2019 BMW 4-Series Lease Deals and Prices

kyfdx

Anabanana745 said:

looking for numbers on 440i 36/12 in 27523 or 28210 if any difference

.00182 MF and 56% residual
$1000 lease credit ($2000 if Gran Coupe)

Fastcars1

Hi can you provide me with residuals and money factor for a 2019 BMW M4 36/12? Zip code us 90277.

Thanks,

SH1973

Looking for MF, RV and any ncentives for 430i Convertible, 36/12k, zip 76011. Thanks!

samysumit

Looking for MF and RV on 2019 BMW 440i GC fully loaded - 36 mo / 12 k zip is 33966

kyfdx

Fastcars1 said:

Hi can you provide me with residuals and money factor for a 2019 BMW M4 36/12? Zip code us 90277.

Thanks,

.00182 MF and 56% residual
$500 lease credit

kyfdx

SH1973 said:

Looking for MF, RV and any ncentives for 430i Convertible, 36/12k, zip 76011. Thanks!

.00182 MF and 56% residual
$1000 lease credit

kyfdx

samysumit said:

Looking for MF and RV on 2019 BMW 440i GC fully loaded - 36 mo / 12 k zip is 33966

.00182 MF and 56% residual
$2500 lease credit

Mohz

Looking for lease numbers on 430i GC for zip 33331.  24/10, and 36/12.

kyfdx

Mohz said:

Looking for lease numbers on 430i GC for zip 33331.  24/10, and 36/12.

.00182 MF
62%/56% residual for 24/36 mo, 12K/yr
$2500 lease credit

Mohz

kyfdx said:

Mohz said:

Looking for lease numbers on 430i GC for zip 33331.  24/10, and 36/12.

.00182 MF
62%/56% residual for 24/36 mo, 12K/yr
$2500 lease credit

Thanks! Do you know if there's any loyalty or conquest offers?

Michaell

Mohz said:

kyfdx said:

Mohz said:

Looking for lease numbers on 430i GC for zip 33331.  24/10, and 36/12.

.00182 MF
62%/56% residual for 24/36 mo, 12K/yr
$2500 lease credit

Thanks! Do you know if there's any loyalty or conquest offers?

We don't have that information, yet, for December.

dblues5

Can please share MF/RV and incentives for 430i Xdrive convertible 12K/36 months for zip 21163

kyfdx

dblues5 said:

Can please share MF/RV and incentives for 430i Xdrive convertible 12K/36 months for zip 21163

.00182 MF and 56% residual
$2500 lease credit

Tones23

Can please share MF/RV and incentives for the 2019 440i coupe 10K/36 months for zip 75033

kyfdx

Tones23 said:

Can please share MF/RV and incentives for the 2019 440i coupe 10K/36 months for zip 75033

.00182 MF and 57% residual
$1500 lease credit

nathan011

Hi I got a quote for a BMW 440i lease for $825/month for 36 months. 10K miles/yr. asking price $52,360(msrp $58,285). MF .00222 for zip code 89102. Pls advice on a reasonable counter-offer as far as price and MF. thank you.

kyfdx

nathan011 said:

Hi I got a quote for a BMW 440i lease for $825/month for 36 months. 10K miles/yr. asking price $52,360(msrp $58,285). MF .00222 for zip code 89102. Pls advice on a reasonable counter-offer as far as price and MF. thank you.

The base MF is .00182
That's the only "reasonable" rate.

We don't track pricing, but Edmunds does:
https://www.edmunds.com/tmv.html

caeaton

Can I please get the MF/RV for a 2019 BMW 440i Gran Coupe? 12k/36m. Could I also get incentives and loyalties, if any? Thank you!

kyfdx

caeaton said:

Can I please get the MF/RV for a 2019 BMW 440i Gran Coupe? 12k/36m. Could I also get incentives and loyalties, if any? Thank you!

In Socal?

.00182 MF and 56% residual
$2500 lease credit
$2500 loyalty

Michael_St

Can I please get rv, mf, and incentives 36/15 in 85054 for a 2019 430i gran coupe? Thank you 

Michaell

Michael_St said:

Can I please get rv, mf, and incentives 36/15 in 85054 for a 2019 430i gran coupe? Thank you 

.00182 and 54%
$2500 lease credit

rayrrr

Can I please get rv, mf, and incentives 36/15 in 75243 for a 2019 430i gran coupe? Thank you

Michaell

rayrrr said:

Can I please get rv, mf, and incentives 36/15 in 75243 for a 2019 430i gran coupe? Thank you

.00182 and 54%
$2000 lease credit

JasonB112233

Can I please get the MF and residual as well as incentives for a 2019 430i convertible in 89044? Thanks so very much!

JasonB112233

36/12

Michaell

JasonB112233 said:

Can I please get the MF and residual as well as incentives for a 2019 430i convertible in 89044? Thanks so very much!

JasonB112233 said:

36/12

.00182 and 56%
$1500 lease credit

caeaton

I don't understand why my math and the finance guy's math is so far off, since it's the same everywhere.
I'm trying to lease a 2019 BMW 440i Gran Coupe. 12k/36. The MSRP on the car is $59,745. I negotiated the cost down to $53,770. There is a $2,500 lease incentive and $2,500 loyalty credit. Putting $2,000 down (drive-offs), I'm getting $567/m with tax (Los Angeles 10%). Residual is 56% and MF is .00182.
They are telling me $699/month. We are so far off that this is crazy. They told me not to overthink it, that they would never try to take advantage of someone there in-person, who is going to lease their 7th BMW.
Am I doing this completely wrong? I've never been this far off.
Any help would be greatly appreciated!

Michaell

caeaton said:

I don't understand why my math and the finance guy's math is so far off, since it's the same everywhere.
I'm trying to lease a 2019 BMW 440i Gran Coupe. 12k/36. The MSRP on the car is $59,745. I negotiated the cost down to $53,770. There is a $2,500 lease incentive and $2,500 loyalty credit. Putting $2,000 down (drive-offs), I'm getting $567/m with tax (Los Angeles 10%). Residual is 56% and MF is .00182.
They are telling me $699/month. We are so far off that this is crazy. They told me not to overthink it, that they would never try to take advantage of someone there in-person, who is going to lease their 7th BMW.
Am I doing this completely wrong? I've never been this far off.
Any help would be greatly appreciated!

If you and the dealer are both using the .00182 MF, then the difference is in the CAP cost used for the payment calculation.

What number are you using?
What number is the dealer using?

Figuring out the difference will give you your answer.

That's almost $4000, by the way.

kyfdx

caeaton said:

I don't understand why my math and the finance guy's math is so far off, since it's the same everywhere.
I'm trying to lease a 2019 BMW 440i Gran Coupe. 12k/36. The MSRP on the car is $59,745. I negotiated the cost down to $53,770. There is a $2,500 lease incentive and $2,500 loyalty credit. Putting $2,000 down (drive-offs), I'm getting $567/m with tax (Los Angeles 10%). Residual is 56% and MF is .00182.
They are telling me $699/month. We are so far off that this is crazy. They told me not to overthink it, that they would never try to take advantage of someone there in-person, who is going to lease their 7th BMW.
Am I doing this completely wrong? I've never been this far off.
Any help would be greatly appreciated!

Your math is off..

If you are using $48770 as the adjusted CAP cost, then it's $575/mo.+tax = $632/mo.

You can't subtract your $2000 upfront from the CAP, if it's going to pay for upfront costs.

$699 payment
$925 acquisition fee
$660 DMV
$80 doc fee
$602 upfront tax on rebates/acquisition fee

$2966 in upfront charges.. Your $2000 leaves you $966 short.
Add that to the CAP, for an adjusted CAP of $49,736
$604/mo+tax = $664/mo.

$35/mo. apart.
Looks like a money factor markup to .00222 to me
But, just ask them for the adjusted CAP cost, and see how it compares to my calculation.

ellisharon

Is this a good deal on on 430i? 89118, 15k/36, 54% and 000182

kyfdx

ellisharon said:

Is this a good deal on on 430i? 89118, 15k/36, 54% and 000182

$2139 in accessories? I can see the $399 is for tint.
What is the other $1740 for?

None of that gets residualized. You pay for it 100%.
Adding accessories is where good lease deals go to die.

ellisharon

1740 is what is left on my lease, since my current bmw lease isn’t up until April. It’s suppose to be taken off. I told them I wouldn’t pay for the window tints as I didn’t ask for them. The car comes with the convince package, heads up display and a couple of other little add ons, none of which I asked for. Can I negotiate those prices off?

I don’t care if I get a new car now or in April, I just thought I would be able to get a better deal now. Should I wait until April? I’m already over my mileage but I know they’ll waive it if I roll into a new lease.

kyfdx

ellisharon said:

1740 is what is left on my lease, since my current bmw lease isn’t up until April. It’s suppose to be taken off. I told them I wouldn’t pay for the window tints as I didn’t ask for them. The car comes with the convince package, heads up display and a couple of other little add ons, none of which I asked for. Can I negotiate those prices off?

I don’t care if I get a new car now or in April, I just thought I would be able to get a better deal now. Should I wait until April? I’m already over my mileage but I know they’ll waive it if I roll into a new lease.

They definitely added most of that amount into the new lease.

If a car has factory options, then you are paying for them, no way around that.
If your lease isn't up, I would wait. But, I wouldn't count on them waiving mileage overages. Dealerships don't have that power.

jkrn2003

can I get the MF and lease incentives for 430 GC and 440 GC? 36/12 and 36/15. 77094

kyfdx

jkrn2003 said:

can I get the MF and lease incentives for 430 GC and 440 GC? 36/12 and 36/15. 77094

36/15
.00182 MF and 54% residual
$2000 lease credit

Either model

Raubtier

Can I get MF/residual/incentives for 440i coupe for 36/12, zip 91401. Thanks!

Michaell

Raubtier said:

Can I get MF/residual/incentives for 440i coupe for 36/12, zip 91401. Thanks!

.00182 and 56%
$1500 lease credit

parksm32

Appreciate feedback. Checking out a CPO 2019 BMW 440i X Drive Coupe AWD 6 Cyl. It has 4,645 miles on it, but available under a lease program (guessing under 5k miles dealer can still lease?). Based on the Carfax everything is peachy, though a windshield was repaired (looks like per inspection report it is a window chip that was repaired); no actual owner. Possible loaner car? Warranty start date shows 1/1/19.

They are listing the lease available under the following terms:

Location 60187

MSRP: $60,855
MVP Price: $49,487

3 years/12K
$576/month
Taxes, Fees, 1st payment due upfront

Comes with:
M Sport Package
Sunroof
Nav
18" Alloy


Seems reasonable without knowing residual or MF. Just started looking and haven't reached out to the dealer for any additional details. Thanks.

arts2565

Hi All -

I'm looking to swap an expiring lease for a new lease at the BMW dealer this weekend and need help on THREE questions:

Question 1 on CAR I'M TURNING IN:

2016 BMW 328i xDrive Gran Turismo
3 year / 30K lease
9600 miles on car
Gross Cap Cost on Lease: 49,151.07
Residual Value on Lease: 30,710.45

Given low mileage, how much positive equity I could roll into a new lease?

Question 2 on CAR I'M THINKING OF LEASING:

2019 BMW 430i xDrive Gran Coupe
3 year / 30K lease
What is best money factor I could possibly get?
What residual should I factor into my lease calculation?

Question 3: Would I just be better off buying the 2016 328i outright given solid condition and low mileage? I could pay all cash if need be.

THANK YOU!

kyfdx

parksm32 said:

Appreciate feedback. Checking out a CPO 2019 BMW 440i X Drive Coupe AWD 6 Cyl. It has 4,645 miles on it, but available under a lease program (guessing under 5k miles dealer can still lease?). Based on the Carfax everything is peachy, though a windshield was repaired (looks like per inspection report it is a window chip that was repaired); no actual owner. Possible loaner car? Warranty start date shows 1/1/19.

They are listing the lease available under the following terms:

Location 60187

MSRP: $60,855
MVP Price: $49,487

3 years/12K
$576/month
Taxes, Fees, 1st payment due upfront

Comes with:
M Sport Package
Sunroof
Nav
18" Alloy


Seems reasonable without knowing residual or MF. Just started looking and haven't reached out to the dealer for any additional details. Thanks.

Warranty start 1/1/2018?

.00182 MF and 56% residual (less $1161 residual reduction)
$1500 lease credit.
What is the actual amount due at signing?
If I deduct the $1500 from that sale price, I'm within $9/mo. of your price, so that looks good.

It's a coupe, and not a Gran Coupe, right?
That's a nice big discount

kyfdx

arts2565 said:

Hi All -

I'm looking to swap an expiring lease for a new lease at the BMW dealer this weekend and need help on THREE questions:

Question 1 on CAR I'M TURNING IN:

2016 BMW 328i xDrive Gran Turismo
3 year / 30K lease
9600 miles on car
Gross Cap Cost on Lease: 49,151.07
Residual Value on Lease: 30,710.45

Given low mileage, how much positive equity I could roll into a new lease?

Question 2 on CAR I'M THINKING OF LEASING:

2019 BMW 430i xDrive Gran Coupe
3 year / 30K lease
What is best money factor I could possibly get?
What residual should I factor into my lease calculation?

Question 3: Would I just be better off buying the 2016 328i outright given solid condition and low mileage? I could pay all cash if need be.

THANK YOU!

I can't value your existing car.
Not sure I'd want to lease, if I'm only putting 3200 mi/yr on.
Check pricing here:
https://www.edmunds.com/tmv.html
Or, post a full description, here:
https://forums.edmunds.com/discussion/1212/general/x/real-world-trade-in-values

Need your location to check incentives on the new car.

parksm32

kyfdx said:

parksm32 said:

Appreciate feedback. Checking out a CPO 2019 BMW 440i X Drive Coupe AWD 6 Cyl. It has 4,645 miles on it, but available under a lease program (guessing under 5k miles dealer can still lease?). Based on the Carfax everything is peachy, though a windshield was repaired (looks like per inspection report it is a window chip that was repaired); no actual owner. Possible loaner car? Warranty start date shows 1/1/19.

They are listing the lease available under the following terms:

Location 60187

MSRP: $60,855
MVP Price: $49,487

3 years/12K
$576/month
Taxes, Fees, 1st payment due upfront

Comes with:
M Sport Package
Sunroof
Nav
18" Alloy


Seems reasonable without knowing residual or MF. Just started looking and haven't reached out to the dealer for any additional details. Thanks.

Warranty start 1/1/2018?

.00182 MF and 56% residual (less $1161 residual reduction)
$1500 lease credit.
What is the actual amount due at signing?
If I deduct the $1500 from that sale price, I'm within $9/mo. of your price, so that looks good.

It's a coupe, and not a Gran Coupe, right?
That's a nice big discount

Well, devils in the details. Checked in with the dealership about this crazy deal. Car is a retired loaner. Chip in windshield repaired by filling, not replacing windshield.

The quote they sent over indicated this is a GC not a 2dr Coupe. I asked to confirm and they kept insisting it is a coupe. Everything in the listing via Cargurus and the actual dealer site says Coupe. I'm still suspect.

You are spot on with the MF at .00182. I think the residual they are using is 54% with a purchase option of 33042.55 on a MSRP of 60855.

The rub is for the $576/monthly is they pulled forward the taxes and basically said I needed to pay those up front. Amount due at signing is:

1st month: 579.97
Fees & Insurance: 411.94 (what is insurance??)
Upfront Taxes: 2122.83
Cap Reduction: 579 (basically more cash out of my pocket)
They were generous to give $1500 cap rebate
out of pocket to me: $3693.74

So, with cash up front my effective payment over 36 months is ~685.50 if math is correct. I'm not pursuing.

thanks for taking the time to respond.

arts2565

2019 BMW 430i xDrive Gran Coupe
3 year / 30K lease
What is best money factor I could possibly get?
What residual should I factor into my lease calculation?
Zip Code: 75205

Michaell

arts2565 said:

2019 BMW 430i xDrive Gran Coupe
3 year / 30K lease
What is best money factor I could possibly get?
What residual should I factor into my lease calculation?
Zip Code: 75205

.00182 and 57%
$2000 lease credit

kyfdx

parksm32 said:

kyfdx said:

parksm32 said:

Appreciate feedback. Checking out a CPO 2019 BMW 440i X Drive Coupe AWD 6 Cyl. It has 4,645 miles on it, but available under a lease program (guessing under 5k miles dealer can still lease?). Based on the Carfax everything is peachy, though a windshield was repaired (looks like per inspection report it is a window chip that was repaired); no actual owner. Possible loaner car? Warranty start date shows 1/1/19.

They are listing the lease available under the following terms:

Location 60187

MSRP: $60,855
MVP Price: $49,487

3 years/12K
$576/month
Taxes, Fees, 1st payment due upfront

Comes with:
M Sport Package
Sunroof
Nav
18" Alloy


Seems reasonable without knowing residual or MF. Just started looking and haven't reached out to the dealer for any additional details. Thanks.

Warranty start 1/1/2018?

.00182 MF and 56% residual (less $1161 residual reduction)
$1500 lease credit.
What is the actual amount due at signing?
If I deduct the $1500 from that sale price, I'm within $9/mo. of your price, so that looks good.

It's a coupe, and not a Gran Coupe, right?
That's a nice big discount

Well, devils in the details. Checked in with the dealership about this crazy deal. Car is a retired loaner. Chip in windshield repaired by filling, not replacing windshield.

The quote they sent over indicated this is a GC not a 2dr Coupe. I asked to confirm and they kept insisting it is a coupe. Everything in the listing via Cargurus and the actual dealer site says Coupe. I'm still suspect.

You are spot on with the MF at .00182. I think the residual they are using is 54% with a purchase option of 33042.55 on a MSRP of 60855.

The rub is for the $576/monthly is they pulled forward the taxes and basically said I needed to pay those up front. Amount due at signing is:

1st month: 579.97
Fees & Insurance: 411.94 (what is insurance??)
Upfront Taxes: 2122.83
Cap Reduction: 579 (basically more cash out of my pocket)
They were generous to give $1500 cap rebate
out of pocket to me: $3693.74

So, with cash up front my effective payment over 36 months is ~685.50 if math is correct. I'm not pursuing.

thanks for taking the time to respond.

The rebate is not "generous". It's required. If it's a Grand Coupe, the rebate is $2500.

Fees and Insurance is just a pre-printed line. It's all fees.

Total cost is closer to $667/mo. You have to pull the first payment out of the upfront money, before dividing it among the payments.

But, 54% residual is for 15K/yr
If you want 36/12, it should be 56%


If you have the actual documentation, post a screenshot (with personal info blacked out)

arts2565

Hi - can you evaluate my deal.  2019 4 series gran coupe 430i.  Zip 75205. 3 yr / 30k Miles.  Turning in a 2016 328i GT on same 3 yr / 30k Miles with only 9700 Miles used.  See above for quote.

Options on car:

Black sapphire metallic paint
Convenience package
Black kidney grilles
Black license plate frame
Wherl locks
First aid kit

Thank you!

kyfdx

@arts2565
So, is your lease not up yet?
You have $1550 of negative equity, according to their figures.

The problem with that quote, is it's for a purchase. No mention of lease fees ($925 acquisition fee), and no way to know if the tax number is valid on lease either.


If you are only driving 3200 miles/year, it would be crazy to trade out of your lease early. This is a 2019 model, not a 2018 special that might be gone, once your lease is up.

parksm32

kyfdx said:

parksm32 said:

kyfdx said:

parksm32 said:

Appreciate feedback. Checking out a CPO 2019 BMW 440i X Drive Coupe AWD 6 Cyl. It has 4,645 miles on it, but available under a lease program (guessing under 5k miles dealer can still lease?). Based on the Carfax everything is peachy, though a windshield was repaired (looks like per inspection report it is a window chip that was repaired); no actual owner. Possible loaner car? Warranty start date shows 1/1/19.

They are listing the lease available under the following terms:

Location 60187

MSRP: $60,855
MVP Price: $49,487

3 years/12K
$576/month
Taxes, Fees, 1st payment due upfront

Comes with:
M Sport Package
Sunroof
Nav
18" Alloy


Seems reasonable without knowing residual or MF. Just started looking and haven't reached out to the dealer for any additional details. Thanks.

Warranty start 1/1/2018?

.00182 MF and 56% residual (less $1161 residual reduction)
$1500 lease credit.
What is the actual amount due at signing?
If I deduct the $1500 from that sale price, I'm within $9/mo. of your price, so that looks good.

It's a coupe, and not a Gran Coupe, right?
That's a nice big discount

Well, devils in the details. Checked in with the dealership about this crazy deal. Car is a retired loaner. Chip in windshield repaired by filling, not replacing windshield.

The quote they sent over indicated this is a GC not a 2dr Coupe. I asked to confirm and they kept insisting it is a coupe. Everything in the listing via Cargurus and the actual dealer site says Coupe. I'm still suspect.

You are spot on with the MF at .00182. I think the residual they are using is 54% with a purchase option of 33042.55 on a MSRP of 60855.

The rub is for the $576/monthly is they pulled forward the taxes and basically said I needed to pay those up front. Amount due at signing is:

1st month: 579.97
Fees & Insurance: 411.94 (what is insurance??)
Upfront Taxes: 2122.83
Cap Reduction: 579 (basically more cash out of my pocket)
They were generous to give $1500 cap rebate
out of pocket to me: $3693.74

So, with cash up front my effective payment over 36 months is ~685.50 if math is correct. I'm not pursuing.

thanks for taking the time to respond.

The rebate is not "generous". It's required. If it's a Grand Coupe, the rebate is $2500.

Fees and Insurance is just a pre-printed line. It's all fees.

Total cost is closer to $667/mo. You have to pull the first payment out of the upfront money, before dividing it among the payments.

But, 54% residual is for 15K/yr
If you want 36/12, it should be 56%


If you have the actual documentation, post a screenshot (with personal info blacked out)

Here's the quote. Looks like 1/2 taxes paid up front. Thanks for taking a look.

kyfdx

parksm32 said:

kyfdx said:

parksm32 said:

kyfdx said:

parksm32 said:

Appreciate feedback. Checking out a CPO 2019 BMW 440i X Drive Coupe AWD 6 Cyl. It has 4,645 miles on it, but available under a lease program (guessing under 5k miles dealer can still lease?). Based on the Carfax everything is peachy, though a windshield was repaired (looks like per inspection report it is a window chip that was repaired); no actual owner. Possible loaner car? Warranty start date shows 1/1/19.

They are listing the lease available under the following terms:

Location 60187

MSRP: $60,855
MVP Price: $49,487

3 years/12K
$576/month
Taxes, Fees, 1st payment due upfront

Comes with:
M Sport Package
Sunroof
Nav
18" Alloy


Seems reasonable without knowing residual or MF. Just started looking and haven't reached out to the dealer for any additional details. Thanks.

Warranty start 1/1/2018?

.00182 MF and 56% residual (less $1161 residual reduction)
$1500 lease credit.
What is the actual amount due at signing?
If I deduct the $1500 from that sale price, I'm within $9/mo. of your price, so that looks good.

It's a coupe, and not a Gran Coupe, right?
That's a nice big discount

Well, devils in the details. Checked in with the dealership about this crazy deal. Car is a retired loaner. Chip in windshield repaired by filling, not replacing windshield.

The quote they sent over indicated this is a GC not a 2dr Coupe. I asked to confirm and they kept insisting it is a coupe. Everything in the listing via Cargurus and the actual dealer site says Coupe. I'm still suspect.

You are spot on with the MF at .00182. I think the residual they are using is 54% with a purchase option of 33042.55 on a MSRP of 60855.

The rub is for the $576/monthly is they pulled forward the taxes and basically said I needed to pay those up front. Amount due at signing is:

1st month: 579.97
Fees & Insurance: 411.94 (what is insurance??)
Upfront Taxes: 2122.83
Cap Reduction: 579 (basically more cash out of my pocket)
They were generous to give $1500 cap rebate
out of pocket to me: $3693.74

So, with cash up front my effective payment over 36 months is ~685.50 if math is correct. I'm not pursuing.

thanks for taking the time to respond.

The rebate is not "generous". It's required. If it's a Grand Coupe, the rebate is $2500.

Fees and Insurance is just a pre-printed line. It's all fees.

Total cost is closer to $667/mo. You have to pull the first payment out of the upfront money, before dividing it among the payments.

But, 54% residual is for 15K/yr
If you want 36/12, it should be 56%


If you have the actual documentation, post a screenshot (with personal info blacked out)

Here's the quote. Looks like 1/2 taxes paid up front. Thanks for taking a look.

The list of charges in the left hand column is for purchase (Purchase Option).
That's why the tax amount is different, in the partial lease disclosure numbers. All of the tax is being paid upfront. $2122 is the total amount of tax.

I can't get the numbers to match up, because the adjusted CAP cost isn't disclosed (no mention of the $925 acquisition fee), but the numbers are close.

I show a $2500 lease credit on this model, but perhaps it's lower for a service loaner?

There is nothing out of line with that quote.

parksm32

kyfdx said:

parksm32 said:

kyfdx said:

parksm32 said:

kyfdx said:

parksm32 said:

Appreciate feedback. Checking out a CPO 2019 BMW 440i X Drive Coupe AWD 6 Cyl. It has 4,645 miles on it, but available under a lease program (guessing under 5k miles dealer can still lease?). Based on the Carfax everything is peachy, though a windshield was repaired (looks like per inspection report it is a window chip that was repaired); no actual owner. Possible loaner car? Warranty start date shows 1/1/19.

They are listing the lease available under the following terms:

Location 60187

MSRP: $60,855
MVP Price: $49,487

3 years/12K
$576/month
Taxes, Fees, 1st payment due upfront

Comes with:
M Sport Package
Sunroof
Nav
18" Alloy


Seems reasonable without knowing residual or MF. Just started looking and haven't reached out to the dealer for any additional details. Thanks.

Warranty start 1/1/2018?

.00182 MF and 56% residual (less $1161 residual reduction)
$1500 lease credit.
What is the actual amount due at signing?
If I deduct the $1500 from that sale price, I'm within $9/mo. of your price, so that looks good.

It's a coupe, and not a Gran Coupe, right?
That's a nice big discount

Well, devils in the details. Checked in with the dealership about this crazy deal. Car is a retired loaner. Chip in windshield repaired by filling, not replacing windshield.

The quote they sent over indicated this is a GC not a 2dr Coupe. I asked to confirm and they kept insisting it is a coupe. Everything in the listing via Cargurus and the actual dealer site says Coupe. I'm still suspect.

You are spot on with the MF at .00182. I think the residual they are using is 54% with a purchase option of 33042.55 on a MSRP of 60855.

The rub is for the $576/monthly is they pulled forward the taxes and basically said I needed to pay those up front. Amount due at signing is:

1st month: 579.97
Fees & Insurance: 411.94 (what is insurance??)
Upfront Taxes: 2122.83
Cap Reduction: 579 (basically more cash out of my pocket)
They were generous to give $1500 cap rebate
out of pocket to me: $3693.74

So, with cash up front my effective payment over 36 months is ~685.50 if math is correct. I'm not pursuing.

thanks for taking the time to respond.

The rebate is not "generous". It's required. If it's a Grand Coupe, the rebate is $2500.

Fees and Insurance is just a pre-printed line. It's all fees.

Total cost is closer to $667/mo. You have to pull the first payment out of the upfront money, before dividing it among the payments.

But, 54% residual is for 15K/yr
If you want 36/12, it should be 56%


If you have the actual documentation, post a screenshot (with personal info blacked out)

Here's the quote. Looks like 1/2 taxes paid up front. Thanks for taking a look.

The list of charges in the left hand column is for purchase (Purchase Option).
That's why the tax amount is different, in the partial lease disclosure numbers. All of the tax is being paid upfront. $2122 is the total amount of tax.

I can't get the numbers to match up, because the adjusted CAP cost isn't disclosed (no mention of the $925 acquisition fee), but the numbers are close.

I show a $2500 lease credit on this model, but perhaps it's lower for a service loaner?

There is nothing out of line with that quote.

Thanks for walking me through this. They insist this is a 2dr Coupe, which i think the $1500 lease credit applies.
This is all being done by email so I'll need to confirm by driving to the actual dealership that this is in fact a 2dr coupe and it all matches up. A VIN search says it is, but i'd have to see it in person.

Here is a previous quote i received from them that is more detailed, but based on 10K miles and not on what they listed on the Cargurus website in the description regarding a $579/mo lease with 12K. which is what they came back with and I posted previously

Does this seem like a reasonable cost on a retired loaner with under 5K miles?