2013 BMW Lease Rates – February 2013

UPDATE II: Sorry gang. Going to postpone requests until I get the rest of the lease rates posts. It’s becoming a distraction.

UPDATE: All, please be specific with what you are looking for. Also, don’t ask me for the same thing if someone else has already requested, so please scan through the post and comments BEFORE posting your request. I’m not big on double work. Thank you.

Exciting news for all of you shopping for a BMW this month!! I will break away from tradition and allow REQUESTS for THIS MONTH ONLY! The reason I am allowing it is because I can actually answer your questions this time. Typically, I don’t have a very complete list of numbers. But this month is one of those few exceptions. So if you don’t see a particular term you are looking for (24 or 48 months), a model you want to lease, or a model year (2012 or 2013), drop me a line. I will try to get that info to you within 24 hours.

3-series coupes are getting about $1500 in lease cash (M3 included). 6-series get about $3500. There is also option credits up to $4500 for diesel/hybrid models.

Pull ahead program is available for leases expiring by August 31st. Check with your dealer for details.

2012 models getting lease support for one more month.

$750 loyalty cash available

Support my site by getting your “no obligation” quotes from:


2013 BMW 128i Coupe
36 Month – Residual 59% of MSRP – .00130 Base Rate

2013 BMW 128i Convertible
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 135i Coupe
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 135i Convertible
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 328i Coupe
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 328xi Coupe
36 Month – Residual 63% of MSRP – .00130 Base Rate

2013 BMW 328i Convertible
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 335i Coupe
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 335is Coupe
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 335xi Coupe
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 335i Convertible
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 335is Convertible
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 328i Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 328i Sedan xDrive
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 335i Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 335i Sedan xDrive
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW M3 Coupe
36 Month – Residual 59% of MSRP – .00130 Base Rate

2013 BMW M3 Convertible
36 Month – Residual 58% of MSRP – .00130 Base Rate

2013 BMW 528i Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 528i xDrive Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2012 BMW 535i Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 535i xDrive Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 550i Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 550i xDrive Sedan
36 Month – Residual 60% of MSRP – .00130 Base Rate

2013 BMW 550i GT xDrive Sedan
36 Month – Residual 62% of MSRP – .00130 Base Rate

2013 BMW 650i Coupe
36 Month – Residual 54% of MSRP – .00090 Base Rate

2013 BMW 650i Convertible
36 Month – Residual 54% of MSRP – .00090 Base Rate

2013 BMW 740i Sedan
36 Month – Residual 51% of MSRP – .00130 Base Rate

2013 BMW 740Li Sedan
36 Month – Residual 51% of MSRP – .00130 Base Rate

2013 BMW 750i Sedan
36 Month – Residual 52% of MSRP – .00130 Base Rate

2013 BMW 750i xDrive Sedan
36 Month – Residual 52% of MSRP – .00130 Base Rate

2013 BMW 750li Sedan
36 Month – Residual 52% of MSRP – .00130 Base Rate

2013 BMW 750li xDrive Sedan
36 Month – Residual 52% of MSRP – .00130 Base Rate

2013 BMW Z4 sDrive28i
36 Month – Residual 64% of MSRP – .00130 Base Rate

2013 BMW Z4 sDrive35i
36 Month – Residual 64% of MSRP – .00130 Base Rate

2013 BMW Z4 sDrive35is
36 Month – Residual 64% of MSRP – .00130 Base Rate

2013 BMW X1 xDrive28i SUV
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X3 xDrive28i SUV
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X3 xDrive35i SUV
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X5 xDrive35i Premium SUV
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X5 xDrive35d Diesel SUV
36 Month – Residual 51% of MSRP – .00130 Base Rate

2013 BMW X5 xDrive35i Sport Activity SUV
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X5 xDrive50i SUV
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X5 M SUV
36 Month – Residual 53% of MSRP – .00130Base Rate

2013 BMW X6 xDrive35i Crossover
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X6 xDrive50i Crossover
36 Month – Residual 57% of MSRP – .00130 Base Rate

2013 BMW X6 M Crossover
36 Month – Residual 54% of MSRP – .00090 Base Rate

2013 BMW 640i Gran Coupe
36 Month – Residual 54% of MSRP – .00090 Base Rate

2013 BMW 650i xDrive Gran Coupe
36 Month – Residual 54% of MSRP – .00090 Base Rate

139 thoughts on “2013 BMW Lease Rates – February 2013

    • 2012
      58% – .00100
      52% – .00100
      62% – .00090
      56% – .00090

      Gangnam style! 😀

  1. Hi G, what is the lowest MF and highest residual for a 2012 BMW this month? Do you also have the incentive numbers for 2012? Thanks in advance.

    • 2012 all have $750 loyalty. Diesels have the $7500 eco credit.
      as for your other question. I would need to know what term you are talking about. But the lowest MF is .00100 which is available on the 6 and 7-series

  2. G, I appreciate your willingness to accept Requests.

    2012 335xi Coupe 24 months 10k miles.


  3. That doesn’t seem the same as what BMW has on bmwusa.com, and I calc that at 58% for 10K miles, or 54% at 15K miles, which stinks:

    36 months based on MSRP of $63,795.00. Purchase option at lease end for $37,001.00. Excess mileage charges of $0.20 per mile for miles driven in excess of 30,000 miles

    What do you make of this, G?

    • My take is that unless BMWUSA is posting their lease rates on their website, I find it hard to believe that the numbers I am sharing are wrong. 🙂 Looking at your calculation, the residual difference between a 10k lease and a 15k lease is 3%. There are probably som hidden numbers that they aren’t sharing, so I don’t pay too much attention to their marketing promotions.

  4. 2013 Active Hybrid 3 still have $3500 eco credit?

    36 month 15k lease is 58% residual, .00130 MF correct?


  5. 5 series GT has a higher residual than the sedan? They are jacking the residual to get it off the lot? Diesel has a lower residual than gas? They are taking advantage of the govt credits? Rhetorics but Interesting.

    • they are milking the crap out of those gov’t credits. just look at the diesel, that’s a lot of cash. I never truly believed that the residuals were based on resale values. They manipulate that fairly consistently in order to move cars. That’s probably how BMW stays ahead of MB in terms of sales, because a lease is still technically a sale.

  6. Don’t have a specific request. Just want to say I’ve used you in the past to lease a BMW and wanted to say thanks for your continued support. Its greatly appreciated. 🙂

    • Thanks Anthony, I really appreciate you taking the time to drop me a line in support of my work. It’s feedback like yours that keeps me going month after month. So thank you for your continued support! 🙂

  7. Thanks for doing this so consistently over the years. You’re the only reliable source of vehicle lease data -amazing!

    Can you share the residual on a 535xi 24 month (10k)? MF remains .00130 I presume?

    • Thanks! I appreciate your comments. It’s been a fun ride so far. 🙂

      The MF stays the same. the residual is 66% for 15k, add 3% for 10k

  8. Hi G,

    I used your site to lease my Acura TSX in 2010. I am going to be a senior in college next year, with a job by graduation. Would it be smarter to buy a used 2009-11 BMW 328i XDrive or lease a coupe 328i XDrive right now? Lease rates seem really good right now, and dealers have a lot of 2012’s left on the lot. I want the 6 cylinder one, not the 4 cylinder turbo which is why I was considering the E90.

    Would it be more cost effective to buy it outright now for around 22k-23k or just continue leasing? I love this car and wouldn’t mind driving it for the next 5-6 years.

    Thanks a lot,

    • @andy. Glad to have you back. In your particular case, I recommend buying. Buying is always going to be more “economical” thank leasing, specially if you can get a lower interest rate on a loan or pay in cash. The only thing I worry about with BMWs is long term reliability and quality. I haven’t had much luck with BMWs in the past.

  9. G,

    Thank you for providing this service. Can you please share the 24-month, 10k mi./yr residual and money factor for the 128i?

    Thanks in advance!

    • To clarify, I’m looking for the numbers on the 128i coupe. Also, do the 135is rates differ from the standard 135i?

      • ’13 128i coupe

        24k 65% – .00130
        36k 59% – .00130.

        add 3% for 10k

        135is and 135i have the same rates.

  10. Can you please share the 24-month, 12000 mi./yr residual and money factor for the 2013 x6 35i?

  11. Hi G, can you please shed more details on this:

    2013 X5 Diesel:

    1. How much is the eco credit ? I am hearing $3,500, but wanted to confirm

    2. What is residual and MF for 24mo/24K miles lease ?

    Much appreciated!

  12. What is the numbers for a 2013 535i, 30 month lease with 12,000 miles per year and also with 25,00 miles per year?
    Thanks for your great web site!

    • Thanks Scott.
      63% – 0.0013 then add 2% for 12k per year.
      for 25k, consult your dealer. They have to calculate that for you.

  13. Thanks for the info G, much appreciated! The $1500 incentive cash, is it available for 2013 335 sedans also?

  14. Pretty sure the Active Hybrid 5 lease #s are incorrect.

    The 61% residual may be a 24 month lease, and the residual for 36 months is 55% (both #s for 15k). The January residuals were 55/61. Also, if you use the lease example on BMW’s website (yes you said you don’t trust what they put on their website, but it’s very easy to calculate the residuals using the fine print), the 36 month 10k/year lease example uses a residual of 58%.

  15. There appears to be a difference in the lease rate between the calculator and the feb lease rate offer from BMW for a 335i activehybrid.

    Here is what I am using –

    MSRP – 52745
    Residual – 32174 (61%)
    Money Factor – 00130 (3.2%)
    Down payment – 3725 (excluding first month payment)
    Credit – 4500 (Lease credit and Ecocredit)

    The offer rate is $399/month for a 36 month lease @ 10K. When I plugin the numbers in the calculator, I get $555 as the base payment, and $659 as the base payment+fees.

    What am I doing wrong?


        • yup, you are correct in the assumption that the sale price needs to be near $43000 for the numbers to work. However, the part you probably don’t know about is that its going to cost you more than $3750 down to drive it off the lot. I’m thinking more like $5k if anything. Give this a read: http://www.ridewithg.com/index.php/2011/07/estimating-your-payments-with-the-rwg-calculator/ That should give you an idea on how to use my calculator. Understand that BMWs can carry padded bank fees and other unusual fees like MACO and Training. Talk to friendly and knowledgeable dealer. You will then see what I mean.

          • Good to know :).. Even if I factor in 5K in the Fees rolled in column, the payment doesn’t seem to change much (with the $43K sale price) – so how do they get to offer something for $400 / month?

            I have never leased before, but I was thinking of trying it out until the new BMW diesels come in.

          • Ranga, you are miscalculating the payment with the calculator. Promotions do not include fees and taxes, that is stated in the fine print. So your actual cost will be a lot higher than the $400/mo they claim. Since you have never leased before, I recommend learning as much as you can before you begin your negotiations. Please read over the material under Leasing 101 so you are familiar with how leasing works. The writeup on how to estimate lease payments with my lease calculator walks you with a few scenarios. It will teach you how to use the calculator properly. Fees should only be rolled into the loan if you don’t play on playing it up front.

          • Thanks. For the exact car on the lease offer @399 / month (excluding any downpayment/fees/tax) , based on the listed M.F, Residual, MSRP, downpayment etc, the selling price would have to be around $43K. If I take Truecar’s estimated price & average savings for the Activehybrid 3, it is about 11-13% off. After applying the credits, turns out to be around the same selling price ($42K).

            That definitely sounds like a good deal IF there is no other catch? Only if you add another 1-2K in fees, would it start getting unattractive.

            I understand that the actual lease payment would be higher depending on the downpayment,

          • Your fees will more than likely be in the 2k range. Your target sale price including all discounts and rebates should be in the $43k range if you want the $400 a month (plus tax) payment. In order to hit this payment, BMWFS is asking for a $3000 cap reduction (aka down payment, which doesn’t include fees). If this interests you, I suggest that you start emailing dealers and inquiring about this car because the numbers will likely change depending on the MSRP.

          • Thanks. I have already started emailing the dealers.

  16. Hi G, can you share the current numbers for a 2012 550 xi, 24 and 36 month leases with 10k and 12k? Thanks so much!

  17. Hi – when you list a residual and base rate above, e.g.:

    2013 BMW 328i Sedan xDrive
    36 Month – Residual 60% of MSRP – .00130 Base Rate

    That is the base rate for:

    1 – top tier credit
    2 – no MSDs


    • 1- yes
      2- yes
      and it’s also 15k. You have to adjust the residual by 2% or 3% depending on whether you want 12k or 10k miles per year.
      All this information is posted through the site under every post and under my disclaimer section.

  18. Hi G, a few questions, if you don’t mind –
    1) My registration expires before my lease does. What do you know about returning a car unregistered? (renewal fee is more than one month’s payment!)
    2) Do you know the numbers for a 2012 650i coupe 6MT for 2 years / 10k miles?

    • 1) If you did a 39-month lease and your registration renews yearly, this could be a problem. I don’t have an official answer for you on this, but I suspect that this could be a problem if you got pulled over driving an unregistered vehicle. Not sure what other penalties there would be. From a dealers perspective tho, I don’t see a big deal since they have transferable dealer plates. The issue is more about what you plan to do with an unregistered vehicle..are you going to drive it? return it in advance? park it until its time to return it? etc…
      2) ’12 650i coupe – .00100, 56%, add 3% for 10k

      • Thanks for the info, G! My plan was to take advantage of BMW’s pull-ahead program. I have 4 months left on my lease, and my registration just expired. It would be $700 to renew it. If the dealer doesn’t care that it’s unregistered, it may be advantageous to just keep it in the garage until the deal goes through (I have other means of transportation).

        • I would recommend telling the dealer about the registration and see what they can do for you. I don’t see a huge issue, but there may be some concerns that I may not be aware of. Definitely keep it garaged and maybe they can come grab the car from you and put on the dealer plate.

  19. Hi G

    Is this a good deal in sf bay area?

    BMW 3 series activehybrid @ $390 /month, $6750 in drive off charges (excluding tax & license), for a 36 month 10k mile lease? MSRP 58995, Sale price : 52905. (excl finance charges?, doc processing fee, govt fees, electronic file charges)

    If I plug in the numbers (assuming 0.00130 and 61% residual), the sale price actually needs to be $46K, and the downpayment translates to an additional $185 / month. The factor I am struggling with is the sale price quoted and what the sale price needs to be according to the calculator. The quoted sale price seems to be equal to $46K (calculator sp) + $6750 (drive-off) = $52750. What am I missing?

    • Ranga, did you get a chance to read over the posts on Leasing 101? I ask because you aren’t calculating numbers properly. You keep adding the fees into the calculator, but you are paying those as part of your drive-off. You only add fees into the calculator if you aren’t going to pay them up front.

      Here’s the deal:

      MSRP 58995
      Sale Price 52905
      RES 61%
      MF .0013

      If you pay just DMV, dealer/bank/county fees up front (which I estimated to be about 1500-2k in my previous responses), you payment will be in the $585/mo range.

      Now, the dealer is not asking you for $6750 in drive-off changes. They want $6570 in CAP COST REDUCTION also known as DOWN PAYMENT. This is YOUR contribution to reduce YOUR loan. It doesn’t include the $1500-$2000 in fees I was talking about. How do I know this? Just subtract the sale price by $6750 and you will get a monthly payment of $389/mo. In truth, you aren’t really missing anything. Just need to how the fees and down payments are applied.

      And yes, a $585 + tax payment with about $1500-$2k due at signing is a good deal for a car that’s nearly $60k.

      • Ok.. Signed the deal –

        MSRP – 61070 (Residual – 37252.7 @ 61%) for 10k/36month
        Sale Price – 53500 (includes $3000 credit)
        Rolled in Fee (Lease protection) – 1295
        Downpayment – 3000
        first month (570)+ Fees (561) + Acq fee (925) + tax (414) – $1000 rebate = 4470
        M.F – 0.0017 (Dealer would not budge with the markup).
        Monthly payment – $570.

        Looks like a good deal to me?

  20. Hey G-

    Thanks for providing us with all this useful information. Can you please tell me the residual and money factor for 15k miles/year on a 2013 335i Sedan for February? I’m sure the MF is still 0.00130 but not sure about the residual.

    I ordered it in December and locked in the $1000 holiday cash, 0.00130 MF, and 57% residual for 39 months at 15k per year. The car just arrived and I will take delivery next week and want to see if the rates are better now. I understand there is another $1000 incentive on these starting Feb 7th. If the rates are better now and result in a lower monthly payment I should be able to get the lowest rate, correct?

    Thank you so much.

    • I don’t have 39mo numbers. Not sure if BMWFS is offering those right now. 24, 30, 36, 42 and 48 are the only terms I am seeing. If you look back and compare the Dec numbers with Feb, you will notice the MF stayed the same and the RES went up 2% on the 36mo leases. It is likely that the residual has gone up and Feb rates are better.

      • G, thanks for the quick reply! My dealer will not give me the 39 month residuals and says that the best they can do is what we already locked in before so now I know what they mean.

        Can you please tell me what the 42 month/15k miles residual and money factor is just so that I can see what my monthly payment would become?

        I am really leaning towards doing 7 MSDs to lower my MF by 0.00049. If I can afford to do this I should go ahead and do it, right? I would put down $4550 but it would save me $1738.23 in interest.


  21. Hi G,

    Great site, keep up the good work! Quick question. Can you confirm this is right:

    2013 BMW 328i Coupe
    36 Month – Residual 63% of MSRP – .00130 Base Rate

    My FA is telling me it’s the same as February @ 62%

    Still an awesome lease with the $1,500 credit and $750 owner loyalty, but the extra 1% would be a nice bonus.


  22. G, thanks for all your hard work in providing MF and residuals. It’s been invaluable to us in the marketplace. Do you provide MF and Residual rates on Mini Coopers or just BMW’s? Looking at 2013 Countryman S for my wife. 10K miles/year, 3 year lease. Was told .00135 and 58%. Any lease cash, holdbacks or infinitives available? What’s going rate over invoice $500 – $1,000?

    Also, I echo comment above regarding needing M5 rates.


      • Thanks G. Regarding the M5 numbers, I noted your response above that the numbers were requested by another user and to look back over everyone’s posts. I did so, but did not see your reply listed. Could I impose on you to list them again (maybe after March rates are released). I’m going to do the pull ahead program and am looking seriously at the M5.

        • Hi Ron, sorry you didn’t find it. The MF is the same as most BMWs….0.00130. The residuals are the following (24,30,36,42): 55%, 52%, 49%, 40%. There is $750 in loyalty cash. I don’t know if I will have the March numbers or not so might as well use these for now. They may not change so I’d stick with it until you are told otherwise.

  23. Hi G–I’ve been using your site since my 2007 bimmer purchase, and used it again for my 2011 Audi. thanks so much for the continued invaluable shopping info.

    Can you confirm if the 135is convertible rates are the same as for the 135i?

    Also, do you have 30 and 24 month residuals on a 10K lease? I can just add 3% to the 36 month residual quoted to get the 10K/36, but I don’t know how to calculate the 24 and 30 month 10K leases.



    • Hi Eli. sorry for the delayed response. Yup I do remember your 07 bimmer. pretty nice ride. Time for a new car again? Well, the coupe and convertible i and is are all the same. MF is the same for all 24-42 month leases. Residuals are as follow (in 24-30-36-42 month terms) 66-63-60-51
      Good luck with your lease!

  24. Here’s the deal I got using your invaluable info on a 2013 335is 36/10k. Banging out a 97 on the G meter.

    MSRP 60095
    My price 56583
    Fact incen 2282
    Adj cap cost 54324
    M factor .0013
    Residual 65%
    Tax 7%
    Payment 583

    • VERY NICE BILL! That’s a nice incentive you got on top of the price discount. Love it! Congrats on the new car!!!

      • Let me pass this along. I’m prior service Army and have a USAA credit card. USAA has a outstanding car buying discount for BMW’s in particular. On the 3 series it’s basically $1200 over invoice before applying any incentive cash. The deal varies on the model but it provides a great place to start. You can access the program through their website provided you’re a member. I’ll send you the pics when it gets here. Its gonna be bad a$$!

  25. Hi G,

    Awesome website. Spent quite a while going through your Leasing 101 section and playing with the calculator which a friend introduced me to. I’m planning to lease a BMW and I’m doing my best to not let car salesman get the upper hand.

    1. I went to a BMW dealer in Washington where they gave me the following figures for a car I configured online (Snapshot of the config is here – http://i.imgur.com/cxFcwoL.jpg). They basically could only give me a 3% discount that brought the deal to this:

    MSRP: 47345
    Sale Price: 45924
    Rebates: 1000
    Fees : 240.75 (tag/registration) + 150 (documentation) + 925 (bank acquisition fee) + 350 (disposition fee due at vehicle return)
    Cap Cost Reduction: 1296.25 (which I can take down to 0)
    Money Factor: 0.0017 (I was hoping to get it down to 0.0013 but they wouldn’t budge)
    Residual: 63%
    Miles: 10,000 a year
    Monthly Payment: 588 with tax and fees included (which I guess will go up around 25 if the cap cost goes down)

    Is this a bad deal / terrible deal / dealer taking me for a fool kinda deal or should I expect that they won’t budge much for the 328i? They wouldn’t give me anything better than the 3% discount on any 328i cars that were on the lot either. Your thoughts?

    2. Also another deal that I was able to get. There was a 328i on the lot from August 2012 with most of the stuff maxed out (Harmon Kardon sound system, HUD, heated seats, rear automatic sunshade… you name it, except for the rear view camera) unlike the config I posted above. They obviously wanted to move it so this is the final deal I got:

    MSRP: 50,445
    Sale Price: 46,565
    Same miles and fees except a 100 dollar discount on the disposition fee.
    0 cap cost.
    Residual: 57% (lower than the 63% above)
    Money Factor: They said 0.00155 which I negotiated to 0.00133
    Monthly fee: $685

    Is this another case of them trying to fleece me or do you think this is reasonable / a good deal?

    Forgive me for the long question 🙁

    • Hi Gaurav, thanks for checking out the site. Glad you found the information helpful!
      After analyzing your deals. I have to say, they blow. I mean just look at the comments above and you will notice some folks are getting pretty good discounts on their 3-series.
      In any case, I think offer #1 isn’t not worth the while. The MF is being padded and they are padding the bank fee too. Also, disposition is generally irrelevant because its paid at the end of the lease and it usually waived if you lease another BMW or avoid if you trade it in or if you buyout your lease. The discount isn’t significant enough in my opinion.
      Offer #2 also sucks. 2012 328i sedans carry a MF of .00115, so you are still overpaying. The problem isn’t really the car. It’s the dealership. It’s not going to get any better trying to negotiate with them.

      • Thank you so much G, yeah that was my feeling too. I told them flat out I won’t go for the car at that price. After talking with a number of folks in my office though I found out that the BMW Bellevue dealership that gave me these numbers is kinda arrogant and known to be the worst among the ones in this area.

        However another dealership gave me a much better deal and I’m just about to take it if everything works out. He gave me the numbers for a 708 cap cost reduction but I’ve gotta ask him for a 0 cap cost number.

        These are what he quoted for a 2013 BMW 328i Sportline with a bunch of options added.

        MSRP : 47,345
        Sale Price: 43,778 (after negotiating he seemed unwilling to go below this, said it was already 500-600 below invoice).
        Money Factor: .0013 (exactly the rate on your website)
        Residual Value: 63% ($29,827)
        Acquisition/Bank Fee: $785
        Dealer Doc Fee: $150
        Other Fees (such as DMV, tag etc.) estimate $300
        Is there a disposition fee? $350 if you don’t release/purchase another BMW
        Is Gap coverage included? Yes
        Taxes: figured by your registered address and zip code (I believe 9.8%)
        Lease term: 36 months = $708 down/506 @ month + tax and license
        Mileage: 10000 miles

        I entered these numbers and 300+785+150=1235 as the fee (should I enter 0 fees rolled in instead?) and got a rating of 88 or so on the deal. Still doubtful whether I should enter the amount 1235 in fees rolled in (because it changes the monthly payment quite a bit) Is this good / bad / awesome? Would like your thoughts.

        Also do you think I should wait for March or just go for the car immediately cos this dealer his ability to give me this discount may change after tomorrow?

        Thanks again for replying and for this wonderful website. 🙂 If it wasn’t for you I’d have gone in blind and been scalped for my first car.

        • Gaurav, glad you went somewhere else. This new quote looks much better. If you like the car a lot, I wouldn’t lose much sleep over it. This new dealer seems more straight-forward and the fees look in line with what I expected. The bank acquisition on the BMWUSA website says $725, but that’s about a $60 difference so it’s up to you if you want to bring it up. The way you calculated the payment is fine. I got a 88.6 rating which isn’t that bad, my calculator does penalize leases with lower mileage allowances so it’s truly a “preference” thing.

          There will likely be better deals going down at one point or another during the year, but you might have to wait a while…even then, you are probably going to wonder if this is the best deal you can get. My recommendation, if you really want the car, just get it and enjoy it.

          • Thanks a lot. In addition to this, they were willing to (if I qualify) use the Grad Program discount to additionally reduce my first month’s payment by a $1000 or take 20-30 approx off the monthly payments using the $1000 rebate for the recent graduate program.

            They also took the acquisition fee down to 725 when I merely mentioned what it was online, so there goes the $60.

            I calculated mileage and I walk to the office in Redmond (I live 10 minutes away by walk) so I’d barely use 5000 a month unless I did a 100 miles on weekends each month. 🙂 I agree it’s upto personal preference but for now I won’t be doing long roadtrips every weekend, just the odd one every 2 months or so.

            I liked the car a lot and felt happy that I’d been able to negotiate it down this far atleast, which is pretty close to invoice price and 600 under if you count the lease cash. No one else was willing to come this close unless I went to BMW Salem in Oregon haha.

            I’m getting the car provided they lock in today’s rates and my credit stuff goes through. Only concern is that though I have a good score above 700, my credit history in the US isn’t too long and I made payments for on campus accommodation (the lease ends up under the university instead of in my name 🙁 ). Again, fingers crossed.. .hopefully my first car ends up being the BMW I’ve always wanted!

            Thanks again G.

          • You’ll be fine. If you have a job, just have them write you a letter of employment. I leased my first BMW straight out of college and that’s all I needed. The grad money should help alot! send my some pics after you get the car! Would love to see it!

          • Most definitely will. Have it on order. The red leather seats made sure it’s a custom order haha, so it will probably get to me in 2-3 months from now.

            Do you have an email address or something I can send you the photos to? Or I could just post it on your RidewithG facebook wall if that’s alright too. 🙂

            Thanks again. The first dealer kinda came around and offered me the same deal just now after I signed the other one but I’m too far on and he doesn’t deserve my business (his dealership’s reviews are kinda bad too) after he tried to lead me on even this morning saying that the other guy wouldn’t give me the lease factor or whatever.

          • Yeah you can email the pics to thewall(at)ridewithg.com or post them on Facebook. Either way works!

            I totally understand what you mean about the “other” guy calling afterwards. Happens to me all the time. Too little too late if you ask me.

          • I see what you mean about the mileage and the calculator haha. I tried putting in 15000 for the same deal and that would have been a 95, but that’s alright, 10000 is way more than I need for now.

  26. When exactly do these programs expire ? And if already expired, can you provide the residual and MF for a 550i on 36 months. Thanks.

  27. I have a expiring BMW lease and I’m thinking about getting into a Mini Cooper lease. I been getting conflicting infos from mini dealerships telling me it applies to mini and some telling it doesn’t. Does anyone know the truth??!!

Leave a Reply