2019 BMW X3 Lease Deals and Prices

deutschland1 · September 2018

Please evaluate the following lease and dealer discount for a new 2019 X3 S drive 30i for 36 months and 30,000 miles. I am told it is calculated on MF-.00166 with 59% depreciation and $2000 rebate applied. I am in Los Angeles. Mfg sticker price is $55,195. First time lease so I need your thoughts on where I could save money.

kyfdx · September 2018

deutschland1 said:

Please evaluate the following lease and dealer discount for a new 2019 X3 S drive 30i for 36 months and 30,000 miles. I am told it is calculated on MF-.00166 with 59% depreciation and $2000 rebate applied. I am in Los Angeles. Mfg sticker price is $55,195. First time lease so I need your thoughts on where I could save money.

The numbers are correct, as is the payment calculation
$5100 discount is good.
Fees are normal for CA

Not much else you can do, except to ask for a lower price, though that seems unlikely (can't hurt to try).

I think I'd roll the $925 acquisition fee into the lease.
That will drop the upfront by $1000, and add about $29/mo. to the payment.

nupeskee1 · September 2018

Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

kyfdx · September 2018

nupeskee1 said:
Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

Not that great.

A good comparison is the deal just above.
Same discount as yours, on a unit that is $10K lower MSRP.
And, no markup to the rate. (and, only $80 doc fee in CA)

nupeskee1 · September 2018

kyfdx said:

nupeskee1 said:
Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

Not that great.

A good comparison is the deal just above.
Same discount as yours, on a unit that is $10K lower MSRP.
And, no markup to the rate. (and, only $80 doc fee in CA)

Based on the numbers here are the calculations right? I know they are getting me on the money factor but what about the other numbers?

kyfdx · September 2018

nupeskee1 said:

kyfdx said:

nupeskee1 said:
Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

Not that great.

A good comparison is the deal just above.
Same discount as yours, on a unit that is $10K lower MSRP.
And, no markup to the rate. (and, only $80 doc fee in CA)

Based on the numbers here are the calculations right? I know they are getting me on the money factor but what about the other numbers?

The numbers look close. Would need the adjusted CAP cost to be exact.
Your up front money isn't enough to cover tax, doc fee (shew), $925 acquisition fee and first payment. Plus, you'll have DMV fees. So, the excess gets rolled into the CAP cost.

Frankly, your taxes look low. I would think they would be closer to $2000.

The marked up money factor adds $43/mo.

nupeskee1 · September 2018

kyfdx said:

nupeskee1 said:

kyfdx said:

nupeskee1 said:
Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

Not that great.

A good comparison is the deal just above.
Same discount as yours, on a unit that is $10K lower MSRP.
And, no markup to the rate. (and, only $80 doc fee in CA)

Based on the numbers here are the calculations right? I know they are getting me on the money factor but what about the other numbers?
The numbers look close. Would need the adjusted CAP cost to be exact.
Your up front money isn't enough to cover tax, doc fee (shew), $925 acquisition fee and first payment. Plus, you'll have DMV fees. So, the excess gets rolled into the CAP cost.

Frankly, your taxes look low. I would think they would be closer to $2000.

The marked up money factor adds $43/mo.

Thanks I got the full document now. Would like to get your thoughts...I only see a 7% discount from MSRP ($66370) but nothing for the $1500 rebate. Thought that would but subtracted from the cap cost?

kyfdx · September 2018

nupeskee1 said:

kyfdx said:

nupeskee1 said:

kyfdx said:

nupeskee1 said:
Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

Not that great.

A good comparison is the deal just above.
Same discount as yours, on a unit that is $10K lower MSRP.
And, no markup to the rate. (and, only $80 doc fee in CA)

Based on the numbers here are the calculations right? I know they are getting me on the money factor but what about the other numbers?
The numbers look close. Would need the adjusted CAP cost to be exact.
Your up front money isn't enough to cover tax, doc fee (shew), $925 acquisition fee and first payment. Plus, you'll have DMV fees. So, the excess gets rolled into the CAP cost.

Frankly, your taxes look low. I would think they would be closer to $2000.

The marked up money factor adds $43/mo.
Thanks I got the full document now. Would like to get your thoughts...I only see a 7% discount from MSRP ($66370) but nothing for the $1500 rebate. Thought that would but subtracted from the cap cost?

Your rebate is used to pay part of your upfront costs (listed in left hand column)
It's $2361 due at signing, not $2000.
Your tax is $2200, not $977

With those figures, they are using .00189 as the money factor, not .00206.
So, the money factor markup is just $23/mo.

nupeskee1 · September 2018

kyfdx said:

nupeskee1 said:

kyfdx said:

nupeskee1 said:

kyfdx said:

nupeskee1 said:
Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

Not that great.

A good comparison is the deal just above.
Same discount as yours, on a unit that is $10K lower MSRP.
And, no markup to the rate. (and, only $80 doc fee in CA)

Based on the numbers here are the calculations right? I know they are getting me on the money factor but what about the other numbers?
The numbers look close. Would need the adjusted CAP cost to be exact.
Your up front money isn't enough to cover tax, doc fee (shew), $925 acquisition fee and first payment. Plus, you'll have DMV fees. So, the excess gets rolled into the CAP cost.

Frankly, your taxes look low. I would think they would be closer to $2000.

The marked up money factor adds $43/mo.
Thanks I got the full document now. Would like to get your thoughts...I only see a 7% discount from MSRP ($66370) but nothing for the $1500 rebate. Thought that would but subtracted from the cap cost?
Your rebate is used to pay part of your upfront costs (listed in left hand column)
It's $2361 due at signing, not $2000.
Your tax is $2200, not $977

With those figures, they are using .00189 as the money factor, not .00206.
So, the money factor markup is just $23/mo.

Thanks for the feedback. I assume that this is a fair deal then?

Michaell · September 2018

nupeskee1 said:

kyfdx said:

nupeskee1 said:

kyfdx said:

nupeskee1 said:

kyfdx said:

nupeskee1 said:
Please provide feedback on the following deal for a 2019 X3 M40i for zip code 30005, 36 months 15k miles. Something does not feel right here.

MSRP: $66370
Sale Price: $59515 (discount and $1500 rebate applied for loyalty and Costco)
MF: .00166 marked up to .00206
Residual: 56%
Doc fee: $689
Taxes: $977
$2000 drive off $875 per month

Not that great.

A good comparison is the deal just above.
Same discount as yours, on a unit that is $10K lower MSRP.
And, no markup to the rate. (and, only $80 doc fee in CA)

Based on the numbers here are the calculations right? I know they are getting me on the money factor but what about the other numbers?
The numbers look close. Would need the adjusted CAP cost to be exact.
Your up front money isn't enough to cover tax, doc fee (shew), $925 acquisition fee and first payment. Plus, you'll have DMV fees. So, the excess gets rolled into the CAP cost.

Frankly, your taxes look low. I would think they would be closer to $2000.

The marked up money factor adds $43/mo.
Thanks I got the full document now. Would like to get your thoughts...I only see a 7% discount from MSRP ($66370) but nothing for the $1500 rebate. Thought that would but subtracted from the cap cost?
Your rebate is used to pay part of your upfront costs (listed in left hand column)
It's $2361 due at signing, not $2000.
Your tax is $2200, not $977

With those figures, they are using .00189 as the money factor, not .00206.
So, the money factor markup is just $23/mo.

Thanks for the feedback. I assume that this is a fair deal then?

I would disagree - as noted, the MF markup is inflating your payment.

Could ask the dealer for the base MF.

Justjudy310 · September 2018

Will you please check to see if this is a fair lease price, please?

CA: 90254
2019 BMW X3
12k miles per year
36 mos.

Michaell · September 2018

Justjudy310 said:
Will you please check to see if this is a fair lease price, please?

CA: 90254
2019 BMW X3
12k miles per year
36 mos.

Base MF - good

8.5% off MSRP - good

The math checks out.

I wouldn't give them the $2200 up front - just first payment and DMV costs. You'll have a higher payment, but less out of pocket. And, no risk of losing that money

I'd also want to get the breakdown of the almost $2500 in drive off costs. Could be some junk hiding in there.

Justjudy310 · September 2018

Thank you! I will do exactly what you suggest. I appreciate your help!

RammaJamma · September 2018

Here's one for you guys: SDrive30i 4dr 4x2 mSport
MF: .000176 (4.22%)
36 months
Residual %: 59%
Yearly Mileage: 15,000
MSRP: 54,590
Discount: $1,639 (3%) & 1,000 additional = $2,639 total.
Adjusted Price: $51,951

Additional Items: Permaplate, P/P Wheel Protection, P/P Paintless Dent Repair, Door Edege Guard & WIndow Tint add $1,399

Total Purchase: $53,350.00
Dealer Doc: $689.50
Tax: $387.78
Title Fee: 16.50
Acquisition fee: $925.00

Down payment: $17,000
Estimated payment: $379.00

Questions for you guys: Negotiation Points for me: MF is too high. Shoot for .00166 (3.98%), have them include Additional Items. Shoot for 8-10% off of MSRP discount?

Thanks for the help.

kyfdx · September 2018

RammaJamma said:
Here's one for you guys: SDrive30i 4dr 4x2 mSport
MF: .000176 (4.22%)
36 months
Residual %: 59%
Yearly Mileage: 15,000
MSRP: 54,590
Discount: $1,639 (3%) & 1,000 additional = $2,639 total.
Adjusted Price: $51,951

Additional Items: Permaplate, P/P Wheel Protection, P/P Paintless Dent Repair, Door Edege Guard & WIndow Tint add $1,399

Total Purchase: $53,350.00
Dealer Doc: $689.50
Tax: $387.78
Title Fee: 16.50
Acquisition fee: $925.00

Down payment: $17,000
Estimated payment: $379.00

Questions for you guys: Negotiation Points for me: MF is too high. Shoot for .00166 (3.98%), have them include Additional Items. Shoot for 8-10% off of MSRP discount?

Thanks for the help.

Agree with all of your negotiation points.

But, the 36/15 residual is 56%, not 59%

RammaJamma · September 2018

Here is my final deal:
SDrive30i 4dr 4x2 mSport
MF: .00166
36 months
Residual %: 56%
Yearly Mileage: 15,000
MSRP: 54,590
Discount: $2,799 & 1,000 additional = $4,799 total. Roughly 7% off MSRP
Adjusted Price: $50,791

I was able to negotiate the additional items to be included in the adjusted price: Value is $1,399.
Additional Items: Permaplate, P/P Wheel Protection, P/P Paintless Dent Repair, Door Edege Guard & WIndow Tint

Total Purchase: $51,752.00
Dealer Doc: $689.50
Tax: $344.09
Title Fee: 16.50
Acquisition fee: $925.00
Down payment: $15,000
Estimated payment: $361.00

How does this one look?

Michaell · September 2018

RammaJamma said:
Here is my final deal:
SDrive30i 4dr 4x2 mSport
MF: .00166
36 months
Residual %: 56%
Yearly Mileage: 15,000
MSRP: 54,590
Discount: $2,799 & 1,000 additional = $4,799 total. Roughly 7% off MSRP
Adjusted Price: $50,791

I was able to negotiate the additional items to be included in the adjusted price: Value is $1,399.
Additional Items: Permaplate, P/P Wheel Protection, P/P Paintless Dent Repair, Door Edege Guard & WIndow Tint

Total Purchase: $51,752.00
Dealer Doc: $689.50
Tax: $344.09
Title Fee: 16.50
Acquisition fee: $925.00
Down payment: $15,000
Estimated payment: $361.00

How does this one look?

You want to target 7% off MSRP, before incentives.

And, $2799 + $1000 is $3799; is there an additional $1000 discount you didn't mention?

Why would you put $15,000 down on a lease?

txkor24 · September 2018

Michaell said:

RammaJamma said:
Here is my final deal:
SDrive30i 4dr 4x2 mSport
MF: .00166
36 months
Residual %: 56%
Yearly Mileage: 15,000
MSRP: 54,590
Discount: $2,799 & 1,000 additional = $4,799 total. Roughly 7% off MSRP
Adjusted Price: $50,791

I was able to negotiate the additional items to be included in the adjusted price: Value is $1,399.
Additional Items: Permaplate, P/P Wheel Protection, P/P Paintless Dent Repair, Door Edege Guard & WIndow Tint

Total Purchase: $51,752.00
Dealer Doc: $689.50
Tax: $344.09
Title Fee: 16.50
Acquisition fee: $925.00
Down payment: $15,000
Estimated payment: $361.00

How does this one look?
You want to target 7% off MSRP, before incentives.

And, $2799 + $1000 is $3799; is there an additional $1000 discount you didn't mention?

Why would you put $15,000 down on a lease?

Don't ever put down payment on lease...

marcwalden1 · October 2018

Hello, what are the numbers for 36/12 in 36608 and are there any incentives for returning BMW customer. Thanks

marcwalden1 · October 2018

I’m looking at 2019 X3 Sdrive 30i btw. Thanks guys

kyfdx · October 2018

marcwalden1 said:
Hello, what are the numbers for 36/12 in 36608 and are there any incentives for returning BMW customer. Thanks

marcwalden1 said:
I’m looking at 2019 X3 Sdrive 30i btw. Thanks guys

.00182 MF and 58% residual
$1500 loyalty

marcwalden1 · October 2018

Ok, so I’ve been negotiating prices on a loaner 2019 x3 3.0 si and it has a MSRP of 48,875 and they are asking $41500. This loaner has 3000 miles and they are trying to sell me a new one of course, but I’m confused a bit over this one. Please help!!
They gave a purchase option sheet with lease options for 36/10 with only first months payment (642.23 and doc fees which comes to me 1462.92 for inception. I asked them how they got to that payment and they were vague about it and said I was getting base mf plus loyalty of $1500. I live in north Florida but this is a AL dealer so I think tax is 6% where I live. I realize this is not the format but could you please help?? The payment of 642.23 seems very high especially being a loaner as well. Thanks guys

marcwalden1 · October 2018

I’m gonna try you alls format! Lol
2019 X3 30si 10/36 Service Loaner 3k miles
Msrp 48,995
Special Price 41,500 ( they said loyalty is included in price above
Loyalty 1,500
Residual 60% = 28,134.55
MF .000182
Tax= 6% FL
negative equity = 2,510 for trade
Doc fee - 599.00
Payment - 642.23 - O down only first months payment and doc fee due at inception $1,464.92
This payment seems high for the price of this loaner! Please advise and even though I have negative equity of $2,510 with loyalty and low cap cost I figured I could get around $580 per month or cheaper! Thanks so much!

Michaell · October 2018

marcwalden1 said:
I’m gonna try you alls format! Lol
2019 X3 30si 10/36 Service Loaner 3k miles
Msrp 48,995
Special Price 41,500 ( they said loyalty is included in price above
Loyalty 1,500
Residual 60% = 28,134.55
MF .000182
Tax= 6% FL
negative equity = 2,510 for trade
Doc fee - 599.00
Payment - 642.23 - O down only first months payment and doc fee due at inception $1,464.92
This payment seems high for the price of this loaner! Please advise and even though I have negative equity of $2,510 with loyalty and low cap cost I figured I could get around $580 per month or cheaper! Thanks so much!

The $2500 in negative equity is adding about $70/mo to the payment - not much you can do to get around that, other than holding onto your current car to lessen the negative equity hit.

marcwalden1 · October 2018

Hey! Thanks for the quick response and advice as always! Well I was hoping with my loyalty of 1500$ and negotiating more off the cap cost that would offset that negative depreciation and get me to a payment of below 600$, that’s the ultimate goal for me. What else do you recommend and does this deal look solid despite the negative equity?

Michaell · October 2018

marcwalden1 said:
Hey! Thanks for the quick response and advice as always! Well I was hoping with my loyalty of 1500$ and negotiating more off the cap cost that would offset that negative depreciation and get me to a payment of below 600$, that’s the ultimate goal for me. What else do you recommend and does this deal look solid despite the negative equity?

Only way to lower the payment at this point is to negotiate a lower selling price; but, you're at 15% off MSRP already, so not sure how much lower you can go.

bostoetl · October 2018

could you please provide the mf, residual, and incentives for 2019 X3 M40i for Northern Virginia

36/10K

kyfdx · October 2018

marcwalden1 said:
Hey! Thanks for the quick response and advice as always! Well I was hoping with my loyalty of 1500$ and negotiating more off the cap cost that would offset that negative depreciation and get me to a payment of below 600$, that’s the ultimate goal for me. What else do you recommend and does this deal look solid despite the negative equity?

It's not 15% off, if the $1500 loyalty is included. Closer to 12% off.
That's an average deal.

Do you have the adjusted CAP cost?

kyfdx · October 2018

bostoetl said:
could you please provide the mf, residual, and incentives for 2019 X3 M40i for Northern Virginia

36/10K

.00182 MF and 59% residual

marcwalden1 · October 2018

Hello! Yes the CAP cost is 46,000. Do have a little more wiggle room in deal? Thanks

kyfdx · October 2018

marcwalden1 said:
Hello! Yes the CAP cost is 46,000. Do have a little more wiggle room in deal? Thanks

Payment looks about right.

I'd look for another $1500 off.

Bnss · October 2018

Please evaluate the following lease for a new 2019 X3 Sdrive30i for 36 month/15k miles. I am told MSRP is under invoice price. This vehicle includes driver assistance, premium, ventilated seats, and convenience package, if that helps. I am also told upfront security deposits are longer a BMW option. I am looking to pay TTL directly to DMV since taxes in my state are calculated on total MSRP, but looks like it was included as cash down. Can I save anywhere else besides asking for base MF? Also, no major discounts, especially for it being the last day of the month. Thanks in advance!

Bnss · October 2018

marcwalden1 · November 2018

What are November numbers/incentives for 36608 X3 M40i 12/36?

kyfdx · November 2018

Brandi Soileau said:

The money factor is marked up the maximum amount from the .00182 base.
That adds $30/mo. to your payment

kyfdx · November 2018

marcwalden1 said:
What are November numbers/incentives for 36608 X3 M40i 12/36?

.00182 MF and 58% residual

Beba89 · November 2018

Hello!! Need some advise, I'm working on getting this 2019 X3, used 2800 miles..36 mths/12k...money factor .000232 (I know base is .00182 for new BMW). They lowered the vehicle price but won't budge on Money Factor 🤨😣. He says the $1000 (under Cash Down) isn't going towards lowering the sale price it's the first months payment and fees 🤔. Doesn't sound right if it's listed under Cash Down and not 1st months payment. I'd love to hear feedback! Thank you!

Michaell · November 2018

Beba89 said:
Hello!! Need some advise, I'm working on getting this 2019 X3, used 2800 miles..36 mths/12k...money factor .000232 (I know base is .00182 for new BMW). They lowered the vehicle price but won't budge on Money Factor 🤨😣. He says the $1000 (under Cash Down) isn't going towards lowering the sale price it's the first months payment and fees 🤔. Doesn't sound right if it's listed under Cash Down and not 1st months payment. I'd love to hear feedback! Thank you!

Max MF should be .00222 with top tier credit - do you know your score?

That, more than anything, will drive down your payment.

Beba89 · November 2018

Yes, I have a 750

Michaell · November 2018

Beba89 said:
Yes, I have a 750

Then politely tell them that you want the base money factor, or you will go to a different dealer

joshsdca1 · November 2018

How is this deal? I assume high. What should it be at? 2019 X3, 36/10, zip 92101. Payment is at $786.73

Michaell · November 2018

joshsdca1 said:
How is this deal? I assume high. What should it be at? 2019 X3, 36/10, zip 92101. Payment is at $786.73

.00182 and 59%

$669/mo, plus tax.

Again, get the CAP cost and MF used for the dealer quote.

Bnss · November 2018

Hi, Can you get below base MF if you have excellent credit? If so, can you finance the lease through your own bank or elsewhere to see about a lower MF?

Antonio9 · November 2018

Year: 2019
Make, Model, and Trim: BMW X3 xDrive30i
Months/Annual Mileage: 36/12
Zip Code: 37174

Residual:?
MF:?
Incentives:?

kyfdx · November 2018

Brandi Soileau said:
Hi, Can you get below base MF if you have excellent credit? If so, can you finance the lease through your own bank or elsewhere to see about a lower MF?

No.. the base MF is for top tier credit.

Independent banks can't compete with BMWFS lease programs

kyfdx · November 2018

Antonio9 said:
Year: 2019
Make, Model, and Trim: BMW X3 xDrive30i
Months/Annual Mileage: 36/12
Zip Code: 37174

Residual:?
MF:?
Incentives:?

.00182 MF and 58% residual
No lease incentives

2019 BMW X3 Lease Deals and Prices

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