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2013 and earlier BMW X5 Prices Paid and Buying Experience



  • ten2ten2 Posts: 2
    Based on the edmund's lease calculator, I get a cap cost of $46,800 with a 60% residual (for 12K/ 36 mo lease) and a .00125 base rate. This gives you $595/ mo. before NJ taxes. How did you derive your calculations?
  • kyfdxkyfdx Posts: 53,743
    I use a spreadsheet and a mathematical formula... They are pretty simple calculations.. Edmunds lease calculator is not very good..


    Prices Paid, Lease Questions, SUVs

  • Im looking at a X5 3.0...

    Exterior - Sterling Gray
    Interior - Black
    Dark Grain
    Premium Package
    Xenon Lights
    Cold weather package
    Rear climate package

    Lease with 5,000$ Total out of pocket.
    MSRP = 51,170$
    36 months with 15k miles a year.
    They took off 2500$ MSRP
    Lease payment = 575$

    GOOD DEAL OR WHAT ??????????????
  • kyfdxkyfdx Posts: 53,743
    Assuming about $350 for registration fees, it does appear that you got $2500 off MSRP for the selling price, and that they used the base rates....

    I usually advise against putting that much money upfront, but you did get a good deal.



    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 53,743
    With only $1700 due at signing, I see about $673/mo.. Which is the way I would go..

    I'm assuming all payments include NJ 6% sales tax..


    Prices Paid, Lease Questions, SUVs

  • Hi.

    I'd like to start a dealing process here in Calgary, Alberta for an X5 3.0. It would be appreciated if you could get me some Canadian experience, such as dealer invoice and etc.

  • kobayashikobayashi Posts: 50
    Anybody know the special BMW finance rates for a 2002 CPO X5 3.0 (purchase not lease)? Thanks.
  • I didnt make the purchase yet. So you think i should tell them just costs for the down payment which equals 1700$ ? and get the monthly cost to 673$ ? Is it bad that they used base numbers?

    Thank you very much for your help.

    Matthew Linda
  • kyfdxkyfdx Posts: 53,743
    The base rates are very good.. also known as the "buy" rate, meaning that is the lowest they can charge... Many BMW dealers mark-up this rate.. they call that the "sell" rate..

    I suggest paying as little upfront as possible.. If you put down a large amount, and then your vehicle was stolen or totaled, the lease would be paid off, but you most likely wouldn't get any of your downpayment back....

    So, yes.. 1st payment, security deposit and title fees only upfront.. That should bring the payment to $673/mo (or within a couple of dollars of that).



    Prices Paid, Lease Questions, SUVs

  • OK i went into the dealership today. I got it down to $560 a month with $5000 down total out of pocket. Tomorrow im going into sign the contract and pick up the truck. What should i expect? Should i assume on getting floor mats, and a full tank of gas?

    Any other hints anyone could give me ?

    Thank you Kyfdx and whoever else has feedback.
  • kobayashikobayashi Posts: 50
    Anything that you have not already discussed or have in writing will become tougher on car pick up day. I would clarify the mats and any other little issues BEFORE physically going to the dealer. Once you are at the dealership and looking at the shiny new truck, you will be more likely to accept minor changes or snags.

    Know exactly how much down you need or assumed in writing that day and any last mimute charge BEFORE entering the F&A dungeon. If the numbers look different, call your sales guy over and remind him the numbers you were expecting. Once you are willing to let some new number creep in, you are opening up the shark tank.

    The amount of gas is a courtesy and depends on the dealer (and I supect oil prices will mean less fill-ups).

    Don't skip over an offer to have the sales guy run through the new car with you - he may find issues that you may not see until it's home, where you are more likely to let small stuff go.

    Good luck, the X5 is a great SAV.
  • tlarsontlarson Posts: 1
    What dealer were you referring to in the bay area? Thanks!
  • hpowdershpowders Posts: 4,300
    I suggest you read or re-read KYFDX's second paragraph in post #200 above. Putting down $5000 up front on a lease can be a crucial mistake.
  • SHOULD I GO IN AND ASK FOR 3000 off MSRP and FINANCE IT ? or is the lease deal better ?
  • im going crazy i guess i was overwhelmed. I put $2500 down on my CC. Can i still negotiate the deal? The deposit sheet says 560$ month 36 months 15k miles.

    am i in it too deep ? please help
  • kyfdxkyfdx Posts: 53,743
    I don't think you are in too deep... If you already have the $2500 on your credit card, then let's just leave the due at signing at that amount...

    If they wanted $560/mo with $5K upfront, then it should be about $640/mo with $2500 upfront...

    It doesn't matter to the dealer... they get the same amount from the bank, either way.. Just call them before you go in, and tell your salesperson to re-do the paperwork with only $2500 due at signing.. and that you realize that should change the payment by "about $80/mo.".

    Very simple... don't let them kid you... It takes all of 60 seconds to change it in the computer and then have it spit out of the printer....

    Just remember.. if it is $560/mo tax included with $5K upfront, it should be $640/mo. tax included with $2500 upfront.


    PS: For those of you playing along at home.. I know $2500/36 = $69.44... But, the payment is $80 higher and the security deposit is $50 higher, raising the due at signing by $130, and you have extra finance charges due to the higher cap cost plus 6% NJ sales tax..


    Prices Paid, Lease Questions, SUVs

  • baj1106baj1106 Posts: 8
    Been toying bet purchasing the X5 or the FX35. Its not apples to apples, but...Ive been trying to convince myself to stretch the $$ for the Beemer, and I got quote to buy fm local dealer for a stripped, automatic and leather only, for $43, tax, tag ...sticker is $45, 120....another dealer had a few'04 X5 3.0 CPO's with bet 14 and 16k miles for $39,995., with sport, prem pkgs, etc. and could prob get $1k off that price...any thoughts out there in Beemer-land?
  • kobayashikobayashi Posts: 50
    2004 CPO's X5's with options for $38-$39K sounds pretty good to me. No real changes over current model. '02's with over 45k miles are listing at $34K on many lots. A CPO'ed '04 would also have an extended warranty.
  • Hello - My name is Katie and I think my being female just lent my salesperson to (try to) take me a tad bit more than my male counterparts in negotiating my X5 4.4 lease deal. Any advice would be GREATLY appreciated. I like to think I am semi-financially savy and with the responses I was given today, I think I should be insulted. These are the specs of what I was looking at:

    2005 - X5 4.4
    Loaded, MSRP of $63,345
    36/10,000 lease
    Buying in Virginia (sales tax comes to $2,040)

    They told me:

    (1.) 2005 - "We do not negotiate off of MSRP on the 4.4's" (call me naive, but I think that is total bull)

    (2.) Offered me a MF of .000125 (after looking at other posts, seems in line, however I have seen .00010 but am confused if that is model specific or industry standard - please confirm)

    (3.) Residual % of 61% (seems in line with other posts)

    (4.) $850 security deposit - do I have to pay this? Negotiable?

    (5.) Upfront acq. fee - $825, Processing fee $199 (both negotiable I presume?)

    My original numbers included $2500 down, however after reading earlier posts, I am taking the advice on the board, that is not a good move and will move forward on making calculations with a zero down pmt.

    In a nutshell - are the fees/ratios they are quoting me valid or am I being taken? Also, the biggest it realistic to get $1500 to $2000 off of MSRP on a X5 4.4?

    Any advice/experience/guidance is GREATLY appreciated.

  • kyfdxkyfdx Posts: 53,743
    1) No experience with pricing on an X5 4.4, but I don't think BMW would have below market money factors on it, if they were selling that well..

    2) The money factor on the X5 4.4 is .00125

    3) Residual of 61% is also correct.

    4) You can have the security deposit waived in exchange for an increase in the money factor.. But, it is a better deal to make the security deposit.

    5) Base acquisition fee is $625.. that is not negotiable and goes to the bank... The $200 that the dealer marked it up is negotiable.. and I would assume the processing fee is also...

    I have to believe that $2K off shouldn't be too hard on a $60K vehicle....

    I wouldn't be insulted though... Their job is to get the maximum amount of money.. your job is to pay the minimum amount.



    Prices Paid, Lease Questions, SUVs

  • I am glad nolift911 brought this topic up.

    MSRP: $60,875 (CA tax: 0.0775)
    36 months/10,000 miles
    5,000 Down Drive Off
    Money Factor: 0.000180 (I think this is too high)
    How would one approach negotiating the money
    facotr when dealers claim BMW sets these
    factors. I am thinking my dealership is
    inflating the mf.

    My lease will be 763.87/month including tax

    Good deal? My salesperson didn't say anything about a security deposit, but he did include a $200 Maco training fee or something like that.
  • kyfdxkyfdx Posts: 53,743
    They are killing you here...

    Without a breakdown of the drive-off amount, it is hard to know exactly.. but this is what I see:

    A discount of about $1000 from MSRP..

    Money factor jacked up the maximum .0004 + no security deposit waiver fee of .00015.. (base MF is .00125)

    Acquisition fee marked up to $825 from $625.

    This might not be exactly it.. but, it works out the same.. Not too good.


    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 53,743
    MSRP $60,875
    Selling price $58,875 (just making one up, $2K off)
    CAP cost $59,500 (selling price + $625 acq.fee)
    36mo/30K lease
    Residual 61%
    MF .00125
    Payment $742 + tax = $798/mo.including tax.

    Drive-off: 1st payment, security deposit, title/license fees.. Should be under $2000 total.

    So, $3000 less upfront and $34/mo. more on the payment.. About $1875 less over the term of the lease.. If your price was $1000 under MSRP, the payment would go up to $831/mo tax included.

    I think at $2K off MSRP, that still leaves a $3K profit for the dealer, at least.. Like I stated above, I have no idea what the market is for the X5 4.4, but if it is any more expensive than that, I wouldn't be interested. It is also entirely possible that the market is lower than this..



    Prices Paid, Lease Questions, SUVs

  • Thanks for yout help, kyfdx. 763.87/mo and still bad ey. Do you know how I can figure out BMW's base money factor for everymonth?
  • autophileautophile Posts: 14
    Just closed deal this week for 3.0i X5:
    Premium Pkg
    Cold Weather Pkg
    Rear Climate Pkg
    Comfort Seats
    Htd SW
    Park Dis.
    List= $51,270
    Selling Price= $48800 ($1875 over invoice)
    I get $1000 back from BMWCCA (I've been a member for several years--this will be my 5th BMW) so net is $875 over invoice.
    This isn't as good as some posts, better than others. Hopefully some of you can do better yet. Good luck
  • ez1703ez1703 Posts: 3
    What is the money factor on a 2005 X5 3.0?
  • kyfdxkyfdx Posts: 53,743
    Same as the 4.4

    36 mo/15k mi – 58% Residual Value – Money Factor .00125 Base Rate


    Prices Paid, Lease Questions, SUVs

  • ez1703ez1703 Posts: 3
    Thanks. Is this deal okay? I am paying $47,905 (MSRP is $51,020) for an X5 3.0 with:
    Rear Climate

    I ordered it a month ago and they told me the money factor was .00180 and Residual was 60% on 36/12k. $725 acquistion fee. I am going to go with 36/15k. I live in VA(4% sales). Can you tell me what I should looking in paying for month and how much I should put down? I was thinking 5k. Thank you so much.
  • kyfdxkyfdx Posts: 53,743
    1) They are marking up the money factor

    2) Base acq.fee is $625

    3) You should never make a downpayment on a lease.. Just 1st payment, security, and acquisition fee upfront (or even roll acq.fee into lease).

    $51,020 MSRP
    $47,905 Selling price
    $48,530 CAP cost (selling price + $625 acq.fee)
    3yr/45K lease
    Residual 58%
    MF .00125
    Payment = $624 + tax = $650/
    Due at signing = 1st payment, security deposit, title/licensing fees. ($1300 + fees)



    Prices Paid, Lease Questions, SUVs

  • ez1703ez1703 Posts: 3
    Am I going to have a hard time lowering the money factor from .00180? I have a credit score of over 700. How much is the security deposit? Is the selling price ($47,905) a decent price? Sorry about all the questions...First time leasing.

    Thank you.
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