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BMW Z4 Lease Questions



  • But what is the selling price, etc. Without that info, no one can tell if it's a good deal or not. The multiple security deposits are to bring the money factor (interest rate equivalent) down. It's not always a good idea to put a lot down on a lease. For example, you put $5,000 down. A month later the car gets stolen or totaled. The insurance pays out to the leasing company but you're $5,000 out of pocket.

    I'm not 100% sure on the figures but a lease on a Z4M should look something like this at the moment (this is for my state of Oregon so your tax and tags will vary)'

    Z4M with premium package;

    MSRP: $55,200

    Selling Price: $44,000 (Edmunds TMV - marketing support of $7,500)

    Lease Term: 24 months
    Money factor: 0.0275
    Residual: 68%
    Security deposit: $450
    Acquisition fee: $550
    Tax and tags: $128 (Oregon!)

    So, with,say, $2000 down (total down here would be $3128, gives us a monthly of $455 + tax. Of course, this will be higher for states with higher DMV fees. Also, you'd need to find a dealer willing to sell at the TMV minus the marketing support.
  • The car has premium package no nav and no heated seats.

    Dealer discount:
    MSRP $54,725
    SELLING PRICE $44,320

    So not sure why my payment if so different from yours.
    I appreciate you posting a response.
  • Can you ask them to confirm the money factor and residual that they are using? That's a good price from them but I wonder if they are bumping up the money factor.
  • I'm looking at a loaded 2007 Z4 (have a 2003 Z4; going to sell).

    I have always bought in the past, but leasing is looking attractive (putting less miles on the car and keeping only four years now).

    I see you quoting 24 month leases, but the dealer says the 36 month is a much better deal. Comment? He quoted residual of 69% but I saw 68% in a post in this forum.

    I've worked a tentative discount that will apply either way (sale or lease). Nice thing about lease is not having to pay the sales tax (8.25%) up front.

    I love the car (except for the run flats).
  • The BMW dealer said 24 month is more attractive at this time for Z4 Coupe.

    Not sure if this applies to other models.
  • Got more info.

    24 mo. residual on 3.0si - 69%
    24 mo. residual on 3.0m - 68%

    36 mo. residual on 3.0si - 59%
    36 mo. residual on 3.0m - 57%

    Slim pickings on 2007 Z4 unless you want an automatic, coup, or M.

    Watchout. Some dealers are trying to sell new leftover 2006 Z4 M with the same discount available on the 2007 M's ($10K at least).
  • Hey everyone, Im about to lease an 07 M Roadster, 6500 under invoice. Do you guys think I should do it today before the end of the month or wait to see if the incentives get any better for November? Do you know if they will be available immediately tomorrow?
  • Greetings andrewinla2. Since you are new to the world of leasing, you definitely should 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.

    Let's work up a lease payment on the car that you're interested in and see what we come up with. According to my calculations, if you were to lease a 2007 M Coupe that has an MSRP of $54,725 and a selling price of $44,320 through BMW Financial Services right now for 24 months with 10,000 miles per year, your zero down, pre-tax monthly payment would be around $585. With $2,500 down this payment would drop to around $474, but it is not a good idea to make such a large down payment when leasing. Consumers who do risk losing them if their vehicle is totaled in an accident or stolen and never recovered.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi again andrewinla2. It is much better to make multiple security deposits when leasing a BMW than it is to make a down payment. At lease-end you actually get your security deposits back (assuming that you are under mileage and that your car is in good shape) while a down payment just disappears.

    BMW Financial Services provides a .00007 money factor reduction for every additional security deposit that lessees make. If you were to make the maximum of seven additional deposits, you would be able to reduce the money factor that is being used to calculate your monthly payment by .00049. This would drop the monthly payment on the lease that I just calculated for you by around $39 per month, to approximately $545.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi 530iturk. It sounds like you are new to leasing. If so, you definitely should 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.

    Generally speaking, the longer a lease is the lower the monthly payment will be. A 36 month lease of a BMW Z4 would definitely have a lower monthly payment than a 24 month lease would right now. In case you are interested, BMW Financial Services' November buy rate lease money factor and residual value for a 36 month lease of a 2007 BMW Z4 3.0 roadster with 15,000 miles per year are .00275 and 55%, respectively. This car's 12,000 mile per year residual value would be 2% higher and the 10k residual would be 3% higher than the 15k resid.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hey chimmaera. BMW's November incentives for the 2007 Z4 are basically the same as they were in October.

    Prices Paid: Buying & Leasing Experiences Forum
  • Retail Price $57,320.00
    Selling Price $47,320.00

    Term: 24 Months
    Annual Miles: 10,000
    Residual 66%
    Residual Value $37,831.20
    Money Factor 0.00310

    First Payment $606.74
    Acquisition Fee $825.00
    Security Deposit $650.00
    Cash Down $2,000.00
    Sales Tax $1,046.50
    DMV Fees $676.25
    Doc Fee $50.00
    Due at Signing $5,029.84

    Monthly Payment $606.74

    Anyone know if this is a good deal or not? It's a 2007 Z4 M Coupe with Premium Pkg, Power Front Seats + Heated Seats, BMW Assist, Logic 7, and Nav.
  • I got a 2007 White/Red M Coupe with no nav for $3K down and $539 per month WITH tax.
    2 year, 10K miles per year.
    This is in SoCal.
  • Hello,

    My dealer gave me following lease deal.
    Shall I take it?

    Z4 roadster 3.0i
    Titanium silver
    Premium Package
    Sport package
    heated seats
    Xenon headlights
    M Sport front seats
    total suggested $45,050

    lease price $36,050
    24 mont lease
    residual $30,634 (68%)
    lease monthly foctor 0.00310

    protection plan $90
    total added caps $825
    adjusted cap sost $32,465
    cash cap reduction $4,500
    total sales tax $1,014

    base monthly rental $271.9
    security deposite $300
    total initial fees 235.25
    amount due at start $5,746.16

    total monthly $296.91

    This is the last car at the dealer lot.
  • Sorry I forgot mention that I live in Washigton state and lease term is 24 month
  • Hello jojo16. The money factor that you were quoted for this lease looks a little high to me. If you are talking about a 2008 Z4 here, BMW Financial Services' current buy rate for non-returning customers who pay a security deposit at lease signing is only .00270. Make sure that the dealer you are working with uses this factor to calculate your car's monthly payment.

    I see that you are considering making a $4,500 down payment on your lease. In my opinion, that is way too much money to put down. Consumers who make large down payments on leases risk losing part or all of them if their vehicle is totaled in an accident or stolen and never recovered. You would be better off paying as little money as possible out of your pocket at lease signing.

    One thing that you should use to reduce your car's capitalized cost is the $2,500 dealer cash incentive that BMW is providing on leases of the '08 Z4 3.0i through BMW Financial Services right now. Negotiate a selling price that is as close to dealer invoice as possible and then have the dealer subtract this dealer cash.

    Prices Paid: Buying & Leasing Experiences Forum
  • colecole Posts: 67
    Car_man - I'm looking at a 2007 Z4 Coupe and and looking for the same great info that you always provide!

    What are the current residuals and money factors for the '07s assuming a 36/39 month lease at 15,000 miles per year?

    Also, I assume that the TMV on Edmunds takes the $7500 rebate into consideration when it gives you the "price others are paying." Is this right?

  • Just wanted to no what deal I might have gotten?

    2007 roadster 3.0si
    premium package, sport, cold weather, 6 speed, auto top, 18" wheels, pretty much loaded no navigation, does anyone no how much nav is to put in, or do you have to get already installed. I did not no about this cash back for 6500 everyone is talking about, the price out the door that I negotiated down to was 38967.00

    24 month lease
    my payment is 400.00 a month thats including tax
    the 2000.00 I put down was for lic, tax, 1st month
    10k a year
    I think my residual is 68%
    my payment is 400.00 a month with tax
    how did I do?
  • jojo16jojo16 Posts: 6
    Thanks Car_man

    The next day, Christmas eve, I came back to the dealer to negotiate further.
    Finally we reached an agreement slightly better than the deal the dealer offered the day before.
    Monthly payment was down to $242. Lower than what I was paying for the car I traded in.

    There might have been a room to further negotiate, but I am totally happy with the Titunium Silver Roadster.'t wait for the summer to drive top down.
    It is only 120 miles driven since delivery in three weeks - it has been rainy here in seattle all time in the winter, can.
  • what model standard or 3.0 si, its a big difference in cars. what was your down payment to get 242.00
  • I presently lease a BMW and my current lease is about to end. I am starting to look for a new car.

    BMWUSA has posted on it's web site a lease offer for a 2008, 3.0i Z-4 with the following terms. $2,500.00 cash down with monthly lease payments of $379.00, not including sales tax, for 39 months based on MSRP of $38,450.00.

    My question are:

    1. Should I expect the dealer to accept an offer lower than MSRP? If yes, by how much?

    2. May any reduction in price by the dealer be used to lower the down payment or the monthly payment required by this lease?

    Thank you for your help.

  • got a very basic 08 3.0i roadster w/
    39mo lease at 12k/yr w/ option to buy extra mileage until last 4 months of lease

    -heated seats
    -bmw assist
    -motorized top
    -metallic paint

    (i'm forgetting somethign I'm sure)

    for 1k total out the door and 500/mo inclusive of CA tax. so like 459 / mo ish w/o tax.
  • Hi Mike. You absolutely should get a discount on the Z4 that you are interested in. The selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. If I was personally in the market for a Z4 3.0i right now, I would shoot for a selling price of $500 over dealer invoice and then have the dealer that I was working with subtract the $2,500 cash incentive that is available on it from that. You can look up the invoice price of the exact model that you want by visiting the New Vehicle Pricing section of

    Once you arrive at a selling price that you are comfortable with, have the dealer calculate your car's monthly payment using BMW Financial Services' buy rate lease money factor. Its buy rate for a 36 month lease of an '08 Z4 3.0i roadster is .00255 for returning BMW lessees or new ones who pay a security deposit at lease signing. If the dealer that you are working with tries to charge you a higher rate than that they are likely marking your car's money factor up to add additional hidden back-end profit to your deal.

    Prices Paid: Buying & Leasing Experiences Forum
  • Congratulations on getting your new Z4, zkaudio. Thanks for taking the time to share the details off your lease with everyone. Make sure to stop by the new Dealer Ratings & Reviews section of to share your thoughts on your recent dealer experience with everyone. Enjoy your new ride :shades: .

    Prices Paid: Buying & Leasing Experiences Forum
  • erdoranerdoran Posts: 62
    Car Man, how in the world do you get $500 over invoice less 100% of the trunk money? I've been negotiating for two weeks with several different dealers, and I can't get anywhere close. I've hit every local dealer and several long-distance ones! I think I have a deal lined up that's really good, but it isn't the $500 dealer profit one. What's the secret to this? thanks
  • mbn1941mbn1941 Posts: 2
    Like you I have tried to get a price of $500 over dealers invoice but without success. Once I tell the dealer I want the advertised BMW Financial Services lease they tell me they are required to discount the car by $2500 to make the lease and therefore cannot discount the price further. I have tried three dealers in South Florida with more or less the same results.
  • kperesskperess Posts: 29
    I have a line on an '06 Z4 coupe (certified) with 10,000 miles on it. The dealer sued it as a loaner. Has premium and sport packages, auto tranny with flippers. Dealer is asking $29,900. Was put into service on Jan 2 '07.

    Any thoughts on this? I live in the upper peninsula of Michigan (so lots of snow) and am also looking at the TT as a possible toy.
  • erdoranerdoran Posts: 62
    mbn1941, that sounds bogus to me, although I'm just a consumer and have no inside knowledge! If a dealer is "required" to discount $2500, there is no reason they can't CHOOSE to discount further. Check out the invoice pricing on From 3/1-4/30/08 there is $2500 factory to dealer incentive on the z4i and $3000 on the z4si. I think what is happening is that they are pricing it at MSRP and giving you this "trunk money" as it is called. I don't see anything in your post that says the dealer has to SUBSIDIZE or CONTRIBUTE to the lease!
  • Hi.

    I am interested in leasing a 2008 BMW Z4 3.0 si coupe. Could you please tell me the residual value and the money factor on this car? I am looking at a 36 month lease.

    I live in the NYC area and was quoted $41,200 with an MSRP of $45375. What would be my lease payments without a cap cost reduction? I am looking to include taxes in my monthly payments. Thanks. :)
  • dk90210dk90210 Posts: 5
    Hello all. I am very much interested in the current BMW Z4 Lease Special (36 months @ $369 w/ $2500 down) but I have a few questions:

    1) How do they arrive at those numbers? What is the negotiated cost? Residual? Money Factor?

    2) I have seen similar specials at my local dealers here in Southern California that play on this lease special, including 39 months @ $399 w/ $3000 drive-off, and even 36 months @ $459 w/ $0 drive off! Of these, which way would be better - Less drive-off and more monthly, or vice versa?

    3) How much more would/should I pay if I wanted to extend the lease to 12K miles per year? 15K miles?

    By the way, the special can be found here at

    Thanks for your help!!! :)
This discussion has been closed.