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2013 and earlier BMW X5 Lease Questions



  • Thanks for the clarification, this was offered to me without any price negotiation so I think I still have a couple of ropunds of true negotiation to get the price down. Will let you know how it goes.

    Thanks again.
  • Just got a quote for a 2010 X5 4.8...

    - Premium Package
    - Premium Sound
    - Sport Activity Package
    - Roof rails
    - Rear Seat Entertainment
    - Heated Front Seats

    MSRP of $65,725 (which includes $825 destination fee)

    The quote I got is $59,320 (which includes the $2,500 holiday rebate, plus MACO i/a/o $200, Dest Charge i/a/o $825 and Training/Svc fee of $180).

    I calc'd my lease pmt to be $789+tax and title.

    Ok deal?
  • I ordered an X5 4.8 with the following lease conditions:

    MSRP: $78,475
    Cap cost: $71,365 (neg. price)
    MF: 0.00200
    Residual: 57%
    36 month, 15k/year
    lease inception fee: 725
    deposit: 1000

    $1040/ month ( tax in), no down payment. Drive off of: $3000

    What do you guys think? Decent deal?
  • Does anyone know the current lease rates for a 2010 X5 35d for 3 years and either 10,000 or 12,000 miles or preferably where I can find them. Any help would be greatly appreciated. Thanks!
  • Try this: r-2009/

    Money Factor 0.0025
    Residual for 36 mo. 15k/yr is 55%

    I would love to have the residual for 36 mo. 10k/yr if anyone knows what it is for 2010 35d.

  • Ok, got the quote cleared up.

    2010 X5 4.8
    Premium Package
    Premium Sound
    Sport Activity Package
    Rear Entertainment
    Heated Front seats
    Roof Rails

    MSRP: $65,725

    Dealer quoted me the following:

    MF: .0024
    RV: 60%
    Selling Price: $61,820 minus $2,500 holiday rebate to total $59,320
    Acquisition fee: $925
    No downpayment

    The dealer basically quoted me invoice + $1400 before rebate and acquisition fee.

    Lease Pmt + Tax/tags = $937 (in MD, sales tax is added to the value of the car's selling price, and not the lease pmt).

    Walk off with first pmt + $950 deposit.

    Is this a good deal?
  • Hello gumercindo. BMW just introduced its new January lease program a couple of days ago. BMW FS' new buy rate lease money factor and residual value for a 36 month lease of a 2010 X5 4.8 with 12,000 miles per year are .00150 and 60%, respectively.

    The $2,500 Holiday Credit that BMW was providing on this truck in December is no longer available.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi nugfan. BMW just introduced its new January lease program a couple of days ago. BMW FS' new buy rate lease money factor and residual value for a 36 month lease of a 2010 X5 35d with 12,000 miles per year are .00250 and 56%, respectively.

    The residual for a lease with only 10,000 miles per year is 1% higher.

    As you may already be aware, BMW is providing a $4,500 cash incentive on purchases and leases of diesel X5s.

    Prices Paid: Buying & Leasing Experiences Forum
  • smitf7smitf7 Posts: 13
    HI, my current lease on a '07 ML 350 is up on Feb 25. I am looking to replace with a BMW xdrive48i because it seems the incentives to lease are pretty good. I have on dealer offering me a selling price of invoice ($64,045 ) + maco (480) + 1000. I would lease for 30 mos with 10kmi/yr with an MF of 0.00150 and residual of 64% (I calculated payment including taxe to be $929): . Now knowing that the xdrive50i, would have a build date of 03/10...I dont know if:
    a) I should just do this deal
    b) wait for xdrive 50i
    c) I should do this deal but wait for Feb incentives to order my xdrive48i.

    Any advice or opinion is welcome. Do all dealers charge same MACO?
  • kyfdxkyfdx Posts: 70,521
    MACO varies regionally... So, most dealers in the same area will pay the same.

    You should be able to lock in your deal now, and it should be good until the end of March. Additionally, your dealer can change to the February or March plan, if that would benefit you, at that time (keep in mind, the incentives, money factor and residual are all one program.. you can't pick and choose each term, each month..)

    So, if you have a great deal now, I certainly wouldn't wait for February... If the good deals are gone, you'll miss out.

    Host-Prices Paid Forums


    Prices Paid, Lease Questions, SUVs

  • smitf7smitf7 Posts: 13
    Thanks for response. The car I built is:

    Premium Package
    Rear Climate Package
    Sport Activity Package with 20" Light-alloy wheels and Comfort Seat
    Comfort Access keyless entry
    Head-up Display
    Heated front seats
    Roof rails
    Running boards
    MSRP of $70,325
    Invoice of $64,545

    I had two dealer working on it just to have two price points.
    One has it at $800 over invoice + 400 for MACO.
    Other said he would do $600 over + 400 for MACO.
    I am sure the first guy will match.
    So basically $1000 over invoice for 30 mos MF of 0.00150 (that I may reduce with additional security deposit) and 64% residual (10k mi a year). Payment comes to approx $925 a mo with NY taxes included. I just have to decide if I want the Comfort Access keyless entry and Head-up Display. I think it may bother me a bit that the x50i will come out soon but I think it wont be sold so cheap over invoice and financing wont be great or a while. Does anyone have an opinion on the keyless and the HUD?
  • kyfdxkyfdx Posts: 70,521
    1) Big V8 vs. Big V8.. I wouldn't sweat waiting for the new model.. (but, I'm starting to see why you want a 30 month

    2) The whole fob/pushbutton start thing is ridiculous... the only way it starts to make sense is for the comfort access... I'd get it..

    3) No opinion on the HUD... never really had a chance to try that out...

    4) Make sure you get your quotes in real dollars before committing... Dealers sometimes have strange ideas about what constitutes "invoice".

    Good luck!


    Prices Paid, Lease Questions, SUVs

  • smitf7smitf7 Posts: 13
    Thank you...Made up my mind. Now I have to see which of the3 dealers (one cam e in unsolicited at $700 over invoice). What is a follproof source for invoice to verifyu what dealer says...
  • kyfdxkyfdx Posts: 70,521
    You can check the invoice number against Edmunds.. (+ MACO)...

    But, you are shooting for the lowest price.. Don't assume that one dealer's $700 over is cheaper than another dealer's $1000 over.. Build the exact vehicle you want, then compare the exact price given in actual US$.. Not, in some amorphous invoice + $xxx that might not turn out to be what you think.



    Prices Paid, Lease Questions, SUVs

  • smitf7smitf7 Posts: 13
    Thansk for advice. Interestingly, in this day and age teh deal still wants me to come in and meet live to plan everything out and finalize the deal in person so that sales managers give me the run-down of the residuals, money factors, invoice, MSRP, and security deposit requirements/explanation. I did get tehm to agree to pay for part of teh tunr in fee for the car I am sending back...
  • smitf7smitf7 Posts: 13
    Hi, just signed the papers. Decided to plunk down the maximum allowed deposits. Makes my payment $875 all inclusive a month with a drive-off of $9235.77 (includes 7200 of deposit i get back at lease-end). Only thing I could not figure out and finance manager there could not clarify is how the NY tax is calculated. If anyone can shed a light, it would be helpful...The way it was explained to me was: my monthly payment is $796.23 * 30 *8.875% * 1.09739. WHen I asked what 1.09739 was I was told its a NY FACTOR. ANyone know what this is?
  • lc2002lc2002 Posts: 2
    2010 bmw X5 35d with premium/technology and heated front seats. 12k/year
    Vehicle Price: $58,875.00
    Customer Rebate: - $4,500.00
    Selling Price: $54,375.00

    Sales Tax (estimate): + $4,725.06
    Tag/Registration Fees (estimate): + $194.00
    Documentation Fee: + $154.38
    Electronic Filing: + $25.00
    Balance Due (estimate): $59,473.44

    Cash Due 36 months 42months
    $1,500 $1018 $997

    looks on the high side for me. any remarks?
  • In NY you have to pay taxes upfront for all of the lease payments. If you roll those tax payments into the lease, you then have to pay interest on them. I'm guessing that's what the NY factor is.
  • smitf7smitf7 Posts: 13
    That could be it since the car is from NJ. But then the interest should be at the interest rate of the money factor which was 2.42% in my case (0.00101). The NY factor they spit out was 1.09739...The dealer cant explain it/BMW Manhattan cant explain/BMW FS (lets just forget their customer service has a purpose in life)/ NYS dept of taxation told me taht if dealer cant explain I should not pay for it. Still conused...It only adds $210 over teh life of lease but I still want to know what it is.
  • dl_amgdl_amg Posts: 54
    Was going to get X5 35dw/Prem+Tech+3rd row seat but ended with R350...due to no exact car and 2 months wait if ordered. Also R350 has great money factor and discounts.

    My best offer on X5 is ranging from $2500-$3000 below invoice after the Eco Credit ($4500). I'm in So. Cal.
  • wow that seems like an amazing deal...most of the dealers would only give an extra 1000 off the MSRP after the eco-credit....i talked to calabasas, thousand oaks , camarillo and south bay..the best deal i got was center in van nuys.
    where are you?which dealer did you go to?
  • dl_amgdl_amg Posts: 54
    3k at Valencia. Ask for internet sales manager "JC" or 2k at Alexander in downtown ask for Robert Lee. Based on my options both dealer has no car and require ordering it.
    Good Luck!
  • smitf7smitf7 Posts: 13
    Also I wanted to give an accolade to avery hard working Client Advisor at Prestige BMW in NJ, David Lee. He assisted me on my purchase, works very hard, and has gone above and beyond call of duty to get me a deal that worked. Case in point. I ordered car on MOnday and decided to add another package on it today and he was able to get that through. I have a question on a NY fee on my financing and he has gone out of his way to get the answer from teh NYS dept of Finance. He communicates very well and rapidly by phone and email, so if in the market and in tri-state, dont hesitate. David Lee at Prestige BMW.
  • andy09andy09 Posts: 1
    I am getting an X5 in Phoenix, AZ with
    Premium pkg
    Rear Climate pkg
    Technology pkg
    Comfort Access keyless entry
    3rd row seat
    ipod and usb adapter

    How much can i pay for this and also what are the prevailing lease rates for 15k mile/year for a 3 yr lease and what is the residual value.
  • Just purchased 2010 X5 4.8
    sport package 20 inch rims
    tech package
    premium package
    climate package
    heated seats
    msrp 69,950 or so
    residual 61%

    2600 down payment total out of pocket
    900 per month tax included in Florida
    36 month 10k
  • Greetings andy09. You should be able to get a decent idea of how much you should pay for this truck by stopping by the "BMW X5 Prices Paid and Buying Experience" discussion.

    As far as this vehicle's current lease program goes, if you were to lease a 2010 BMW X5 3.0 through BMW Financial Services right now for 36 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00175 and 58%, respectively.

    Prices Paid: Buying & Leasing Experiences Forum
  • roopdawg which dealership did you get that deal from?
  • diyediye Posts: 45
    Just leased an X5 3.0, details below:
    (X5 3.0, Premium, 3rd row seats, backrow climate package, ipod, heated seat, Sat Radio, running board)

    MSRP: 56,135
    Purchase Price: 52,535
    Residual: 60% (3 year, 12k/year)
    Money Factor: 0.00126 (0.00175 minus 0.00049 because of 7 Security Deposits)
    Bank Fee: 795
    Monthly Payment: $633
    Monthly Payment After Tax: $688
    Total out of Door: $2250 ( 1st Month, Bank Fee, Registration/Government Fees)

    I think I did OK. The car got almost all the options I need and nothing else. I got 3600 off MSRP, the dealer didn't markup money factor or Bank Fee. Without the 7 Security Deposits, the monthly payment will be $46 higher.
  • Congratulations on getting your new X5, diye. Thanks for taking the time to share the details of your lease with everyone. If you haven't already and you have the time, make sure to hop on over to the Dealer Ratings & Reviews section of to share your thoughts on your recent dealer experience.

    Enjoy your new ride :shades: !

    Prices Paid: Buying & Leasing Experiences Forum
  • oiakouoiakou Posts: 19
    what are the BMW's March residual and money factor for 36mo/10K lease on 2010 X5 3.0? Any cash incentives due to upcoming 2011 X5? Looking to lease in the NYC area.
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