,blk grill
$0 drive off
36m/10k year miles
$319 +tax
is this a good deal
tnx

Michaell

bimer320 said:

2014 bmw 320i msrp $37500
sport pkg,power seat,carbon fiber pkg,blk grill
$0 drive off
36m/10k year miles
$319 +tax
is this a good deal
tnx

What is the net cap cost?

Michaell

stasialane said:

stasialane said:

This is all confusing. My offer with $5875 in negative equity is:

2014 320i with heated front seats, moonroof, power front seats, dark burl walnut wood trim

MSRP: 37,295
selling price: 31,195
36m/10k miles
$1000 out of pocket (includes first month payment)
MF: should be .00130

Monthly payment is $500

is this a good or horrible deal?

I should mention I'm in TX and they claim to be paying the taxes on it. Residual they said would be standard 59% or 60%. I forget exactly.

63% residual for 36/10 and .00130 base MF. Before factoring in the tax and negative equity, I calculate a payment of $284.96/mo.

TX taxes the entire selling price for a lease, but I've heard that tax credits are available to mitigate that hit.

The $5900 of negative equity would add about $164/mo to the payment, so about $449 total. Tax would take you to $500.

Why so much negative equity? Turning in a lease early?

stasialane

Michaell said:

This is all confusing. My offer with $5875 in negative equity is: 2014 320i with heated front seats, moonroof, power front seats, dark burl walnut wood trim MSRP: 37,295 selling price: 31,195 36m/10k miles $1000 out of pocket (includes first month payment) MF: should be .00130 Monthly payment is $500 is this a good or horrible deal?

I should mention I'm in TX and they claim to be paying the taxes on it. Residual they said would be standard 59% or 60%. I forget exactly.

63% residual for 36/10 and .00130 base MF. Before factoring in the tax and negative equity, I calculate a payment of $284.96/mo. TX taxes the entire selling price for a lease, but I've heard that tax credits are available to mitigate that hit. The $5900 of negative equity would add about $164/mo to the payment, so about $449 total. Tax would take you to $500. Why so much negative equity? Turning in a lease early?

stasialane

I'm turning in a 2006 330i that has an extended warranty. Because I don't drive as much as I thought I'm switching to leasing. I figured December was a good time for deals. I may still ask for another $500-$1000 off before I sign though.

Michaell

stasialane said:

I'm turning in a 2006 330i that has an extended warranty. Because I don't drive as much as I thought I'm switching to leasing. I figured December was a good time for deals. I may still ask for another $500-$1000 off before I sign though.

I would recommend you pop in over at the "Real World Trade in Values" discussion to get an honest appraisal of your current car. You may not be as upside down as your dealer tells you.

stasialane

Michaell said:

I'm turning in a 2006 330i that has an extended warranty. Because I don't drive as much as I thought I'm switching to leasing. I figured December was a good time for deals. I may still ask for another $500-$1000 off before I sign though.

I would recommend you pop in over at the "Real World Trade in Values" discussion to get an honest appraisal of your current car. You may not be as upside down as your dealer tells you.

Well, my car prior to this one was demolished by hail after a year, so I had bad luck negative equity of $1400 in this loan. So I guess if that hadn't happened and I didn't buy an extended warranty I'd be breaking even. I think?

stasialane

stasialane said:

Michaell said:

I'm turning in a 2006 330i that has an extended warranty. Because I don't drive as much as I thought I'm switching to leasing. I figured December was a good time for deals. I may still ask for another $500-$1000 off before I sign though.

I would recommend you pop in over at the "Real World Trade in Values" discussion to get an honest appraisal of your current car. You may not be as upside down as your dealer tells you.

Well, my car prior to this one was demolished by hail after a year, so I had bad luck negative equity of $1400 in this loan. So I guess if that hadn't happened and I didn't buy an extended warranty I'd be breaking even. I think?

Also, thank you, Michaell!

Michaell

stasialane said:

stasialane said:

Michaell said:

stasialane said:

I'm turning in a 2006 330i that has an extended warranty. Because I don't drive as much as I thought I'm switching to leasing. I figured December was a good time for deals. I may still ask for another $500-$1000 off before I sign though.

I would recommend you pop in over at the "Real World Trade in Values" discussion to get an honest appraisal of your current car. You may not be as upside down as your dealer tells you.

Well, my car prior to this one was demolished by hail after a year, so I had bad luck negative equity of $1400 in this loan. So I guess if that hadn't happened and I didn't buy an extended warranty I'd be breaking even. I think?

Also, thank you, Michaell!

The unused portion of the extended warranty might be refundable - you should look into that.

bimer320

Michaell said:

bimer320 said:

2014 bmw 320i msrp $37500
sport pkg,power seat,carbon fiber pkg,blk grill
$0 drive off
36m/10k year miles
$319 +tax
is this a good deal
tnx

What is the net cap cost?

I found this deal on craigslist long beach the guy sounded legit trying to transfer his lease,just transfer fees $500 and $319 plus tax a month for this 320i.

hey0joe

Hello! Thanks for the great info! Trying to get in on a lease. Looking at a 2015 328i. The current offer on the table is:

MSRP: 42,900 (premium, driver assistance, heated seats)
Sell Price: 37,934.53 (will have to confirm, but I think it's including $1,000 holiday)
Resid: 62% 26,598
MF: 0.00170 (not sure if they are willing to take 0.00130)
Capped Fees: 1,199.50 (I have not yet confirmed the breakdown of this)
Total taxes: 2,370.91 (Texas)
Adjusted Cap: 41,504.94
money down: only first month's payment (right?)
498/month

As I mentioned, lower MF would be best (I calculate 470/month with 0.00130). Anything else? Confirm the breakdown of the fees? I wondered about paying the fees seperately, but it seems it would only save me $60 over the course of the lease. Might as well just roll it in?
Also, I know about the MSD to reduce the MF, but I'm not so sure I want to do that. Should I?

floydfan1

Shopping time approaching, ha.

Can you please confirm that the below or correct as necessary for December pls? Many thx!

.0013 base MF on all

2015 328i with 39 mo/10k miles RV=.63
2015 320i with 39 mo/10k miles RV=.62
2015 428i (wrong forum I know), same parameters RV=.61

Michaell

bimer320 said:

Michaell said:

bimer320 said:

2014 bmw 320i msrp $37500
sport pkg,power seat,carbon fiber pkg,blk grill
$0 drive off
36m/10k year miles
$319 +tax
is this a good deal
tnx

What is the net cap cost?

I found this deal on craigslist long beach the guy sounded legit trying to transfer his lease,just transfer fees $500 and $319 plus tax a month for this 320i.

I know of a few lease swap webistes, but not sure how comfortable I'd feel about something found on CL.

Michaell

hey0joe said:

Hello! Thanks for the great info! Trying to get in on a lease. Looking at a 2015 328i. The current offer on the table is:

MSRP: 42,900 (premium, driver assistance, heated seats)
Sell Price: 37,934.53 (will have to confirm, but I think it's including $1,000 holiday)
Resid: 62% 26,598
MF: 0.00170 (not sure if they are willing to take 0.00130)
Capped Fees: 1,199.50 (I have not yet confirmed the breakdown of this)
Total taxes: 2,370.91 (Texas)
Adjusted Cap: 41,504.94
money down: only first month's payment (right?)
498/month

As I mentioned, lower MF would be best (I calculate 470/month with 0.00130). Anything else? Confirm the breakdown of the fees? I wondered about paying the fees seperately, but it seems it would only save me $60 over the course of the lease. Might as well just roll it in?
Also, I know about the MSD to reduce the MF, but I'm not so sure I want to do that. Should I?

I'd work towards a deal using the base MF, then use MSD to buy it down.

kyfdx

hey0joe said:

Hello! Thanks for the great info! Trying to get in on a lease. Looking at a 2015 328i. The current offer on the table is:

MSRP: 42,900 (premium, driver assistance, heated seats)
Sell Price: 37,934.53 (will have to confirm, but I think it's including $1,000 holiday)
Resid: 62% 26,598
MF: 0.00170 (not sure if they are willing to take 0.00130)
Capped Fees: 1,199.50 (I have not yet confirmed the breakdown of this)
Total taxes: 2,370.91 (Texas)
Adjusted Cap: 41,504.94
money down: only first month's payment (right?)
498/month

As I mentioned, lower MF would be best (I calculate 470/month with 0.00130). Anything else? Confirm the breakdown of the fees? I wondered about paying the fees seperately, but it seems it would only save me $60 over the course of the lease. Might as well just roll it in?
Also, I know about the MSD to reduce the MF, but I'm not so sure I want to do that. Should I?

The numbers are dead-on. Getting the base MF would knock $28/mo. off the payment. Nothing wrong with rolling the fees in.

I certainly wouldn't make MSDs without them first dropping to the base MF..

Michaell

floydfan1 said:

Shopping time approaching, ha.

Can you please confirm that the below or correct as necessary for December pls? Many thx!

.0013 base MF on all

2015 328i with 39 mo/10k miles RV=.63
2015 320i with 39 mo/10k miles RV=.62
2015 428i (wrong forum I know), same parameters RV=.61

I confirm all the numbers listed above. $1000 holiday bonus cash available for all three.

floydfan1

Thank you Michael

hey0joe

Thank you for the responses!

I ended up moving forward with a different car. They kept trying to focus on a particular monthly payment. For example, they said they would adjust the numbers to still have the same payment if I wanted the base MF. These are the numbers:

MSRP: 49,600
Resid: 62% 30,752.00
Sell price: 46,210.37
MF: 0.00170
Capped Fees: 1,199.50 (925.00 acquisition, 124.50 Title Lic Reg, 150 Doc)
Also on the lease paperwork is a line 14. Estimated official fees and taxes: 1,549.50

560/month

Taxes ended up being credited by BMW? Otherwise, they were not put in to these lease figures. I started wondering if this was not good for me.
I already signed and paid the first month (today), so is it too late to back out? I have not driven the car off the lot. I was going to get it Monday afternoon.

kyfdx

hey0joe said:

Thank you for the responses!

I ended up moving forward with a different car. They kept trying to focus on a particular monthly payment. For example, they said they would adjust the numbers to still have the same payment if I wanted the base MF. These are the numbers:

MSRP: 49,600
Resid: 62% 30,752.00
Sell price: 46,210.37
MF: 0.00170
Capped Fees: 1,199.50 (925.00 acquisition, 124.50 Title Lic Reg, 150 Doc)
Also on the lease paperwork is a line 14. Estimated official fees and taxes: 1,549.50

560/month

Taxes ended up being credited by BMW? Otherwise, they were not put in to these lease figures. I started wondering if this was not good for me.
I already signed and paid the first month (today), so is it too late to back out? I have not driven the car off the lot. I was going to get it Monday afternoon.

The only thing good about that deal is the tax credit...

Can you back out? You can call them back and say you changed your mind. I don't think they can make you take the car..

hey0joe

kyfdx said:

hey0joe said:

Thank you for the responses!

I ended up moving forward with a different car. They kept trying to focus on a particular monthly payment. For example, they said they would adjust the numbers to still have the same payment if I wanted the base MF. These are the numbers:

MSRP: 49,600
Resid: 62% 30,752.00
Sell price: 46,210.37
MF: 0.00170
Capped Fees: 1,199.50 (925.00 acquisition, 124.50 Title Lic Reg, 150 Doc)
Also on the lease paperwork is a line 14. Estimated official fees and taxes: 1,549.50

560/month

Taxes ended up being credited by BMW? Otherwise, they were not put in to these lease figures. I started wondering if this was not good for me.
I already signed and paid the first month (today), so is it too late to back out? I have not driven the car off the lot. I was going to get it Monday afternoon.

The only thing good about that deal is the tax credit...

Can you back out? You can call them back and say you changed your mind. I don't think they can make you take the car..

Thanks. I started thinking that the tax credit they gave should have benefited me more. Instead, it must be benefiting the dealer, right? Allow for higher sell price and MF?

Should I try to back out? I'd be surprised if I can (everything signed and first month payment), but I can always try on Monday.

kyfdx

hey0joe said:

kyfdx said:

hey0joe said:

Thank you for the responses!

I ended up moving forward with a different car. They kept trying to focus on a particular monthly payment. For example, they said they would adjust the numbers to still have the same payment if I wanted the base MF. These are the numbers:

MSRP: 49,600
Resid: 62% 30,752.00
Sell price: 46,210.37
MF: 0.00170
Capped Fees: 1,199.50 (925.00 acquisition, 124.50 Title Lic Reg, 150 Doc)
Also on the lease paperwork is a line 14. Estimated official fees and taxes: 1,549.50

560/month

Taxes ended up being credited by BMW? Otherwise, they were not put in to these lease figures. I started wondering if this was not good for me.
I already signed and paid the first month (today), so is it too late to back out? I have not driven the car off the lot. I was going to get it Monday afternoon.

The only thing good about that deal is the tax credit...

Can you back out? You can call them back and say you changed your mind. I don't think they can make you take the car..

Thanks. I started thinking that the tax credit they gave should have benefited me more. Instead, it must be benefiting the dealer, right? Allow for higher sell price and MF?

Should I try to back out? I'd be surprised if I can (everything signed and first month payment), but I can always try on Monday.

If that dealer has tax credits, then it's likely that all of the dealers have tax credits in Texas. Whether you want to try to get out of your deal is up to you.. If you do, you obviously won't be able to do another deal with that dealer.

walkercnj

Could you give me the residual and money factor for a 2015 328i xdrive in NJ for 15/39?

Thank you!

Michaell

walkercnj said:

Could you give me the residual and money factor for a 2015 328i xdrive in NJ for 15/39?

Thank you!

.00130 and 60% for 39/15. $1000 holiday cash.

vette184

Can I please have MF and Residual on both 320i and 328i xdrive sedans with Navigation and satellite radio (premium package?) for NJ. 39m/12k thanks again 

Michaell

vette184 said:

Can I please have MF and Residual on both 320i and 328i xdrive sedans with Navigation and satellite radio (premium package?) for NJ. 39m/12k thanks again 

.00130 and 61% (320xi) or 62% (328xi) for 39/12. $1000 holiday credit.

harveydent

Can I please have MF and Residual on both 320i and 328i sedans-  palm beach, Florida . 36mo /10k thanks

Michaell

harveydent said:

Can I please have MF and Residual on both 320i and 328i sedans-  palm beach, Florida . 36mo /10k thanks

2014? .00130 and 63% for 320i, 36/10. $2500 lease cash. Subtract 1% on residual and add $1000 to lease cash for 328i.

harveydent

Yes 2014. Thanks for numbers.

Patelshivam94

Can I get the numbers please for:

2014 328i GT xDrive
2014 335i GT xDrive
2014 328i xDrive

15K Miles Per Year.

Thank You.

kyfdx

Patelshivam94 said:

Can I get the numbers please for:

2014 328i GT xDrive
2014 335i GT xDrive
2014 328i xDrive

15K Miles Per Year.

Thank You.

.00130 MF and 60% residual on all three models.

But, the 328i xDrive sedan has a $3500 Holiday Credit, and the other models have no cash incentives.

harveydent

Michaell said:

Can I please have MF and Residual on both 320i and 328i sedans-  palm beach, Florida . 36mo /10k thanks

2014? .00130 and 63% for 320i, 36/10. $2500 lease cash. Subtract 1% on residual and add $1000 to lease cash for 328i.

Forrest 2014. 
Thank you

drsahusa

Hi all,

I am new here and need some feedback on this offer:

2014 335i xdrive Sedan
MSRP 56,650
Negotiated Price: 48825 (includes 725 bank fee)
Money Factor: 0.00081 (after 7 MSDs)
Residual: 62% for 10K miles per year for 36 months
Due at signing: 3500 (MSDs) + $200 Doc Fee + TTL + 1st Payment
Monthly Payment: 482 including sales tax @ 7.63%

Please let me know if this looks good so I could go ahead a finalize the deal.

Thanks!
DS

Michaell

drsahusa said:

Hi all,

I am new here and need some feedback on this offer:

2014 335i xdrive Sedan
MSRP 56,650
Negotiated Price: 48825 (includes 725 bank fee)
Money Factor: 0.00081 (after 7 MSDs)
Residual: 62% for 10K miles per year for 36 months
Due at signing: 3500 (MSDs) + $200 Doc Fee + TTL + 1st Payment
Monthly Payment: 482 including sales tax @ 7.63%

Please let me know if this looks good so I could go ahead a finalize the deal.

Thanks!
DS

I'm getting the same payment you are ... base MF before MSD and a healthy discount from sticker - what's not to like?

Enjoy!

drsahusa

Thanks, Michaell.

bimmy

Would appreciate feedback on this

2015 BMW 328xi GT

39 Month 10k Lease
MSRP: 53300
Negotiated: 48300
Residual : 63%
Monthly: $540 including tax (6.25% MA) , $2000 down (includes first month payment + TTL + Fees)

Dealer did not give me the money factor, based on the numbers it looks to be 0.0016.

Any comments on this? I think I can get the money factor down a bit...

weeeut

Could I kindly get the MF and residual for the following? Sorry if I'm being to detailed here as I start my search and look at various term and mile offers.

2014 320i base - 12K miles - 24 months - Atlanta, GA
2014 320i base - 12K miles - 36 months - Atlanta, GA
2014 320i base - 15K miles - 24 months - Atlanta, GA
2014 320i base - 12K miles - 39 months - Atlanta, GA


2014 328i base - 12K miles - 24 months - Atlanta, GA
2014 328i base - 12K miles - 36 months - Atlanta, GA
2014 328i base - 15K miles - 24 months - Atlanta, GA
2014 328i base - 12K miles - 39 months - Atlanta, GA


2014 328i xdrive - 12K miles - 24 months - Atlanta, GA
2014 328i xdrive - 12K miles - 36 months - Atlanta, GA
2014 328i xdrive - 15K miles - 24 months - Atlanta, GA
2014 328i xdrive - 12K miles - 39 months - Atlanta, GA

I included the xdrive because of the larger holiday incentive.

Thank you very much in advance!

Michaell

bimmy said:

Would appreciate feedback on this

2015 BMW 328xi GT

39 Month 10k Lease
MSRP: 53300
Negotiated: 48300
Residual : 63%
Monthly: $540 including tax (6.25% MA) , $2000 down (includes first month payment + TTL + Fees)

Dealer did not give me the money factor, based on the numbers it looks to be 0.0016.

Any comments on this? I think I can get the money factor down a bit...

That's the first place I would start....

kyfdx

bimmy said:

Would appreciate feedback on this

2015 BMW 328xi GT

39 Month 10k Lease
MSRP: 53300
Negotiated: 48300
Residual : 63%
Monthly: $540 including tax (6.25% MA) , $2000 down (includes first month payment + TTL + Fees)

Dealer did not give me the money factor, based on the numbers it looks to be 0.0016.

Any comments on this? I think I can get the money factor down a bit...

If MA taxes the monthly payment, it looks like they are about $25/mo. high... I agree, that would presume an MF of .00160.

Your selling price looks good... ask for the net CAP cost and see if that equals your negotiated price. The difference could be in there..

Michaell

weeeut said:

Could I kindly get the MF and residual for the following? Sorry if I'm being to detailed here as I start my search and look at various term and mile offers.

2014 320i base - 12K miles - 24 months - Atlanta, GA
2014 320i base - 12K miles - 36 months - Atlanta, GA
2014 320i base - 15K miles - 24 months - Atlanta, GA
2014 320i base - 12K miles - 39 months - Atlanta, GA


2014 328i base - 12K miles - 24 months - Atlanta, GA
2014 328i base - 12K miles - 36 months - Atlanta, GA
2014 328i base - 15K miles - 24 months - Atlanta, GA
2014 328i base - 12K miles - 39 months - Atlanta, GA


2014 328i xdrive - 12K miles - 24 months - Atlanta, GA
2014 328i xdrive - 12K miles - 36 months - Atlanta, GA
2014 328i xdrive - 15K miles - 24 months - Atlanta, GA
2014 328i xdrive - 12K miles - 39 months - Atlanta, GA

I included the xdrive because of the larger holiday incentive.

Thank you very much in advance!

MF is .00130 for all 3-series in December. No 39 month program numbers for 2014 models. Add 2% to all residual numbers to go from 15K to 12K.

320i - 66% for 24/15; 62% for 36/12. $2500 holiday cash.

328i - 65% for 24/15; 61% for 36/12. $3500 holiday cash.

Add 1% to 328i numbers for 328xi residuals. Same holiday cash.

Be advised that in GA you will pay 6.75% "Ad Valorem" tax on the entire selling price of the car. You can pay this up front or roll it into your cap cost, but that will greatly increase your payment.