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2013 and earlier BMW X5 Prices Paid and Buying Experience



  • abiseidabiseid Posts: 1

    I am considering the BMW X5 2005 for lease and have seen it advertised for $459/mo. with like $3800 total inception fees. I have also seen many other manufacturers offer Zero Down on many cars (like Jeep) for very low prices (i.e jeep wrangler - 188/mo., jeep grand cherokee - 259/mo.).

    My question is this....if these jeep and other manufacturers can offer zero down (sign and drive) and keep the payments very low, why can't I ask for the same from BMW? Can I go to the dealer and is my 790 beacon score, I want this X5 for $459/mo with ZERO DOWN. Can it be done???????

    Thanks for your help.
  • 4am4am Posts: 2
    Following is a quote that I got from a dealer here in Seattle, does it sound like a good deal. Thanks in advance for your advice.

    MSRP $51720,
    YOUR PRICE! $50168.

  • kyfdxkyfdx Posts: 64,726
    I don't have the new numbers for July, but I'll assume they are the same as June..(and, I'm pretty sure they are).

    1) $1550 is not much of a discount.. At this time of year, and on a not-that-popular model, I would expect $2500-$3000 discount from MSRP at a minimum..

    2) I'll assume that the $1500 includes the acquisition fee and the first payment..

    3) It looks like they are bumping the money factor the maximum .0004 and also waiving the security deposit for an extra .00015.. This takes the MF up to .0018 (which equates to 4.3%) from the base MF of .00125.

    So, small discount, money factor bumped the maximum.. not a very good deal..

    With a $3000 discount from MSRP, acquisition fee of $625 added into the cap cost, base MF of .00125, and upfront of 1st payment and security deposit (still should be around $1500 total), the payment would be about $596/mo.+ tax..

    So, they still have about $75/mo. to come down... I'd want at least $60/mo. of that, before I'd consider it a good deal..



    Prices Paid, Lease Questions, SUVs

  • 4am4am Posts: 2
    Thanks! for the sound advice. I will go back negotiate. :) :)
    Best Regards,
  • ca_manca_man Posts: 23

    How much is a fair price over invoice these days for a 2005 X5 4.4i ?
    Is $1000 over invoice too much of a stretch ?

    Any input or experiences greatly appreciated .... :)
  • x5guyinlax5guyinla Posts: 1
    I just purchased an 2005 X5 4.4i for $64,250 out the door.......MSRP on it was $62,695. It has sport, premium, rear climate, & cold weather packages with nav & 19" rims. The invoice I saw on the dealer computer showed $57,810, and I got it for $58,890 before tax and reg. I think I got a decent deal...probably could have gotten a better deal if I didn't know the guy and was willing to walk away, but I REALLY did want to get the car right then and there. You might be able to get a better deal, maybe $500 over invoice, if you order it and are willing to wait the 6-8 weeks it takes to build one. I tried to see if they would do it $500 over invoice, but even the volume dealer in the Los Angeles County(Pacific BMW in Glendale) said they can't do that. Hopefully that helps.
  • nubeemernubeemer Posts: 1
    I just recently leased a 2005 x5 3.0,Toledo Blue/Gray Interior (Premium/Rear Climate/Park/Xenon), This is my first time leasing a beemer, want to know if I overpaid and got jiped:
    Downpayment = $4k,
    Total Monthly payment = $571 / mo (39 months lease @ 12k mi)
    MSRP = $49170
    Gross Capitalized Cost = $49k (I bought the Perma plate ($695) to protect my car)

    - Just curious of the feedback so I would be better prepare next time, but otherwise I love my new car!!!
  • it was listed in there websitei 41700 (wrong price)
    and the dealer honor his mistake. very honest people :shades:

    orginal price 52700
  • gkc3gkc3 Posts: 3
    05 X5 3.0

    51320 MSRP
    48482 Price
    MF 0.00145
    Acq 825
    Res 60%
    39 mo lease
    637 / mo incl tax

    I'm thinking that this is an overall good deal
  • lrhonelrhone Posts: 1
    Looking at an X5-3.0 - Premium/Cold/Heated Stearing/Rear Heat *after all it is cold up here in the winter*

    MSRP is $48,570
    Sell: $45,970 ($2600 off of MSRP)
    On a 39 month term with 12,000 miles per year and $0 down, payments are $688. This is based on a 61% residual and an APR of 4.5% and includes all sales tax, license and title. Literally $0 out of pocket at lease signing - includes tax, title registration. No security or first payment required. There is no acquisition fee. For every $1k we could/would put down the payment would go down $30.00/month.

    This is Owners Choice financing offered by BMW, basically a baloon. At the end of term you have 3 options, pony up the cash, refinance or turn in.

    In Chicago on any lease, we have to pay 9% sales tax on the sell price of the car. We also have to add an additional 6% to every monthly payment for a City of Chicago Lease tax. We are looking at this because of the tax issues described above.

    Please advise.
  • Based on the info that is on the website of BMW, I should be able to get X5 3.0i ( MSRP ~43000 ) for 426/month. Based on that, I can assume that they are using the following to calculate the lease

    1. Residual - 69%
    2. MF 0.00125

    and the same holds for 4.4i as well. ( Using 56000 as the price ). Since the dealers in MA are willing to offer 3% over invoice without any haggle, I am planning to offer the following to the dealer

    BMW 4.4i
    MSRP - $57,145
    Invoice - $52,600
    My Offer ( Adjusted Cap Cost )- 54178
    Down payment - $2500
    Trade In $3500
    MF 0.00125
    Residual - 69% ( 38640 )
    Sales Tax 5%
    Monthly Payment - ~435/month

    Does this looks right - Based on what BMW finance is offering on BMW X5 lease. (
  • djocksdjocks Posts: 124
    If you could wait, would you until August possibly September for an X5 on a lease? Also, is there any hope at all of the leasing of 06 3 series coming down?
  • kyfdxkyfdx Posts: 64,726
    The residuals aren't 69%... What you aren't taking into account is the selling price is discounted from MSRP... (Of course, they don't tell you what the selling price is, in their example).


    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 64,726
    Hard to say.. Sometimes incentives switch to cash, instead of good lease rates, and the leases get more expensive.. especially at the end of the model year... Pretty darn good 39 month lease specials right now on the X5..

    3-series? Price increase coming up on September 1st... that will probably negate any lease help that might be coming..



    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 64,726
    X5 4.4i Wagon

    36 mo/15k mi – 59% Residual Value – Money Factor .00075 Base Rate

    I believe they also offer this same residual for 39mo/15K...


    Prices Paid, Lease Questions, SUVs

  • djocksdjocks Posts: 124
    thanks for the info. i am trying very hard to wait for a good time on a 3-series. not sure if it is ever going to happen. my lease on an 03' 330i is just about done. I test drove the new 325 and absolutely loved it. Every bit my 330i. Can't even imagine how great the new 330i is!
    Thanks again for the help.
  • mdanemdane Posts: 10
    So, what is the base MF for the X5? Is it the same as the X3 (0.001)? What are the residuals for 12k miles? Do you have them for the 3.0 and the 4.4?

    Thanks. I think I may prefer the X5 over the X3. The X3 was very bouncy in the back seat.
  • kyfdxkyfdx Posts: 64,726
    X5 3.0i Wagon

    36 mo/12k mi – 61% Residual Value – Money Factor .00100 Base Rate

    X5 4.4i Wagon

    36 mo/12k mi – 61% Residual Value – Money Factor .00075 Base Rate

    I'm positive the numbers for the X5 3.0 are good for 39 months, as well..

    Not sure if that applies to the 4.4 model..


    Prices Paid, Lease Questions, SUVs

  • mdanemdane Posts: 10
    Is there a longer lease, like 48 months? I am trying to get my payment down below $550. The best I can do at the current rates are $600. That is with the 0.0075 and $1500 over invoice.
  • kyfdxkyfdx Posts: 64,726
    Yes.. but all of the low money factors are only on 36 month or shorter leases.. If you go to 48 months, the money factor jumps to .0027.. And the residual drops 19%...

    It would be even more...

    Realistically.... you can't lease a $60K car for $600/mo...


    Prices Paid, Lease Questions, SUVs

  • awd2003awd2003 Posts: 44
    I'm working with a dealer in FL. 2005 --3.0, Premium, Rear Climate package, Auto, Interior Mirror

    .0010 money factor, 10k /year 62% residual 39 months. $518. inc tx with fees up front
    I"m thinking less than $1000 over invoice. Any thoughts?
  • kscctsksccts Posts: 140
    EXACTLY! At a certain point, the rubber has to meet the road! :sick:
  • Kyfdx.. I'm looking to lease an X5 3.0 in California (LA) I was quoted a purchase price of $1500 over dealer invoice which makes my car $52,926.00 Including every conceivable fee... dealer, bank, security, taxes, lic, dmv etc. how much upfront cash should I be expecting to layout in order to have a payment under $550.? And, is it realistic to think I can get them to go for $500 over invoice? As you mentioned, they are pushing a 39 month lease. And they want me to put $5G down to have a payment of $560. (5G sounds like a big number...I have perfect credit) To get the options I want, I'm intending to order a car from the factory. So I want to close my deal this week and get it going. Thanks for the help!
  • kyfdxkyfdx Posts: 64,726
    MSRP is needed for any lease calculation... also, your tax rate and the selling price would help..


    Prices Paid, Lease Questions, SUVs

  • Did more work on the proposed deal today. Now I'm at $55770 MSRP, 52550 Sale price, 1275 fees($825 acquisition,$405 Lic, $45 Doc...and note they marked the acquisition fee up by $200), $4000 down, 61% residual, .0014 MF , 39mos which they say comes to a $589.90 payment. As you mentioned in an earlier post, I'm trying to get them to go with .00100 MF. If they were to do that,I think it would make the payment $552. and I would be golden. However, they are saying that money factor is for BMW loyalty to those who currently own a BMW. I'm moving to LA from NY and he knows I don't have a bimmer. So, here I am where I was before, they want me to put down $5000 in order to have a $560. payment. How do these numbers sound to you? And, if I keep pushing do you think they would go for the .00100 in order to close the deal? Thanks!
  • kyfdxkyfdx Posts: 64,726
    The BMW loyalty thing on the money factor is pure BS...

    You might be to the "Do .0010 or I walk stage... "

    Or.... "I want to write a check for $4K, and have my payment be $560/mo. or less for 39 months.. Do that and we have a deal.. Otherwise, I'm shopping elsewhere."

    Good luck...


    Prices Paid, Lease Questions, SUVs

  • sdevsdev Posts: 7
    On a X5 3.0 lease with Premium, Auto, floor mats, the dealer offered.....

    $4,000 at signing ($2,915 cap reduction)
    39 month
    1,000 miles/month
    MSRP $47,195, "deal value" $45,223
    Residual $29,078 (I won't buy at end of lease so don't care about residual)
    Payments $421 + tax = $453.96

    Sound OK? Anyone have comments?
  • I'm looking to get into an X5 3.0 Premium with Rear Climate pkg (with or without Sport pkg) by the weekend. Any info on recent cap costs (how close are you getting to invoice?) or 39mo/15K lease terms would be very helpful. Thank you!
  • amirasamiras Posts: 17
    Hi everyone! I've got this quote from my dealership and I would like to know if you think is fair or maybe I can do better:
    X5 3.0i

    $44420 MSRP
    $40915 Invoice
    $41915 Selling price (invoice + $1,000)
    $625 acq fee
    $400 security deposit
    $93 tags
    .0001 money factor
    .62 resid @ 10k
    39 months,
    3% sales tax (Virginia)
    $1083.93 first month, sec dep, tags
    $491 a month

    Thanks for any input that you can provide !!
  • kyfdxkyfdx Posts: 64,726
    I get $455/mo.+ tax.. Not sure how they figure the tax in Virginia, but unless it is 3% on the whole purchase price, it shouldn't come out to $36/mo.

    I used a cap cost of $42,540.. (selling price + acq. fee)..

    Ask them to break down the tax amount, or if the cap cost is some other number (and why?).

    A pretty good deal, though..



    Prices Paid, Lease Questions, SUVs

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