2019 BMW 5-Series Lease Deals and Prices

MrMclean650

Hello,

I am currently trying to work a deal to lease a 2019 BMW 540i RWD. My scenario is a little challenging because I have negative equity but I wanted to see if the deal I am being provided is decent.

Current Vehicle:
36-month lease with 32 months left.
pay off amount $55,081.
Value: $31,500
Monthly Payment: 1109.

New Lease Deal:
2019 BMW 540I.
Down Payment: 15K.
Rebates: Loyalty rebate - was told they could only use one. Inquired about Conquest as I previously owned an Audi a few months ago, member of USAA, Costco.
Zipcode: 20148
MSRP: $70,135.
Selling Price: $65,185 - I am not sure if this is accurate. I originally asked for their best price and was told $200 off and that all rebates were worked into my monthly payment. Then when I told them, I was no longer interested. They told me $65,185 was the price they worked into the lease quote.
Monthly Payment Options: $1198, 10K Miles/36M Or $1218, 12KMiles/36M.
Money Factor Unknown.
Credit Score: 788

I thought about paying 10K down on my current lease and putting down 5K on the BMW lease but was told that it doesn't make sense to pay down current lease because it ends up being a "wash" and that the numbers end up the same. Not sure how true that is.

Curious if the deals being offered are pretty good? Seeing that the monthly payments aren't much more than my current payment.

Michaell

MrMclean650 said:

Hello,

I am currently trying to work a deal to lease a 2019 BMW 540i RWD. My scenario is a little challenging because I have negative equity but I wanted to see if the deal I am being provided is decent.

Current Vehicle:
36-month lease with 32 months left.
pay off amount $55,081.
Value: $31,500
Monthly Payment: 1109.

New Lease Deal:
2019 BMW 540I.
Down Payment: 15K.
Rebates: Loyalty rebate - was told they could only use one. Inquired about Conquest as I previously owned an Audi a few months ago, member of USAA, Costco.
Zipcode: 20148
MSRP: $70,135.
Selling Price: $65,185 - I am not sure if this is accurate. I originally asked for their best price and was told $200 off and that all rebates were worked into my monthly payment. Then when I told them, I was no longer interested. They told me $65,185 was the price they worked into the lease quote.
Monthly Payment Options: $1198, 10K Miles/36M Or $1218, 12KMiles/36M.
Money Factor Unknown.
Credit Score: 788

I thought about paying 10K down on my current lease and putting down 5K on the BMW lease but was told that it doesn't make sense to pay down current lease because it ends up being a "wash" and that the numbers end up the same. Not sure how true that is.

Curious if the deals being offered are pretty good? Seeing that the monthly payments aren't much more than my current payment.

What is so wrong with your current car that you would you roll $24K of negative equity into the new lease?

And, cash up front on a lease is also a bad idea - it doesn't change the cost of the lease, and the up front money is at risk if the car is stolen or totaled. In that respect, your dealer is correct.

My advice? Ride out your current lease, then shop for a new car.

MrMclean650

Thanks for the response. The car that I am driving just simply isn't worth it to me and makes me miserable every time I drive it.

If my only two options are to trade the car in and put down 15K towards the lease OR pay down the current lease by 10K and then lease the new vehicle with 5K down, which would be the best scenario?

Do the numbers look okay to you?

kyfdx

MrMclean650 said:

Thanks for the response. The car that I am driving just simply isn't worth it to me and makes me miserable every time I drive it.

If my only two options are to trade the car in and put down 15K towards the lease OR pay down the current lease by 10K and then lease the new vehicle with 5K down, which would be the best scenario?

Do the numbers look okay to you?

Those two options are basically the same thing.

Looks like you rolled over a lot of negative equity, when you leased four months ago.

You only have $35,500 in payments left on your vehicle. Have you thought about trying Swapalease, and getting someone to take over your lease? You could put $16K towards it as an incentive, and that would drop the payment to $609/mo. That would save you $8K over trading it with the negative equity.

And, you should really stop leasing. It isn't saving you any money, and it doesn't look like you can manage to take any vehicle to term, anyway.

samplesam

Hello was wondering the the MF, RV, and incentives for 2019 530e 10k/36 mo in 92620 zip code. Thanks you in advance!!

Michaell

samplesam said:

Hello was wondering the the MF, RV, and incentives for 2019 530e 10k/36 mo in 92620 zip code. Thanks you in advance!!

.00188 and 61%
No lease incentives

MrMclean650

Thanks, Kyfdx.

Great insight.

I thought about trying to put the vehicle on Swap lease but Unfortunately, the manufacturer does not allow for lease swaps. I would still be listed on the account and responsible if any payments are missed. Not a risk, that’s worth taking. In my opinion. Can’t afford to tank my 794 FICO. I wish that option was available to completely remove me from the lease and allow me to save 8K.

This is my first time leasing. I figured it is better than financing for 60-72 months since I do like to change cars. The 5 series that I am looking at getting is a very unique build. This one I am planning to keep the full term as I do not want to deal with this costly mistake again.

kyfdx

MrMclean650 said:

Thanks, Kyfdx.

Great insight.

I thought about trying to put the vehicle on Swap lease but Unfortunately, the manufacturer does not allow for lease swaps. I would still be listed on the account and responsible if any payments are missed. Not a risk, that’s worth taking. In my opinion. Can’t afford to tank my 794 FICO. I wish that option was available to completely remove me from the lease and allow me to save 8K.

This is my first time leasing. I figured it is better than financing for 60-72 months since I do like to change cars. The 5 series that I am looking at getting is a very unique build. This one I am planning to keep the full term as I do not want to deal with this costly mistake again.

Your risk is only $35,500 if you let someone take it over, and you are already willing to eat $24K of it. With those numbers, I would take a chance. If you are still on the hook, you'll get a notice if they miss a payment, so you should be able to keep your credit rating.

This one I am planning to keep the full term

LOL

kdrareg

Hello - Please share 2019 540i RWD RV and MF in 90027. Any lease incentives? I'm also a current BMW leaseholder.

kyfdx

kdrareg said:

Hello - Please share 2019 540i RWD RV and MF in 90027. Any lease incentives? I'm also a current BMW leaseholder.

36/15
.00188 MF and 57% residual
$2000 loyalty

nhcphilly

Hi Michael. Do you have the RV and MF for a 2019 M550xi in zip 19066, for a 36/12 lease?

Michaell

nhcphilly said:

Hi Michael. Do you have the RV and MF for a 2019 M550xi in zip 19066, for a 36/12 lease?

.00188 and 59%
No lease incentives

kdrareg

Thanks. Does RV go to 58% or 59% for 36/12 and 36/10 term?

kyfdx

kdrareg said:

Thanks. Does RV go to 58% or 59% for 36/12 and 36/10 term?

59%/60% residual for 12K/10K

rajshaheb

Looking for January's MF, incentives, residual 2019 530e 12k/36m lease. zip 85254

Michaell

rajshaheb said:

Looking for January's MF, incentives, residual 2019 530e 12k/36m lease. zip 85254

.00188 and 60%
No lease incentives

JimK

Hello. Can I please get MF and Residuals for a BMW 540i (RWD)?
10K / 36 months
Zip Code is 19342.
Thank you.

Michaell

JimK said:

Hello. Can I please get MF and Residuals for a BMW 540i (RWD)?
10K / 36 months
Zip Code is 19342.
Thank you.

.00188 and 60%
No lease incentives

JimK

Michaell said:

JimK said:

Hello. Can I please get MF and Residuals for a BMW 540i (RWD)?
10K / 36 months
Zip Code is 19342.
Thank you.

.00188 and 60%
No lease incentives

Thank you Sir. I really appreciate it. I also had a similar question re: a Mercedes e450 4matic over in the Mercedes forum. Not sure if you saw it or not.

mjames83

Hi! Would you provide January numbers for 2019 M550i 36/15 in 43201?

Michaell

mjames83 said:

Hi! Would you provide January numbers for 2019 M550i 36/15 in 43201?

.00188 and 57%
No lease incentives

pmarcos1

Hi there, first time here, first time considering leasing. Feeling so dumb. But OMG thank you for all the useful information in this forum! I can't tell you how helpful it is to a newbie like me. I've got a couple inquiries

Looking for RV and MF for a 2019 530e RWD in 94024. I'd like both 36/12 and 36/10 (we're undecided on what our expected mileage would be at the moment).

How common is it for dealers to mark up the MF? So far I've only gotten a single quote for a lease and the MF they quoted is .00228, which assuming the base MF would be closer to .00188 seems like a decent markup. I see lots of people getting quotes with the base MF so I'm just curious if that should be my expectation.

With the details I've gotten so far I calculated the following:

MF: .00228
RV: 61%
MSRP: $61,495.00
Discounts: $7,240
Selling price: $54,255
Fees: $2,000 (DMV, Acq, tax, and "tire fee" which I'm asking for clarification)
Adj Cap cost: $56,255 (nothing down)
Depreciation: $18,744
Base Monthly Payment: $521
Rent Charge: $214
Monthly Payment: $734
Tax: $66 (9%)
Total Payment: $799

I'd love to hear if I've made a mistake anywhere and whether this would be seen as a good, bad, or average deal. Thanks again for this tremendous resource!

Michaell

pmarcos1 said:

Hi there, first time here, first time considering leasing. Feeling so dumb. But OMG thank you for all the useful information in this forum! I can't tell you how helpful it is to a newbie like me. I've got a couple inquiries

Looking for RV and MF for a 2019 530e RWD in 94024. I'd like both 36/12 and 36/10 (we're undecided on what our expected mileage would be at the moment).

How common is it for dealers to mark up the MF? So far I've only gotten a single quote for a lease and the MF they quoted is .00228, which assuming the base MF would be closer to .00188 seems like a decent markup. I see lots of people getting quotes with the base MF so I'm just curious if that should be my expectation.

With the details I've gotten so far I calculated the following:

MF: .00228
RV: 61%
MSRP: $61,495.00
Discounts: $7,240
Selling price: $54,255
Fees: $2,000 (DMV, Acq, tax, and "tire fee" which I'm asking for clarification)
Adj Cap cost: $56,255 (nothing down)
Depreciation: $18,744
Base Monthly Payment: $521
Rent Charge: $214
Monthly Payment: $734
Tax: $66 (9%)
Total Payment: $799

I'd love to hear if I've made a mistake anywhere and whether this would be seen as a good, bad, or average deal. Thanks again for this tremendous resource!

.00188 is the base MF; I would insist on that, or shop a different dealer.

I'm about $1 off your calculations; the MF bump is costing you $40/mo.

pmarcos1

Yes, I'm certainly going to be shopping around and will focus on the base MF. Thanks again for everything you're doing!

Any guess as whether the values will change for Feb?

Michaell

pmarcos1 said:

Yes, I'm certainly going to be shopping around and will focus on the base MF. Thanks again for everything you're doing!

Any guess as whether the values will change for Feb?

No guesses for future program changes.

dmonk

Hello, can anyone provide residual and base money factor for MY2018 530i? Thanks!

kyfdx

dmonk said:

Hello, can anyone provide residual and base money factor for MY2018 530i? Thanks!

2018?

Please re-post here, and include your ZIP:
https://forums.edmunds.com/discussion/44735/bmw/5-series/2018-bmw-5-series-lease-deals-and-prices#latest

r2km000

Hi kyfdx and Michaell,

Thanks in advance for you help. Can you tell me if the below deal makes sense? The cash out looks a bit high to me. This is for m550i 10k/36 months. Any help would be great!

Michaell

r2km000 said:

Hi kyfdx,

Thanks in advance for you help. Can you tell me if the below deal makes sense? The cash out looks a bit high to me. This is for m550i 10k/36 months. Any help would be great!

Was there supposed to be an attachment to your post?

r2km000

i posted it too soon, i had to edit it to add you and the pic! lol. Thanks!

r2km000

BTW, this is in California

kyfdx

r2km000 said:

i posted it too soon, i had to edit it to add you and the pic! lol. Thanks!

The calculations are correct.
6% off MSRP
All of the fees are correct.
Base money factor with no markup.

How much you pay upfront is up to you. You can roll the $925 acquisition fee into the payment, which will lower your upfront by about $1000. Of course, this will raise your payment by about $30/mo.

The only way to lower the cost, is to negotiate a lower selling price.

r2km000

What’s the current discount on m550i’s? I feel like a lot of people are getting in the 10% off range. But let me know if I’m being realistic. 

Michaell

r2km000 said:

What’s the current discount on m550i’s? I feel like a lot of people are getting in the 10% off range. But let me know if I’m being realistic. 

We don't track pricing; use this link to help:

https://www.edmunds.com/tmv.html

je2ep

530e Bluestone Mettalic, M Sport, Drv Asst Plus, Parking Assist, Lighting Pkg, HK, Heated Steering
65660.00 MSRP
-10560.00 (Disc + Rebates)
-500 (BMW Drv event, dealer wouldn't give additional $500 from their pocket)
54600 before taxes and fees

3.89% Finance cost (4k rebate applies here)

How does this compare?
Thanks

XanderCage11

Looking for some help with these numbers.

I am currently trading in an owners choice bmw 428i. my term ends next month and was quoted this for a new 530i

MSRP-57795
Price: 51,791
Trade - 23500
Trade Diference - 29049
doc fee-157.25
Tax-1815.56

Residual - 34,099

kyfdx

je2ep said:

530e Bluestone Mettalic, M Sport, Drv Asst Plus, Parking Assist, Lighting Pkg, HK, Heated Steering
65660.00 MSRP
-10560.00 (Disc + Rebates)
-500 (BMW Drv event, dealer wouldn't give additional $500 from their pocket)
54600 before taxes and fees

3.89% Finance cost (4k rebate applies here)

How does this compare?
Thanks

10% off MSRP, minus rebates?
Looks pretty good.

What ZIP?

kyfdx

XanderCage11 said:

Looking for some help with these numbers.

I am currently trading in an owners choice bmw 428i. my term ends next month and was quoted this for a new 530i

MSRP-57795
Price: 51,791
Trade - 23500
Trade Diference - 29049
doc fee-157.25
Tax-1815.56

Residual - 34,099

Is this another Owner's Choice deal, or a lease?
What term and mileage allowance?

Or, just a straight purchase?

XanderCage11

kyfdx said:

XanderCage11 said:

Looking for some help with these numbers.

I am currently trading in an owners choice bmw 428i. my term ends next month and was quoted this for a new 530i

MSRP-57795
Price: 51,791
Trade - 23500
Trade Diference - 29049
doc fee-157.25
Tax-1815.56

Residual - 34,099

Is this another Owner's Choice deal, or a lease?
What term and mileage allowance?

Or, just a straight purchase?

This is another owners choice. 36 months 12k/year.

There is some damage on my car, they said they would be willing to overlook and take the trade.

Monthly payment with 0 down is 820.00

kyfdx

XanderCage11 said:

kyfdx said:

XanderCage11 said:

Looking for some help with these numbers.

I am currently trading in an owners choice bmw 428i. my term ends next month and was quoted this for a new 530i

MSRP-57795
Price: 51,791
Trade - 23500
Trade Diference - 29049
doc fee-157.25
Tax-1815.56

Residual - 34,099

Is this another Owner's Choice deal, or a lease?
What term and mileage allowance?

Or, just a straight purchase?

This is another owners choice. 36 months 12k/year.

There is some damage on my car, they said they would be willing to overlook and take the trade.

Monthly payment with 0 down is 820.00

That seems really high.
Are you eating any sort of negative equity from the previous vehicle?

5.19% APR on Owner's Choice. I'd guess they've marked that up.
Did they give you an adjusted CAP? Or, maybe they call it something different for OC?

Apple1122

Looking for Residual and Money Factor on 2019 530i xDrive for January and February (if out) and any incentives.

kyfdx

Apple1122 said:

Looking for Residual and Money Factor on 2019 530i xDrive for January and February (if out) and any incentives.

What is your location?
What term and mileage allowance?


February numbers won't be out until.... February.

Apple1122

zip: 10603, 10k per year mileage

Apple1122

12k mileage also

kyfdx

Apple1122 said:

Looking for Residual and Money Factor on 2019 530i xDrive for January and February (if out) and any incentives.

Apple1122 said:

zip: 10603, 10k per year mileage

Apple1122 said:

12k mileage also

.00188 MF
60%/59% residual
No lease incentives

Jaley702

Looking for RV and MF for 2019 540i 89166. Thanks!

Michaell

Jaley702 said:

Looking for RV and MF for 2019 540i 89166. Thanks!

36/15
.00188 and 57%
no lease incentives

je2ep

kyfdx said:

je2ep said:

530e Bluestone Mettalic, M Sport, Drv Asst Plus, Parking Assist, Lighting Pkg, HK, Heated Steering
65660.00 MSRP
-10560.00 (Disc + Rebates)
-500 (BMW Drv event, dealer wouldn't give additional $500 from their pocket)
54600 before taxes and fees

3.89% Finance cost (4k rebate applies here)

How does this compare?
Thanks

10% off MSRP, minus rebates?
Looks pretty good.

What ZIP?

Zip: 95035

kyfdx

je2ep said:

kyfdx said:

je2ep said:

530e Bluestone Mettalic, M Sport, Drv Asst Plus, Parking Assist, Lighting Pkg, HK, Heated Steering
65660.00 MSRP
-10560.00 (Disc + Rebates)
-500 (BMW Drv event, dealer wouldn't give additional $500 from their pocket)
54600 before taxes and fees

3.89% Finance cost (4k rebate applies here)

How does this compare?
Thanks

10% off MSRP, minus rebates?
Looks pretty good.

What ZIP?

Zip: 95035

They are marking up the APR from the 2.89% base (assuming 60 months.
$2000 APR credit
$2000 loyalty.

Jaley702

Do these numbers make sense?