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2013 and earlier BMW X5 Lease Questions



  • Looking for 36 mo lease numbers (residual and money factor) for a 2012 X5d, likely with the premium package only (MSRP $61,095, invoice $56,245). I've seen numbers posted earlier for 10, 12 and 15k leases, but could you please provide updated numbers for 15, 20 and 25k miles per year? I am aware of the eco credit and any additional feedback on a reasonable market price (exclusive of credit) would be most appreciated.

    Thank you in advance!
  • habitat1habitat1 Posts: 4,282
    A reasonable market price, IMO, is $1,000 over invoice on a car that's exactly what you want (i.e. either in stock or order to be built). Meaning that, after the eco-credit, you would be at $3,500 under invoice (or less, if you qualify for other credits). Note also that dealers will contend that the Edmunds invoice price doesn't include MACO and other dealer expenses, so they (try to) adjust upwards for those.

    I would think a good sales price (before eco or other credits, but including all other dealer charges other than taxes and registration) on the vehicle you describe, with an MSRP of $61,095 would be $57,600 or less (i.e. $3,500+ dealer discount).

    And, if you can't find one in stock, order it for Performance Delivery Center pickup for an experience that is "priceless".
  • Greetings davidg13. BMW Financial Services' September buy rate lease money factor and residual value for a 36-month lease of a 2012 X5d with 15,000 miles per year are .00145 and 54%, respectively.

    The residual value for a lease with only 12,000 miles per year would be 2% higher. The 10k residual values would be 3% higher. I believe that 15,000 miles per year is the highest mileage allowance that BMW FS publishes residual values for. If you need to drive more than that you will have to purchase additional miles on a per-mile basis. It is less expensive to do so at lease signing than it is to wait until lease-end and have to pay an excess mileage penalty.

    Prices Paid: Buying & Leasing Experiences Forum
  • Thank you, Car_man. I greatly appreciate the help.
  • You're very welcome davidg13.

    Prices Paid: Buying & Leasing Experiences Forum
  • PLease tell me if this is a good deal? I have been offered the following deal on a 36 mo 15,000 lease on an 2013 X5 premium.

    Cold Weather Package
    Convience Pkg
    Comfort access (included / no charge)
    Soft-close automatic doors (included / no charge)
    Navigation system (included / no charge)
    Satellite radio w/1 yr sub
    BMW apps

    MSRP :$61,320
    Money Factor is .00145
    residual is 57% for 15,000miles per year
    capital cost is $57,420
    adjusted cap cost is $55,170
    rebate cap reduction $2,250 (BMW Drive for Olympics $1,000; Iphone app $500, loyalty $750)

    Monthly Payment:
    $750.28 including Sales Tax plus fees

    Total Due at Delivery:
    COD of $1,792 equals the sum of first payment, acquisition fee of $725, sales tax on rebate CR, documentation of $75, $20 tire fee and inspection.

    Carman: please respond asap. Thanks so much!

  • habitat1habitat1 Posts: 4,282
    edited September 2012
    Mind if I ask you a question as to what factors have caused you to decide on an X5 3.5i as opposed to the X5d? I can guess that it might be slightly quicker off the line acceleration and maybe the fact that it's a relatively short term lease, but I'd like to hear from you.

    Over on another forum regarding diesels Diesel forum I made a statement that for me personally, I couldn't see why the X5d doesn't win out over the X5 3.5i for almost anybody. With the added $4,500 eco-credit, even though it stickers at about $2,500-3,000 more than the gas version, the net price (or capital cost) is about $1,500-2,000 less. The fuel cost savings over 3 years and 45,000 miles would, by my rough calculations be another $2,000 or $50-60 per month (18-20 average vs. 23-25 average). And, except for dead start 0-30 acceleration, the 30+ mph and highway passing acceleration with the V8 like torque is as strong or stronger than the gas model. My 510 mile drive back from picking up the vehicle last week reinforced my decision - 29.4 mpg at 60-80 mph (varied for break in) and complete ease going up and down the hills through the Shenandoah's compared to our old MDX. Obviously though, a ton of X5 buyers think differently than me, since the diesel still is well less than half of the X5 sales, and you are in the majority.

    Diesel or gas, one thing I would strongly recommend you consider is ordering the X5 to your exact specs and picking it up at the Performance Delivery Center if that fits your geography and schedule. The experience I had on the track and on their off road course at the hands of professional instructors will make the next 200,000 miles even more enjoyable. Really makes you appreciate how well made and dynamically balanced the X5s (and M3s) are
  • Simple, I liked the engine better and also didn't like the sound of the diesel.
  • ab10000ab10000 Posts: 127
    edited September 2012
    Diesel is for unsofisticated buyers who thinks they are etting a deal "4500 Eco BS"

    1- Diesel is slower and sluggish and less responsive than the x5 3.5 gas
    2- The Msrp savings are about 1000 only when comparing same options
    3- You get the old 6 speed transmission, no 8 speed which is in x5 3.5 gas. No one will tell you that. Therefore your are getting a lower price on the car
    4- In California diesel is 15 cents more expensive than premium gas and the spread will be wider overtime. Oil companies have to account for cannbilzation, therefor they have to raise the price of diesel to of set the efficiency of the engine. Otherwise they will sell less gallons of fuel which means less profit
    5- the diesel car is heavier which means it stops slower and handels inferior to the x5 gas
    6- the sound of engine is ugly compared to the amazing BMW gas engine
    7- all BMW salespeople and many members of this forum who are affiliated with BMW want to push the diesel product, because is not desirable and they make more money on it.
    8- the tourqe story is exaggerated and used for marketing. This is for towing uphill, what is the point if the car is powerful but not as responsive as gas. Still gas is more than 1 second faster to 60 with less tourqe.

    So for all the above I find it really difficult to understand why people buy it, other than they have cheap mentality, they think they are saving but at the expense of all the above. It is not worth it for me. Let me know your thoughts.
  • habitat1habitat1 Posts: 4,282
    edited September 2012
    My thoughts are that you are the one that's unsophisticated at best. At worst ______ fill in the blank.

    One second faster 0-60 is a big deal for you. OK, I understand. But if you want to drag race an X5 between stoplights, be aware that the 3.5i 6 cylinder gas engine from a 3 series is not exactly going to be taking many checkered flags from the V8 X5 5.0 or Cayenne S. The fact is that an X5d from 40-80 is equal to or quicker than the gas model, which is where highway acceleration matters to me. Getting 29.4 mpg on my 510 mile trip home from the factory was nice icing on that cake. As for why diesel is 15 cents more than premium in California, take it up with your elected socialists. It's priced slightly above mid grade here, about 10 cents a gallon less than premium at the Shell station I stopped at. Once. Still on the second tank.

    I certainly think the 3.5i has a nice feel off the line, but the X5d is hardly "unresponsive". 35 less horsepower but 125 more ft. lb of torque is a pretty good SUV trade off in my opinion. Having owned a 911S for five years, my next higher horsepower, lower torque car is likely to be another 911, Cayman S or M3 - not a 5,000+ pound SUV.

    My guess is that you've never actually driven the vehicle. Certainly never witnessed first hand a BMW instructor take an X5d around a track at speeds you likely couldn't match in a M3, let alone X5 3.5i. But that's also fine. The fact that BMW has to offer a $4,500 discount to overcome an unsophisticated public in the U.S. is great for those of us on the buying side.

    FWIW, the biggest gripe of the BMW professional driving instructors I heard at the Performance Delivery Center last week had nothing to do with "unsophisticated" diesels, but the fact that BMW is being forced to go to turbo's to meet EPA mandates. You say you like the sound of the 3.5i engine. Well absolutely NONE of them want to see or hear a variant of that replace the natural free revving V8 in the M3, which is what is happening in 2013/4.

    Maybe you can print this article out and take it to the throne to improve your own sophistication as to the future of BMW diesels: M Diesel
  • Couldn't say it better myself. I was skeptical of the diesel even when I signed the paperwork, but this car continues to blow my mind in it's capabilities.

    Drive the truck for an extended period of time, get almost 600 miles out of a tank a gas, and try to tell me this vehicle is for unsophisticated buyers.

    I've had luxury cars for many many years and this is the most satisfied I've ever been with respect for value and performance.
  • zlvzlv Posts: 1

    I'm looking at leasing a 2013 BMW X5 premium with convince package and was wondering if anyone could share the terms of their lease or what they think would be a fair down and monthly payment so i can know how hard to push in negotiating.

    Thank you in advance :)
  • I posted a few days back about a lease I was presented with. Your comments would be most helpful. Thanks.
  • Hi Car_man-

    I have a question about loyalty cash and a lease. If the dealer says it is willing to sell the car at invoice, is it reasonable to expect them to deduct an extra $750 for the BMW loyalty cash which is currently being advertised? I am being told they are willing to sell a 2013 BMW X5 50i at invoice, but when I inquired on loyalty cash, I was told that the price offered already took the loyalty cash into account. Thanks, again, for your assistance!
  • Just got my friend a deal on this X5 . Thought it was pretty amazing!

    MSRP - $78,045 (Nappa Leather, M Performance Package, M Sport Package, 20" Wheels, Premium Package, Premium Sound, Technology Package, Luxury Package)

    Selling price - $70,681
    BMW Drive USA Credit - $1,000
    BMW Loyalty Credit - $750
    USAA Member Credit $1,000
    App. Credit - $500

    Final selling price - $67,431
    Money Factor - .00145
    Residual for 12,000 per year - 61%

    Total due at signing - $3,656.72 (1st month payment $717.46, Bank fee $725, Taxes $1,963.76, Transfer plates $153, Doc Fee $75, NYS Insp. $10, NYS Tire Fee $12.50)

    Monthly payment - $717.46 for 36 months.

    CARMAN - What do you think? Good Deal?? :)
  • That looks like an outstanding deal to me. Can you provide any further details on how the dealer was able to do this since it looks like the selling price before all of the credits was a few thousand dollars below invoice? I am looking at a 2013 X5 xDrive50i as well, but its MSRP is several thousand dollars less than the vehicle you described. Any additional information you could provide would be helpful. Thank you.
  • I shop very thoroughly and know what I'm doing! Its about $1,600 behind invoice. Invoice on that car is about $72,181.00 :)
  • Based on the deal you got, I have no doubt you know what you are doing. Would you care to share any tips with the rest of us on the forum? What I have read here is that if you can get a selling price of invoice before other available credits, you are getting a good deal.
  • Find the desperate salesman! Sometimes I'll talk to 2 or 3 different salesman at the same dealership to see who really needs the business for the month. Someone who is trying to hit a bonus for the month and doesnt care about taking a mini commission and will work on your side to make the Manager see you can get the deal elsewhere and something is better than nothing!

    Hope this helps - its one of my tricks!
  • habitat1habitat1 Posts: 4,282
    That is a great deal - I assume it was on a vehicle on the dealer lot?

    When shopping for an X5d, about the best we could do on a custom order was $1,000 over (true) invoice as the dealer price, before subtracting the various credits. However, there were a couple of heavily optioned X5d's on dealer lots that we could have gotten at or below invoice, if we wanted to compromise on our option selections and color preferences.

    It is possible to find extraordinary deals on hard to move vehicles. I referred a friend to a dealership that sold him a brand new 2011 535i manual transmission for $45,500 that had an MSRP of $59,500 and an invoice of over $55,000. It sounds like the dealer on this X5 5.0i was concerned that a $77k non-M X5 would sit for awhile and was willing to be aggressive in discounting. Good deal for you.
  • This was a custom order - we ordered it about 5 weeks ago. What is (true) invoice? So on the car I got $78,045, I calculated the invoice to be $72,181. Is this right?
  • Would you be able to post which dealer this is?

  • habitat1habitat1 Posts: 4,282
    Edmunds invoice numbers don't include MACO and a dealer fee that varies by dealer and region. So what the dealer's invoice reads is higher by these amounts. I'm not sure what other kickbacks or credits the dealer got in order to give you a deal at well under invoice. BMW is in the process of redesigning the X5, and may have an excess inventory of 5.0 engines that they need to run through, so there may be some side deals going on. I'll ask the sales manager at my dealership.

    So....more importantly, did you take delivery yet and/or are you picking it up at the Performance Delivery Center? That's free, but well worth about $2k in grins and experience by itself.
  • Hi Snow26. This deal looks like it's at around $1,000 over invoice minus a ton of available cash incentives plus the use of the buy rate lease money factor and base acquisition fee. That's not bad.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hey nd_irish. If the dealer is truly willing to sell you this car at invoice, then yes I personally would expect them to deduct the loyalty cash from that. If the dealer is keeping the loyalty cash then they are really selling you the truck at $750 over invoice, which still isn't bad...just not as good as straight invoice.

    Prices Paid: Buying & Leasing Experiences Forum
  • Thanks, but I am dealing with the Manager and he claims this is 500 over their costs, before the rebates. It is a new order 2013. Are they lying to me? Thanks
  • Thanks, again, Car_man. I also would appreciate it if you could let me know what the September 2012 residuals and money factor are for a 2013 BMW X5 50i 36-month lease with 12,000 miles per year and 15,000 miles per year. Thanks!
  • ans9806ans9806 Posts: 12
    edited October 2012
    CARMAN - For a 2013 X5 35i SAV, I'm being quoted (haven't started negotiating yet):

    MF: .00185

    Acquisition fee: $925
    Doc fee: $150

    From what I can tell by reading on here, MF should be .00145, and it looks like acquisition fee should be $725, and doc fee ~$75. Is that right?

    Other than loyalty cash ($750) and USAA ($1000) - are there any other incentives I should be aware of?

  • Both FY12 (diesel) and FY13 (non-diesel) X5s
  • csd455csd455 Posts: 3
    edited October 2012
    I've had a dealer tell me that the October 2012 programs (enhanced from last month) are:

    2013 X5 Premium - 36month Lease:

    59% residual (12K miles/yr)
    .00135 base money rate

    When I run lease numbers however, (keeping cap cost and all other factors the same) the .00135 only makes a $10/month payment reduction vs. last month's .00145. The advertised program however is $20/month lower than last month. Not sure what I'm missing
  • ans9806ans9806 Posts: 12
    I told the dealer that I knew his numbers were way off, and that I wouldn't even start negotiating until I was sure he was being honest with me. He did come back and tell me that the October buy rate had gone to .00135, and that the remaining fees (acquisition fee and doc fee) were negotiable.

    Didn't ask about the residual, but assume it's either 58 or 59%. Thanks.
  • csd455csd455 Posts: 3
    Keep in mind that different trim levels I think have different residuals. I've only shopped for the X5 premium. Just wish I knew why my calculations don't seem to pay out to the $20/month lower payment as advertised this month.
  • You're welcome snow26. The difference is likely the fact that the dealer is probably including advertising or some other sort of fee in their cost versus the straight dealer invoice price that is listed here at I still think that this is a good deal.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi nd_irish. BMW Financial Services' current buy rate lease money factor and residual value for a 36-month lease of a 2013 X5 50i with 12,000 miles per year are .00135 and 61%, respectively for consumers who qualify for its top credit tier.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hey ans9806. The money factor that you were quoted is way too high. BMW FS' October buy rate for this model is only .00135 for consumers who qualify for its top credit tier. Try to find a dealer that will use that factor to calculate your payment.

    They are marking up the acquisition fee by $200 as well...but that's not nearly as big a deal as the money factor mark-up.

    The cash incentives that you mentioned are the only ones that I've seen out there.

    Prices Paid: Buying & Leasing Experiences Forum
  • Here you go 0audilicious0.

    BMW FS' October buy rate lease money factor and residual value for a 36-month lease of a 2012 X5 35d with 10,000 miles per year are .00135 and 57%, respectively for consumers who qualify for its top credit tier.

    The numbers for an otherwise identical lease of a 2013 X5 35i Premium are .00135 and 60%.

    Prices Paid: Buying & Leasing Experiences Forum
  • csd455csd455 Posts: 3
    Car Man - I think I'm heading into the dealer gauntlet finally to try and put a deal together today. Just to recap the above information so I'm clear:
    X5 Premium, 36mo/12,000 mi per year Lease
    59% Residual
    .00135 base money factor

    The only part I'm worried about--and potential grey area-- is what exactly I will qualify for on the rate and how much they will mark it up. Credit score from all three bureaus is right around 710. Perfect payment history with auto loans and all other creditors, including a mortgage. Concern is they will use the fact that I'm not above a 750 and use that to leverage a big rate markup. Last month one dealer told me they need to be at .00175 if they sell the car at invoice, and haven't even looked at my credit yet.
  • nj550inj550i Posts: 19

    On the BMW website, they use 36 months/10K with a 60% residual. I hope this will clarify your lease computation.
  • Thanks Car_man. What are the residual for 15K miles a year? is it 54% for the 35d and 56% for the 35i?
  • You're welcome 0audilicious0. The 10,000 mile per year residual values would be 3% lower, so that would be 54% and 57%.

    Prices Paid: Buying & Leasing Experiences Forum
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Hey CSD455 -

    The dealer is playing the typical game with you. Move on and shop a few other dealers. First of all with a perfect credit history and score of 710 you will automatically get a Tier 1 rating with BMWF. The dealer is just trying to pick up an extra $1,100 on you by bumping the money factor to .00175 because he is selling the car at invoice. I have helped many friends with buying X5's and you can get them from $1,800 to $2,000 behind invoice with the current BMWF buy rate on the money factor. Most dealers had a horrible September and don't want a replay for October. Plus BMW is behind on there numbers for this year and put extra volume incentives in place for the fourth quarter. Don't settle for less than the buy rate and $1,500 behind invoice. Hope this helps… Good Luck!
  • ans9806ans9806 Posts: 12
    edited October 2012
    Thanks very much for the info. Here's what I ended up with:

    X5 35i SAV with essentially everything but the M packages:
    --Cold weather package
    --Convenience package
    --Luxury seating package
    --Premium sound package
    --Technology package
    --Running boards
    --BMW apps

    MSRP: $68,020
    Invoice: $63,140
    My price: $63,680
    Minus Incentives ($750 BMW loyalty; $1000 USAA): $61,930 purchase price

    No mark up on MF (.00135) or acquisition fee ($725). Doc fee $75.

    I feel pretty good about this, but I'm ordering it and haven't put down the deposit yet. If there's a much better deal to be had, I'd love to know.

    Appreciate the help from you and from everyone else on here.
  • ab10000ab10000 Posts: 127
    What city and state you are in?
  • habitat1habitat1 Posts: 4,282
    I don't want to start another diesel vs gas debate on this forum, but there are some interesting posts on edmunds diesel. We have logged 1000 miles on our X5d since picking up at the Performance Delivery Center and couldn't be happier. So, given that you are not checking the M Sport box, the D would save you another $1500 up front and at least 30% at the pump over the next 3 years.

    I will repeat my strong recommendation for the Performance Delivery Center pick up - it's worth at least as much as your loyalty credit and its free. The experience on the track with BMWs instructors is exceptional and they will put you in an X5 to show you how to drive it more confidently on and off road.
  • ans9806ans9806 Posts: 12
    I'm in Seattle.
  • gurmgurm Posts: 27
    Which dealership?

    I am in Seattle too and looking to order an X5 with sports activity package.
  • gurmgurm Posts: 27
    Also did you get 20's or 19s? (Sports activity vs premium?)

    That's a big question considering the hills and little snow we get here!
  • ans9806ans9806 Posts: 12
    Appreciate your thoughts. I drove the X5d (twice, actually) because I wanted to convince myself to want it, but it just wasn't for me. At some point, buying a $65,000 SUV becomes an emotional decision, and for all the practical benefits of the diesel, I just didn't like it as well.
  • ans9806ans9806 Posts: 12
    edited October 2012
    BMW of Seattle was my dealer, but to be honest I'm not sure it matters. This is my third BMW...first one was from Bellevue and the last two from Seattle. I work downtown, so having the dealer closer (for free car washes, mostly) is slightly nicer, but doubt I got a better deal than I could have at Bellevue. Probably the biggest perk of the Seattle dealer is that you can park at the dealership on Seahawk game days, which is really nice if you have season tickets!

    I got the 19s with all-weather tires. Much as I like the look of the 20s, they come with performance tires, which are terrible in the snow.
  • gurmgurm Posts: 27
    I am purchasing instead of leasing.

    Any idea how much I could get off msrp?

    I'll stick to 20's.....they look much better I think. I'll swap the RFTs with non-RFT...the DWs's...all season tires. Good looks with fair level of handling in snow.
This discussion has been closed.