BMW 3-Series Lease Questions

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi mefromfl. BMW extended its January lease programs unchanged through the end of February on all 2007 models, except for the 5-Series which got slightly worse.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Welcome back, rxke. You certainly are considering leasing some very nice cars. Let's take a look at the current lease programs for the cars that you are interested in.

    Through February 28th, BMW Financial Services' 36 month, 15,000 mile per year buy rate lease money factor and residual value for the 2007 328xi Sedan are .00190 and 61%, respectively.

    Through March 5th, Audi Financial Services' 36 month, 15,000 mile per year buy rate lease money factor and residual value for the 2007 A4 2.0T Sedan with quattro are .00080 and 57%.

    Unlike last month, Lexus is not providing any lease support on the IS 250 AWD in February. As a result, if you want to lease one through Lexus Financial Services right now you will have to use its standard lease program. LFS' buy rate standard lease money factor varies by region, but it currently should be around .00275 for consumers who qualify for its Tier 1+ credit tier. I haven't seen this car's February residual values yet. I'll look around and see what I can find out for you. Post a reminder for me in the Lexus IS discussion and I'll let you know what I am able to find out for you.

    Through February 28th, Mercedes-Benz Financial's buy rate lease money factor and residual value for a 36 month lease of a 2007 C280 4Matic with 15,000 miles per year are .00105 and 54%, respectively.

    Last but not least, through February 28th, Infiniti Financial Services' 36 month, 15,000 mile per year buy rate lease money factor and residual value for the 2007 G35 AWD Sedan are .00211 and 57%.

    I don't believe that there are any cash incentives available on leases of any of these models at this time.

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  • rxkerxke Member Posts: 168
    Thank you for your help.. It is greatly appreciated. With this information I am empowered to negotiate the best deal I can pull off. I am probably going to eliminate the Lexus because they are not doing any incentive deals and they have a comparitively higher money factor than the other cars I am considering.

    Thanks again and I will keep you posted.
    Ron
  • ajp00ajp00 Member Posts: 17
    Car_Man,

    Can you tell me the MF and residuals on the

    328xi coupe 12K for 36 months
    335i coupe 12K for 36 months?

    Looking to lease by the end of Feb.

    Thanks
  • roxy68roxy68 Member Posts: 6
    I'm leasing a 335i. Is the acquisition fee the same thing as gap insurance? Please let me know. Thanks.
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi toro1. Any of the money factor information that I provide consumers with in this forum definitely is correct. Any dealer that tells you otherwise is likely lying. If think that you are being lied to by a dealer, the best way to find if you are is to use your feet. It is unlikely that a dealer will be willing to let you walk over a little money factor mark-up.

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  • reflectionreflection Member Posts: 3
    Hi Car_man,

    The values that you posted for the BMW 328xi, Audi A4 2.0T Quattro, and Lexus IS250 AWD: what are their respective "acquisition fees?"

    thanks,
    reflection
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi vonrauss. What you heard is correct. BMW's lease program for the 2007 3-Series is exactly the same in February as it was in January.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Here's the information that you're looking for, Tom. BMW Financial Services' current buy rate lease money factor and residual value for a 24 month lease of a 2007 BMW 328xi Coupe with 15,000 miles per year are .00100 and 68%, respectively. The numbers for an otherwise identical 36 month lease are .00100 and 58%.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Greetings cadabra. What is this car's MSRP? That number will show me how much of a discount you are being given and it will enable me to use BMW Financial Services' actual lease program to estimate what this car's monthly payment should be.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey Dallas,TX Girl. While there's no guarantee that you can do better than full MSRP for this car, you can't do much worse, so it wouldn't be a bad idea to shop around a little bit. Make sure to stop by the following discussion to see how much other community members have paid for similar cars lately: "BMW 3-Series: Prices Paid & Buying Experience".

    BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2007 328i Coupe with 12,000 miles per year are .00125 and 60%, respectively. BMW FS' base lease acquisition fee is $625. Using these numbers and the price that you mentioned in your post, an MSRP / selling price of $37,270, I estimate that this car's 36 month, 12,000 mile per year zero down, pre-tax monthly payment should be around $489.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're very welcome, Ron. Make sure to let us know how everything turns out.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Here you go, ajp00. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2007 328xi Coupe with 12,000 miles per year are .00100 and 60%, respectively. The numbers for an otherwise identical lease of a 2007 335i Coupe are .00175 and 60%.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi roxy68. I believe that BMW Financial Services automatically includes gap insurance in its leases, but you may want to check with your dealer just to be certain. The acquisition fee probably goes to cover part of the cost of the gap insurance, but unlike regular gap insurance it is not optional. BMW FS charges a $625 acquisition fee on every vehicle that it leases.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello reflection. All three of these banks acquisition fees are about the same. BMW Financial Services charges a $625 acquisition fee. Audi Financial Services charges an acquisition fee of $575. Lexus Financial Services charges an acquisition fee of $600.

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  • cadabracadabra Member Posts: 2
    Hi Car man. Thank you. The MSRP is $33,095.00. The exact amount I would bring to the dealership is $2,012.20 (net of trade less payoff on my trade. I was given a trade in value of about $8300 and owe about 6300). I believe the acquisition fee is $895. License Fee is $159. Doc Fee is 189 and Tire Tax is $6.00.
    Thanks again.
  • ajp00ajp00 Member Posts: 17
    Thanks Car_Man

    Can you also let me know the MF and residuals on the same cars with the same mileage but on a 2 year lease? Thanks
  • luvautoluvauto Member Posts: 25
    Thanks Car Man and KYFDX - great job.

    bmwusa.com has a lease offer for o7 328i sedan at 349x36. What is the MF in this offer? or is it with Dealer Credit? Last month, the same(MSRP) was offered at 369x36 (MF .0019, Dealer Cr of $900), other factors being equal.

    Learn and Share :)
  • bogo420bogo420 Member Posts: 1
    I leased a BMW 328i last Saturday and drove off the lot. Within 4 hours I got t-boned by an uninsured driver with no lisensce. My insurance company is trying to determine if the car is totaled or can be repaired. I am being told it will take 3-4 months to repair. I have to pay for a rental car and lease payments until the car is fixed. I believe I will be out of pocket for a car I don't have upwards of $5000.00. Is there any law that protects me as a lessee that could put back into a brand new BMW since it wasn't my fault and I just got the vehicle hours earlier?
  • rich644rich644 Member Posts: 12
    Greetings, my local dealer still has 3 left over '06 M3 convertibles on the lot.

    I remember in December there was a lease special for '06 convertibles. I was guessing that two months later and the new retractable hardtops coming next month, that there may be some sort of incentives to clear these units.

    Any one hear of any aggressive lease specials for left over '06s

    thanks in advance

    Rich
  • omfs4omfs4 Member Posts: 2
    Just offered a 2007 328i sedan with manual, navi, heated seat and bmw assist w/bluetooth...

    MSRP 36445
    Final price 34500 (500 above invoice)
    RV 64% (10k each year for 3 years)
    MF: 0.0015
    Tax: 7%

    No downpayment except fees and security deposit..(about 1600)

    Monthly payment $425 a month

    How's the deal sound?
    There's a deposition fee when i return the car after the lease ends...is that common? I've never heard of such fee until today. anyone?
  • smithsongasmithsonga Member Posts: 123
    The Feb 335 coupe lease deals, BMW uses an example of a unit with the automatic transmission. Does this deal require the auto or was that just an example?

    thx
  • steveinvtsteveinvt Member Posts: 17
    I picked up my monaco blue coupe today and it is amazing. Took it on some back roads and had a blast.

    I want to thank those of you who helped out in the lease process. It was an education....
  • tcn2ktcn2k Member Posts: 277
    How exciting! I am picking up my 335i sedan this Saturday!
  • jnd121jnd121 Member Posts: 4
    How accurate is the lease calculator on the BMW USA webpage? I built a 328xi sedan with the sport package and it estimates a payment of $459 with $2500 down (36mo. 12k miles). The dealer that I am working with told me that the website does not include taxes in the price and quoted with a price of $512 a month. Does this sound accurate?
  • vonraussvonrauss Member Posts: 25
    These forums have been INVALUABLE to me during the car search process. So, I felt I should post MY success story (or, at least I'm happy with it)!!

    Bought the car in SoCal (Black-on-black, of course)!

    BMW 328i, Premium, Navi, Xenons, Aluminum Trim
    MSRP: 40420
    Cap Cost: 38700
    Acq: 625
    Doc: 45
    DMV: 346
    Tires: 7
    Money Factor: .00155 (yes, it IS possible to get close to the buy rate)
    Residual: 63%

    3 years, 12K miles per year.

    Total Drive-Off (including zero down): ~$870
    Monthly Payment (including 8.25% tax): ~$525 per month

    I apologize that I couldn't be a bit more precise in those last two numbers, but I lost the paper I wrote them down in during the excitement.

    No HIDDEN costs (mats, etc, all included)! Dealer was very professional and easy to work with.

    I'm VERY happy with this deal, and would be happy to help anyone out in the SoCal area if you need some tips!

    Thanks again to all of you for your help during this process!

    Von Rauss
  • maxim49maxim49 Member Posts: 41
    Von Rauss -
    I have a question for you - how is tax calculated in SoCal for a lease? Because I'm running your numbers and I'm getting a different monthly payment, but I'm using a lease calculator for NJ, where the tax is calculated only the depreciation amt, where that would be about $926 over 36 months.
    Thanks!
  • vonraussvonrauss Member Posts: 25
    Maxim-

    You pay tax on a monthly basis (its compiled the same way as regular sales tax). My base payment is around $490 per month, with 8.25% sales tax charged per month. I'm not sure how it shakes down in Jersey, but that's the way its handled here...

    Hope this helps.

    Also, again, I didn't have the exact numbers when I posted. The monthly payment including tax could be off a few bucks, and the downpayment 20 or 30 bucks...
  • chasen1013chasen1013 Member Posts: 3
    Here's what I was just quoted. Is this a good deal? The money factor looks high to me.

    2007 BMW 328xi Sports Wagon $36100
    Alpine White $N/C
    Terra Dakota Leather $N/C
    Steptronic Automatic Transmission $1275
    Cold Weather Package $600
    Premium Package $3150
    Park Distance Control $350
    Xenon Headlights $800
    BMW Destination Charge $695
    Total MSRP $42970
    Selling price $41896

    36 month lease
    10,000 miles per year
    MSRP $42970
    Selling price $41896
    Lease rate .0026500
    Residual 63% $27071
    First payment due at inception
    $625.65 per month plus tax
  • toro1toro1 Member Posts: 7
    Von:

    I'm in southern california and will be actively looking within the next month or two. Any suggestions you could give me in the forum about dealerships (or anything else) or offline would be very much appreciated. Thanks in advance.
  • luvautoluvauto Member Posts: 25
    Feb MF for 328i Sedan is .00155 for 24 and 36 mo. The offer includes $625 Acquisition Fee.
  • steveinvtsteveinvt Member Posts: 17
    Chasen1013,

    The money factor seems very high, plus you might be able to knock a bit more off the selling price.
  • maxim49maxim49 Member Posts: 41
    Von -
    Thanks for the quick response. Were the DMV, Acq costs rolled into your monthly payments?
  • rxkerxke Member Posts: 168
    Hi

    I just received a price of $700 over invoice($37,480 sales price) with a money factor of .00190 and a residual value of 61% for 3 years and 15k per year. They also want a security deposit of $550 and an acquisition fee of $625. With taxes rolled in the payment is $559.70 with $1802.20 due covering the security deposit, acquisition fee, inspection sticker-$10, doc fee-$45, and NY tire tax-$12.50. Is this a good price?

    Thanks
  • jlbmwjlbmw Member Posts: 3
    I'm likley going to lease a new 335i and I saw a post which showed the money factor at a .0015. In my initial conversations with the dealer, they were qouting me a .0021 and mentioned it is higher due to not putting up a security deposit and there was .0004 built in for dealer profit. I want to negotiate the money factor as close to the .0015 as I can.

    Is there a guideline as to how much profit over the .0015 the dealer should get? Also, anyone know how much needs to be added to the .0015 if I don't up a security deposit?

    I'm located in the Washington DC area, in case there are regional adjustments.
  • ucsbmwucsbmw Member Posts: 5
    Hi Car Man,

    I'm looking to lease a 2007 335i coupe. I'd like to know what the current buy factor and residual is for a 36 month lease going 10k miles/year for the month of Feb. In addition, could you tell me what a good purchase price would be based off MSRP? My main goal is to get the lowest possible monthly payment with max $1k drive off (don't want a 60+mo lease). If you have any other suggestions other than the scenario I'm inquiring about, I would appreciate it. Thanks so much for your help!

    p.s. I'm getting this through Crevier BMW
  • smithsongasmithsonga Member Posts: 123
    Money factor is 0.00155 without security deposit. They can upcharge 0.0004. He is trying to scam you into thinking the .0004 is the .00005 upcharge. If that makes sense.
  • vonraussvonrauss Member Posts: 25
    Toro-

    Yes, I actually do have three simple uggestions for buying in SoCal.

    There are a TON of BMW dealerships out here, so the competition is fierce. Use the dealerships in the outskirts (so, for example, I would speak to people in Norwalk, etc) to get your baseline quotes. Then use those quotes as leverage at the dealerships that are closer to you. So, I ended up getting my best price from a dealership that was almost 40 miles away, but then, with some haggling, I got my local BMW dealership to not only match, but beat the price.

    ALWAYS deal with the internet department ONLY! NEVER walk into a dealership and deal with a salesperson. If you do go to a dealership without contacting the internet fleet group first, tell the person when you arrive that you want to speak with the internet group!

    Lastly, develop a relationship with internet sales consultants at the dealerships. There is a science to selling, and it works both ways. They try to create ownership for you by calling it "your car" and getting you to test drive it ASAP. YOU can work with these people over a month or so period. Become friends with them. Banter a bit. Trust me, you can sell them on YOU. They will do whatever it takes to sell you a car. If you want me to elaborate more, please let me know...

    These are my general SoCal suggestions. Its easy to get a great price here because of the competition!

    Hope this helps!
    Vonrauss
  • vonraussvonrauss Member Posts: 25
    Maxim-

    Yes, the DMV costs were rolled into my payment. But since I have the buy rate on the car, I didn't mind much.

    Also, it is my understanding that the BMW Acquisition (bank) fee is $625 minimum, so DEMAND this (most places mark it up to $850).

    Another piece of advice is demand that the salesperson give you any aftermarket accessory at THEIR cost. Trust me, none of them will have any problem doing this.

    Hope this helps!
    Vonrauss

    P.S. Be wary of dealerships that will try to throw in a bunch of hidden costs at the end. Make sure that simple things like mats, etc are included.
  • ucsbmwucsbmw Member Posts: 5
    Hi Guys,

    Can anyone help with my questions? Message #1202.

    thanks
  • jlbmwjlbmw Member Posts: 3
    So, anything over .00155 is profit to the dealer? They have come down to 0.185. Is that to much profit to the dealer? If they get to greedy, I may just purchase the car with my own financing. Then, they get no profit on the lease or financing.

    Also, what is the required acq. fee? They are quoting $825.

    Thnaks.
  • jnd121jnd121 Member Posts: 4
    I would like to know the money factor on an 07 328xi sedan for a 36mo/12k mile lease. Any help would be greatly appreciated. The dealer I am working with quoted me with .00220 which I think is pretty high. This with $3200.00 down.
  • smithsongasmithsonga Member Posts: 123
    2007 BMW 328 Series 328xi Sedan

    Add 2% to Residual Value for 12k mi/yr and 3% for 10k mi/yr on all terms

    24 mo/15k mi – Residual Value 71% of MSRP – .00190 Money Factor Buy Rate
    36 mo/15k mi – Residual Value 61% of MSRP – .00190 Money Factor Buy Rate
    48 mo/15k mi – Residual Value 44% of MSRP – .00320 Money Factor Buy Rate
    60 mo/15k mi – Residual Value 35% of MSRP – .00320 Money Factor Buy Rate
  • ucsbmwucsbmw Member Posts: 5
    I'm looking to lease a 2007 335i coupe. I'd like to know what the current buy factor and residual is for a 36 month lease going 10k miles/year for the month of Feb. In addition, could you tell me what a good purchase price would be based off MSRP? My main goal is to get the lowest possible monthly payment with max $1k drive off (don't want a 60+mo lease). If you have any other suggestions other than the scenario I'm inquiring about, I would appreciate it. Thanks so much for your help!

    p.s. I'm getting this through Crevier BMW
  • skid2skid2 Member Posts: 1
    Considering placing an order to lease a 335i convertible. This is the first time I'd be leasing a car that just came out. What should I expect in terms of a dealer's willingness to negotiate the purchase price. I'm sure I'll get the standard comment "because the car is so hot, we're not reducing below MSRP."

    (I realize I still have to negotiate over all the lease terms as well, but want to figure out the general willingness to haggle on the overall price first.)
  • jvegajvega Member Posts: 2
    Hello, I'm looking to lease a 2007 328i Coupe auto, premium package, sport, xenon, 36 months @ 20,000 miles per year. I can put 2,500 down or towards my cap reduction. I am in Houston and would like to know what a good deal would be. This is my first time leasing a car - need help! Thanks!
  • amg06amg06 Member Posts: 2
    Sorry I just copied over from what the have sent me but reading this forum this sounds really high. what am i missing and what can i negotiate with. Location So Cal.

    Here are the rates you requested:

    2007 BMW 335 i (M6) 2dr RWD Coupe
    Price: $ 47,820.00
    Exterior Color: Jet Black
    Interior Color: Saddle Brown/Black


    VEHICLE DETAILS

    Engine: 3.0L DOHC 6-Cylinder Turbocharged STD
    Radio: Anti-Theft AM/FM Stereo CD/MP3 Player STD
    Monotone Paint Application STD
    Transmission: 6-Speed STEPTRONIC Automatic $1210
    Sport Package $910
    Premium Package $2230
    Comfort Access Keyless Entry $455
    On-Board Navigation System w/iDrive $1910

    LEASE
    -------------------------------------------
    Bank BMW Financial
    Term 36 Months
    Miles Per Year 12,000 Miles
    Drive Off Amount $2,100
    Payable To BMW
    Monthly Payment $714.93 (tax included, $663.51 pre-tax)
    Residual Rate 60%
    Residual Amount $29,172.00

    At 15,000 miles, the payment goes up to $742.88 with tax.
  • roxy68roxy68 Member Posts: 6
    You should be able to get at least $1500 off MSRP. You may have to shop around. I would not recommend that dealership. Also, plan on ordering and waiting for this vehicle.
  • ucsbmwucsbmw Member Posts: 5
    so i should be looking for $1500 off msrp even if i order it and it's in high demand? I did order it, should be coming around april. What is the buyrate money factor and residual on this car?

    Thanks for your help!
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