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2013 and earlier BMW X5 Prices Paid and Buying Experience



  • kyfdxkyfdx Posts: 64,880
    1) Yes, you will probably have a problem.. Dealers that mark up money factors are not usually easy to deal with..

    2) Credit score is fine...

    3) Security deposit is the payment rounded up to the next higher $50 increment..

    4) Selling price looks decent.. over $3K off.


    Prices Paid, Lease Questions, SUVs

  • mannydommannydom Posts: 41
  • SylviaSylvia Posts: 1,636
    Please do not type in ALL CAPS. It is difficult to read and people think you are yelling at them.
  • mannydommannydom Posts: 41
    so sorry...forgive me, please. what is the average residual % for this type of sav?
  • bmw4suebmw4sue Posts: 2
    Have never leased a car & now seriously considering doing so with an X5 3.0i just because I do not want to pay more than $500 per month, which I've been told I would have to if I purchased instead of leasing.
    If I bought a stripped, automatic for $43K with $7500 down, what should my monthly be? I'm a real neophyte so have no idea what a money factor is. I'm in Hollywood if that helps?
    Thanks v. much!
  • kyfdxkyfdx Posts: 64,880
    58% residual.. Money factor of .00125

    If they can find this vehicle, and they use the base money factor, $800-$1500 over would be a fair price..

    That said, I don't really follow pricing of X5s that closely..


    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 64,880
    First... you should never put a large downpayment on a lease..

    Also, if you put $7500 down on a 36 month lease, you are lowering the payment by about $220/month. Does this amount factor into your $500 payment?

    IOW, if you put $7500 down and your payment is $500/mo,in reality you are paying over $700/mo. for the car.


    Prices Paid, Lease Questions, SUVs

  • Just wanted some opinions on the following deal:

    2005 X5 3.0i
    MSRP: $49,220
    Selling Price: $47,395 (will try to get $47,000)
    Acquisition: $825 (will try to get $625)
    Residual: 58%
    Money Factor: .00125
    Due at signing: $700 Security + First month (inc tax)
    ** No Cap Reduction **

    Also, would like some opinions about the fact that this dealership (with two locations here) removes the Monroney Sticker from each and every vehicle and places it on the dash. Should I be concerned? I've never seen a dealer do this... It makes it more suspicious when they throw a set of 20" rims on one of their 3.0i X5's (supposedly to try to 'move inventory')...

    Last question -- how many miles does a BMW have upon delivery (no test drives at dealerships)

  • kyfdxkyfdx Posts: 64,880
    1) You don't say what your payment is?

    2) I'm assuming 3yr/45K lease...

    3) No cap cost reduction, but what is your amount due at signing? Does it include the acq. fee or is that rolled into the payment?

    4) My local dealer seems to have a lot of the window stickers on the dash as well... I'm not sure what that signifies, but I don't worry about it..



    Prices Paid, Lease Questions, SUVs

  • kyfdx,

    Yes, 3yr/45k.

    Payment: $642 + 7% Tax ($687)
    ... these are the numbers based on $47,395 selling and $825 acq. fee both of which I want to get lowered.

    No cap cost reduction. Amount due at signing is $700 dep + $687 + tag fees.

    Acq. Fee is rolled into payment.

  • kyfdxkyfdx Posts: 64,880
    Okay.. If you can get the price down to $47K even, and only a $625 acq.fee, then that will drop your payment down to approx. $625/mo. + tax..

    As I've noted above, I don't really follow X5 prices all that closely, but getting the base rates on a lease is a very important part of a good deal.. It seems at that price, it would be fair all the way around...



    Prices Paid, Lease Questions, SUVs

  • joe35joe35 Posts: 1
    Has anyone tried to lease a 4.8? My dealer tells me that the "special" leasing rates are not available for the 4.8. Anyone have any information or experience with this?
  • mannydommannydom Posts: 41
    dealer agrees to $800 over invoice
    58% residual factor is .00150 (3.6%)
    i may have to order this sav...may take 30-40 days. can i try to have dealer bring down MF or bring up residual? also, given that this is an ordered car ($1000 deposit required), can i bring down cap cost anywhere else? thanks so much
  • kyfdxkyfdx Posts: 64,880
    $800 over invoice is dirt cheap..

    Residuals are set by BMWFS and can't be adjusted (I'm assuming 3yr/45K?).

    Are you waiving the security deposit? .00025 is a strange MF bump up for a dealer....

    Make sure the acquisition fee is not marked up ($625 is base, everywhere but NY).

    The only negotiation room I see is the MF, but at only $800 over invoice, they may be solid on that number...



    Prices Paid, Lease Questions, SUVs

  • mannydommannydom Posts: 41
    thanks, kyfdx

    MF is .00150 not .00025

    i'm not sure where and how security deposit comes into play in the scheme of things...please explain

    is the destination charge already factored in the net cap cost? how may the dealer's calculation of monthly payment differ from mine?

    sorry for all the ????
  • bmw4suebmw4sue Posts: 2
    Thank you so much for your kind response. I didn't know how to direct my query to you!!

    Truth of the matter is, I really want to purchase. I have never leased before & I would prefer not to, just because I have always been told it costs so much more in the long run. However, if you think otherwise, I would be grateful to hear your input.

    If I decide to buy and if I can manage to put a $10K down pymt on an X5 for approx. $45K, do you think I could get a monthly pymt. of roughly $500 for 48 months? I realize there are other factors to consider, but I do have excellent credit and should be able to get very low APR from my bank. Does that help?
  • kyfdxkyfdx Posts: 64,880
    What I mean is.. the base MF is .00125.. The dealer had to bump up the money factor by .00025 to get the .0015 He is charging you a higher money factor than the lowest rate available..

    The destination charge is part of the MSRP and the invoice.. Just consider it a part of the base price.. It shouldn't enter into your negotiated price (IOW, they shouldn't be adding it on anywhere).

    Just watch out for any garbage fees (document fee, dealer prep, etc..)


    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 64,880
    At 4.5% for 60 months, you can only borrow about $27K, and still keep your payments at $500/mo.
    So, even with $10K down, your payment will be more than $500/mo on an X5...

    For that kind of payment, you should be looking at SUVs in the $32K-$36K range... Honda Pilots and Toyota Highlanders come to mind.... They have very aggressive deals on Pilots right now, and those are great vehicles with good re-sale.

    If that is your budget, an X5 might just be too expensive.. Leasing is just an alternate form of financing... If you can't afford to buy a certain vehicle, I wouldn't suggest leasing it, just to get the payment down..

    If you borrow $35K for 60 months, you are looking at a payment of $650/mo or more...



    Prices Paid, Lease Questions, SUVs

  • gnailuhgnailuh Posts: 13
    Hey, I just ordered my 2005 X5 3.0i at $500 over invoice. Including:

    Dimming miorros

    Do dealers usually break out the MACO charge when doing $X over invoice? I paid $500 over and the MACO, which $380. So I'm trying to see if I really got $500 over, or $880 over. From what I gather, MACO is separate when you go with invoice.

    Can't wait... 6 more weeks I hope.
  • mannydommannydom Posts: 41
    with regard to invoice price versus this the same invoice amount described in, say for example, edmunds or kelley...i.e. are dealers using the same invoice prices?

    what is the MACO charge?
  • mannydommannydom Posts: 41
    was the invoice price you paid for the same price as in edmunds or kelley? did you see the actual invoice sheet?

    did you get gap insurance?
  • rtirrortirro Posts: 1
    my wife and i test drove many suv's and finally decided on the X5 3.0i. the salesman at the dealership here in Maine said that they do not discount 3.0s. We want:
    prem pkg
    prem stereo
    xenon lights
    MSRP $48...
    lease payment of $748 w/$3500 due at signing
    Should we go to another state, ie Mass or NH since they are close enough. How will that affect the 4yr service? OR can we still nego w/ this dealer and how
  • mannydommannydom Posts: 41
    to kyfdx and anyone else who can help me...

    still on my first lease experience...

    2005 X5 3.0 only auto transmission as option
    MSRP $43670
    selling price $40810 ($800 over invoice)
    15K miles/year 36 months
    money factor .00125 (3.0%)
    residual 58%
    acquisition fee $625
    sales tax 8.75%

    my calculation on monthly payment is $577 (using calculator) my calculation correct or is his correct?

    dealer's calculation is $627...he says state of illinois (i'm in illinois) and another state calculates lease payment different from the other 48 states so he doubts reliability of calculator...i do not see why i should not believe him but why is my calculation different from his

    i did my homework...i thought leasing would be fun
    please advise...please
  • hpowdershpowders Posts: 4,301
    Assuming the acquisition fee will be paid in cash and will not be part of the capitalized cost, your monthly pre-tax payment should be $512.71. Adding 8.75% tax brings it to $557.57.
    I was able to verify my BMW lease with my dealer to the penny.
    I don't know about Illinois doing it differently, perhaps kyfdx or Car_Man knows, but I sure wouldn't do a deal where I come up with $557 and they come up with $627. Sounds like a $2500 over-charge.
  • gnailuhgnailuh Posts: 13
    Yes, invoice the same as Edmunds and Kelly, I checked to makes ure.

    I don't know what is Gap insurance? Can you explain?
  • kyfdxkyfdx Posts: 64,880
    In Illinois, you pay sales tax on the entire price of the car, not on the monthly lease payment... I think if you multiply the tax rate by the selling price, you will come pretty close to the dealer's payment.. Your calculations are right on the money, other than the tax thing..

    Sorry I don't have better news for you.. You have negotiated a great lease deal, otherwise...



    Prices Paid, Lease Questions, SUVs

  • nyccarguynyccarguy Stamford, CTPosts: 11,334
    Any dealer that says they don't discount should run the other way and don't look back. It doesn't matter where you buy your BMW, EVRY BMW service center MUST honor the 4 year/50K warranty & free maintenance. Some dealerships won't give you a priority service appointment or a loaner car if you don't buy from them.

    2001 Prelude Type SH, 2011 Pilot EX-L 4WD, 2015 Infiniti G37x Q40 AWD

  • kobayashikobayashi Posts: 50
    Gap insurance covers the difference between what the car may be worth if totalled and what is remaining on the lease. BMWFS as well as others include GAP insurance in their leasing programs.
  • mannydommannydom Posts: 41
    how is gap insurance incorporated into a lease plan or program? thanks
  • gnailuhgnailuh Posts: 13
    Anyone know the current finance rate? My new X5 should be here in about a month... I'm buying, will pay cash, but if finance is good, 2.9% or under, I'll take a 5 year. Any ideas?
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