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2013 and earlier BMW X5 Lease Questions



  • Here's the info that you're looking for, ml2005. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2009 X5 4.8 with 15,000 miles per year are .00155 and 56%, respectively. Make sure that you insist that the dealer use these numbers to calculate your truck's payment.

    Also, BMW just introduced a new $2,500 cash incentive on leases of this model. Make sure to take this cash into account when negotiating its selling price.

    Prices Paid: Buying & Leasing Experiences Forum
  • tombrtombr Posts: 3
    Looking to take advantage of the 2500 off. Here is my deal
    MSRP - 55,120
    Residual - 58%
    MF - .00180
    36 month lease

    I am offering 48,480 (50,980 invoice - 2500)
    My lease calculation comes to 557.42 (7% tax for NJ)
    Not sure about the basic fees but assuming within 2000.

    A question i had was what determines the 10k or 12K lease? Will the Resid or MF change ?
    Thanks for any feedback
  • x5 3.0 residuals
    58% for 10K
    57% for 12K
    55% for 15K
  • I am looking for a similar deal in NJ. Please let me know if you are able to get one.

  • Hi Car man, can you provide mF and residuals for X5 3.0 si. Also is 2500 incentive available on 3.0 si as well. Thanks!
  • need factors and residuals and any incentives for X5 3.0
    also appreciate buying experience .....what are people paying under MSRP
  • Hi recently got a x5, nice car did not want to buy the car b/c of know reliability issues.
    Here is the lease purchase from fields bmw in orlando florida..not sure if i would recommend them.
    10k miles, mf .0043 / approx 898 per month...
    no discounts
    msrp of the car 57800 negotiated price down to 54895..
    but think I got screwed on the money factor around 5% ..any thoughts?
  • Hi Would you know if 2500 rebate is still available on X5. Also what is good price to get the X5? How much above below invoice if 2500 is included.

  • tombrtombr Posts: 3
    I think the $2500 is gone. It ended end of Jan (if somebody knows differently please let us know). They are now offering 1750 off for current owners. Does anyone know if the $2500 will come back? I think a good price would be a few hundred over invoice. In these times you should be fighting hard.
  • Slight correction. They are offering $1,750 off for current BMWFS customers (along with a 0.0003 reduction in the MF). If you're a current owner (and this would be my 3rd BMW in 4 years), but do not currently lease or finance through BMWFS, they have nothing for you.

    I desperately want to replace my totaled X5 (2004 4.4i) with a new X5, but BMW does not seem to want to play ball in this economy. Sadly, I'll probably end up buying an MDX this weekend.
  • Hey I'm new to the forum. Am on my 2nd X5 3.0 lease which will be expiring soon. I qualify for BMWFS Loyalty $s and am looking for new X5 3.0 '08 or '09 with leather/heated seats. Would greatly welcome thoughts on the best lease deal you think I can negotiate with No Money Down. Thank you all. :)
  • Please tell me if BMW still has the $2,500 cash incentive on leases of this model (X5 3.0)? Also, I qualify for BMWFS customer loyalty and was wondering if there are additional savings I could take advantage of? Are there any other savings you can think of?

    What fees are negotiable and can I ask dealer to waive?

    Please provide the mf and residuals on a new '08 and '09 X5 3.0 with leather seats and heated seats.


    Are lease rates on CPOs aggressive?

    I'm open to any and all suggestions for negotiating an aggressive lease deal on above specs with no money down. Thank you so much!
  • Curious if you were able to get a deal with these terms? I was offered $599.00/month taxes (NJ) included with $2500 + inceptions at signing. MSRP on the vehicle they are trying to move is $49,575 (I don't think there are any options in it other than heated seats). 36 months 10k mile/year. MF = .0018 RESIDUAL = 58%. Willing to give me the $1,750 despite not being current or recent BMW owners.

    Also got a phone quote from another dealer for $648/month based on the same terms above except only $24++ due at signing and a MSRP of $54,+++.
  • Hey dollar_pound. Here's the info that you're looking for. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2009 BMW X5 3.0i with 15,000 miles per year are .00180 and 55%, respectively.

    BMW is providing a $1,750 cash incentive and a .00030 money factor reduction on this truck to current BMW FS lessees right now.

    Prices Paid: Buying & Leasing Experiences Forum
  • Greetings tto the appropriately names bmwplease. Here's the information that you're looking for. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2009 BMW X5 3.0i with 15,000 miles per year are .00180 and 55%, respectively.

    BMW is providing a $1,750 cash incentive and a .00030 money factor reduction on this truck to current BMW FS lessees right now.

    If I was in the market for this truck right now, I personally would shoot for a selling price of a couple hundred dollars over dealer invoice minus the available cash incentive.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi natsun. Unfortunately, BMW is not providing the $2,500 on the 2009 X5 any longer. It replaced this cash with a loyalty offer of $1,750 cash and a .00030 money factor reduction for returning BMW FS lessees.

    As a returning lessee, BMW will waive its security deposit on this truck for you for free, but you will not be able to get them to waive BMW FS' $725 acquisition fee.

    BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2009 X5 3.0 with 15,000 miles per year are .00180 and 55%, respectively. If you were to lease this truck with only 12,000 miles per year, its residual value would be 2% higher. Its 10,000 mile per year resid would be 3% higher.

    I don't believe that BMW is providing lease support on the 2008 X5 any longer. I am not familiar with BMW's current lease program on CPO X5s.

    Prices Paid: Buying & Leasing Experiences Forum
  • tombrtombr Posts: 3
    I was not able to get that deal. The deal i was offered was 660 month. 36m, 10k miles. 2300 out of pocket. This was with the 2500 cap red from BMW. i wish this was still around. Does anyone know for March if it will come back?
  • I have been offered $519/month (taxes not included) for 36 months 10k miles/year MSRP $49,575 total of $4000 due at signing.
  • granoffjgranoffj Posts: 3
    Does anyone know if the $1,750 lease loyalty is still in effect for month of march; also can anyone help me out with residuals and money factors for X5 4.8 for Three year lease with 10,000 miles per year? thanks
  • Yes, granoffj, BMW is still providing $1,750 loyalty cash on leases of the '09 X5. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2009 X5 4.8 with 10,000 miles per year are .00155 and 59%, respectively. If you qualify for the $1,750, then you also qualify for the .00030 money factor reduction that BMW is providing loyal customers.

    Prices Paid: Buying & Leasing Experiences Forum
  • wease944wease944 Posts: 20
    I am looking to lease an x5. I have used this site many time and I still dont know how to figure out all this money factor / residual ect...
    2 cars
    #1 cold ,premium ,technology,Ipod addapter rear climate..$56675..12 miles..36 month.. $810..That sounds HIGH!!!
    #2 premium/ cold pkg/ ipod...Msrp 54425 ..Same terms as above $729.. that sound high also..
    .I want a payment of $650,NO MONEY DOWN everything included...,What will the Msrp be then? I am returning an x5 in 3 weeks so Im a loyal customer.. NY
  • There's about a $4000 spread bewteen MSRP and Invoice on these vehicles (+/- depending on regional Maco/Training fee). Since you're loyalty, you get the $1750 and .00030 mf discount. Assuming a near invoice deal less the $1750, you could realistically be about $665/mo + tax on Car #1. That payment has BMW's $725 bank fee rolled into the payments, all you'd need to pay at inception is your 1st mo and Govt' fees.

    Without seeing how the dealer who quoted you structured the deal, I have no way of telling you how he/she figured it. But, I can surmise that he didn't factor in the loyalty cash and ran you at the base mf w/o the loyalty reduction. Then car # 1 could realistically be $810/mo.

    Car # 2, same scenario; $607/mo + tax.

    You've probably heard this before, but as a reference, for every $100 you add or subtract on a lease, figure about $3 bucks to your payments.
  • Hi wease944. It is very important to understand exactly how leases work prior to negotiating with dealers. If you don't understand what you are doing, it is easier for them to take advantage of you. Check out the following informative articles that are available here at prior to visiting any dealers: 10 Steps to Leasing a New Car and Calculate Your Own Lease Payment.

    In short, the best way to get a good deal on a leased vehicle is to negotiate as low a selling price as possible on the model that you want and then have the dealer calculate your vehicle's monthly payment using its buy rate lease money factor. BMW Financial Services' current buy rate for the '09 X5 3.0 is .00180.

    You can look up the MSRPs and dealer invoice prices for the trucks that you are interested in over in the New Vehicle Pricing section of

    Prices Paid: Buying & Leasing Experiences Forum
  • I see a number of posts citing money factor and a percentage for the residual. If I see a residual of say 50%, does that mean 50% of the MSRP (including any options) or 50% of the actual price paid?
  • In order to drive the X5 that I want, it looks like I'll need to strike a deal on a loaner or demo vehicle. I'm already familiar with the pros and cons of these vehicles, and I'm willing to live with the cons for a vehicle that is sold "as new" with full original warranty intact.

    My question is this ... I cannot find used pricing for 2009 vehicles on KBB and other like sites, and I'm trying to determine what's a fair price for a demo/loaner with maybe 5-10K miles on it. If going price for brand new is right around invoice today, then how far below invoice can I push these dealers on these "used" vehicles?

    Thanks in advance.
  • The residual value is based on the TOTAL MSRP including all options and destination. So, just to illustrate: if a BMW X5 has an MSRP of say, $54,625.00, and the residual stated 57% ... then that would be 57% of $54,625.00. I know, I know, I'm being redundant, but I like to be thorough to get my point across.

    As for BMW's money factors, it can be a bit confusing for multiple reasons. The mf can flucuate based on whether or not you're a repeat customer, whether you pay a security deposit, etc. BMW leases have definitely been more attractive as of late for "loyalty" customers.
  • First and foremost, you wanna' find out who was driving that demo. Preferably, it was someone at the dealership, like the sales manager or his wife etc., rather than a true demo. Chances are they took good care of it and drove it easy, knowing full well they'd need to put back out on the line.

    Good rule of thumb for figuring out a good price on a demo ... .25-.35 cents/mile. Meaning, if the vehicle has 5000 miles and you figured say .30 cent/mile, that's $1500. Therefore, if you could realistically buy a "new" one for, let's just say $200 over invoice, then you should be able to snag the demo at $1300 below invoice. Also, if it's an '08, deduct another $1000 or so.

    You also need to consider the warranty too. Ask them if they actually have an in-service date on the vehicle. They probably do, especially if it was driven 5k or so, but you'll wanna' see how that affects the manufacturer's warranty, since the time and mileage started ticking from the "in-service" date.
  • After spending time on this website and doing research here is a quick and easy way to figure leases...these are only formulas and you need to find accurate residuals (easy) and Money Factors (tougher) to figure out how the deal stacks up

    1st Formula ((your cost*(list price*residula percent))/term in months
    2nd Formula ((your cost+(list price*residual percent)*money factor

    when you add the results of those together you will get your payment

    Once I had this negotiating got much easier

    hope this helps
  • Has anyone heard about the new programs or MF rates for the April Leases?
  • Here is a nice clean illustration borrowed from T. Shebasta from LC (Thank you T!) ...

    Lease Payment Calculation Formula:
    (Cap Cost – Residual Value) / Term = Depreciation
    (Cap Cost + Residual Value) X Base Rate = Interest
    Depreciation + Interest = Base Monthly Payment

    Terms Used in Lease Formula:
    CAP COST = Vehicle Purchase Price (amount financed)
    RESIDUAL VALUE = MSRP (window sticker) X Residual %
    TERM = Length of Lease in Months (3 years = 36 months)
    BASE RATE = Dealer’s Buy Rate (dealer can mark this up for profit)
This discussion has been closed.