2010 BMW Z4 Lease Rates – October 2009

logo_bmwMy Take: I’ve been busy with real life these past few days so I haven’t had much of a chance to address questions and post lease rates. For that, I apologize. I’ve had to skip down to San Diego these two of the past three weekends to take care of family matters, so it’s been physically and mentally draining having to drive up and down after working 40+ hours weeks (and this excludes blogging mind you). Nevertheless, I got some more lease rates for you all so stayed tuned! The Z4 is looking unchanged from September as well, so MSDs are highly recommend if this is a MUST have for you.

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2010 BMW Z4

2010 BMW Z4 sDrive30i
24-month | 15k miles | residual 65% | .00230 base money factor
36-month | 15k miles | residual 58% | .00230 base money factor
48-month | 15k miles | residual 35% | .00255 base money factor
60-month | 15k miles | residual 28% | .00255 base money factor

2010 BMW Z4 sDrive35i
24-month | 15k miles | residual 65% | .00230 base money factor
36-month | 15k miles | residual 58% | .00230 base money factor
48-month | 15k miles | residual 33% | .00255 base money factor
60-month | 15k miles | residual 26% | .00255 base money factor

2010 BMW Z4 Lease Rates – September

logo_bmwMy Take: BMWFS is still running the same lease offer from last month for the 2009 Z4s, so you may want to look into that before you consider the 2010 models. My guess is that the 2009 lease rates from August more or less reflect those for September (since the deals haven’t really changed). Stay away from the 2010 models for now, they aren’t terrible (due to the high residual), but the MF needs a some work.

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2010 BMW Z4

2010 BMW Z4 sDrive30i
24-month | 15k miles | residual 65% | .00230 base money factor
36-month | 15k miles | residual 58% | .00230 base money factor
48-month | 15k miles | residual 35% | .00255 base money factor
60-month | 15k miles | residual 28% | .00255 base money factor

2010 BMW Z4 sDrive35i
24-month | 15k miles | residual 65% | .00230 base money factor
36-month | 15k miles | residual 58% | .00230 base money factor
48-month | 15k miles | residual 33% | .00255 base money factor
60-month | 15k miles | residual 26% | .00255 base money factor

09 BMW Z4, 6-Series, 7-Series Lease Rates – August 2009

logo_bmwMy Take: Rounding off the BMW lease rates, the Z4, 6-series and 7-series all have pretty decent leases rates in my opinion. Nothing that would want me to add them to the list, though. These cars have high enough residuals (except for the 7-series, which has low money factors) that putting down some MSDs should help lower the over monthly payment on the lease. If you don’t know what MSDs are, please raise your hand. Now here’s an email I got from Jake some weeks ago explaining why MSDs are a good thing:

“Hi G
I just to let you know I turned on my brother to your site. He was going to put $3k plus fees down to help with cap cost (lower) payment, but after seeing your site he put 8 MSDs to buy down the money factor. Fast forward 3 months, his X5 is gone (crash); he’s fine; INS. Gap, etc. takes care of it all. He saved a few grand just by reading your site. From the whole “M” famly THANKS for the info.”

There you have it folks, go with MSDs if the money factor is too high. Surprisingly enough, most people opt for cap reduction, which is just plain silly. So before you decide to put money down, ask your dealer if the bank allows you to buy down the money factor. You just might be glad you did.

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2009 BMW Z4

2009 BMW Z4 sDrive30i
24-month | 15k miles | residual 63% | .00125 base money factor
36-month | 15k miles | residual 56% | .00125 base money factor
48-month | 15k miles | residual 36% | .00265 base money factor
60-month | 15k miles | residual 30% | .00265 base money factor

2009 BMW Z4 sDrive35i
24-month | 15k miles | residual 63% | .00145 base money factor
36-month | 15k miles | residual 56% | .00145 base money factor
48-month | 15k miles | residual 34% | .00265 base money factor
60-month | 15k miles | residual 28% | .00265 base money factor

2009 BMW 6-Series

2010 BMW 650i Coupe
24-month | 15k miles | residual 58% | .00200 base money factor
36-month | 15k miles | residual 54% | .00200 base money factor
48-month | 15k miles | residual 32% | .00265 base money factor
60-month | 15k miles | residual 26% | .00265 base money factor

2010 BMW 650i Convertible
24-month | 15k miles | residual 62% | .00200 base money factor
36-month | 15k miles | residual 57% | .00200 base money factor
48-month | 15k miles | residual 33% | .00265 base money factor
60-month | 15k miles | residual 27% | .00265 base money factor

2010 BMW M6 Coupe
24-month | 15k miles | residual 62% | .00200 base money factor
36-month | 15k miles | residual 57% | .00200 base money factor
48-month | 15k miles | residual 33% | .00265 base money factor
60-month | 15k miles | residual 26% | .00265 base money factor

2010 BMW M6 Convertible
24-month | 15k miles | residual 62% | .00200 base money factor
36-month | 15k miles | residual 57% | .00200 base money factor
48-month | 15k miles | residual 35% | .00265 base money factor
60-month | 15k miles | residual 28% | .00265 base money factor

2009 BMW 7-series

2009 BMW 750i
24-month | 15k miles | residual 49% | .00090 base money factor
36-month | 15k miles | residual 44% | .00090 base money factor
48-month | 15k miles | residual 33% | .00265 base money factor
60-month | 15k miles | residual 27% | .00265 base money factor

2009 BMW 750Li
24-month | 15k miles | residual 50% | .00090 base money factor
36-month | 15k miles | residual 45% | .00090 base money factor
48-month | 15k miles | residual 33% | .00265 base money factor
60-month | 15k miles | residual 28% | .00265 base money factor

09 BMW Z4 Lease Rates – July 2009

logo_bmwMy Take: I apologize to everyone for not keeping up with the posts and getting to the questions yesterday. I’m having huge issues with the web host right now. The site just crawls. I took me about 10 minutes to post the MB GL rates. I don’t mean writing it, I mean I waited nearly 10 minutes after clicking SUBMIT then it gave me an error. I really pissed because I paid 1 year in advance, but oh well, I’m not about to pay a second year at this point. Anyway, enough of my rant! The Z4 is doing fairly well this month in terms of leasing. The residual value, like most BMWs, is strong. While the money factor sits at around 3% APR and 3.48%. The lease interest rate is lower than the promotional purchase finance rate (3.9%), so it is safe to keep this car in the “potential leases” checklist if you are looking a roadster this summer.

Check out the new LIST for the recommended leases of the month.

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2009 BMW Z4

2009 BMW Z4 sDrive30i
24-month | 15k miles | residual 63% | .00125 base money factor
36-month | 15k miles | residual 56% | .00125 base money factor
48-month | 15k miles | residual 36% | .00265 base money factor
60-month | 15k miles | residual 30% | .00265 base money factor

2009 BMW Z4 sDrive35i
24-month | 15k miles | residual 63% | .00145 base money factor
36-month | 15k miles | residual 56% | .00145 base money factor
48-month | 15k miles | residual 34% | .00265 base money factor
60-month | 15k miles | residual 28% | .00265 base money factor

09 BMW Z4 Lease Rates – June 2009

logo_bmwMy Take: The 09 Z4 is a bad idea this month. The residual is not all that high for a BMW and the money factor is a bit too high to make it an idea lease. In contrast, I would go with the SLK is a good one to probably a solid lease-to-buy this month.

22009 BMW Z4
2009 BMW Z4 sDrive30i
24-month | 15k miles | residual 59% | .00260 base money factor
36-month | 15k miles | residual 52% | .00260 base money factor

2009 BMW Z4 sDrive35i
24-month | 15k miles | residual 59% | .00260 base money factor
36-month | 15k miles | residual 52% | .00260 base money factor

09 BMW Z4 Lease Rates – May 2009

logo_bmwMy Take: I spend the weekend visiting Dave Persaud over at Long Beach BMW. VERY nice guy. This is the first time I met him, so I was plesantly surprised how “no BS” this guy is. Anyway, remember that when contacting/visiting dealears, you should do your homework first. You need to know what you want, you need to know your SALE price and have precalculated your payments so you know what to expect. Don’t show up there without knowing anything, that would defeat the purpose having me write/post all of the stuff on Leasing 101. My job is to educate you and then point you to good people that deserve your business. Moving on, I got a chance to check out the new Z4 and it is are very good looking roaster. I like the more aggressive styling and the available hardtop. Very cool. Anyway, Dave says the cars are not for sale just yet, but should be in the coming weeks. Here are the numbers in case you are ready to get one. MF is a bit high so MSD might be in order. I would recommend not leasing this car right now.

2009 BMW Z4

2009 BMW Z4 sDrive30i
24-month | 15k miles | residual 59% | .00260 base money factor
36-month | 15k miles | residual 52% | .00260 base money factor
48-month | 15k miles | residual 36% | .00260 base money factor
60-month | 15k miles | residual 30% | .00260 base money factor

2009 BMW Z4 sDrive35i
24-month | 15k miles | residual 59% | .00260 base money factor
36-month | 15k miles | residual 52% | .00260 base money factor
48-month | 15k miles | residual 34% | .00260 base money factor
60-month | 15k miles | residual 28% | .00260 base money factor

September 2008 Lease Rates for 08 BMW X5, Z4, 7-Series, 6-Series & X6

My Take: I started to notice a trend here with BMW leases this month. The massive drop in residual has made 24mo leases a really bad deal. On the flip-side, 36mo residuals remained the same and are rewarded with a new lower MF, making these leases CHEAPER than last month. VERY good time to jump into a X5 if that’s what you are looking to lease. I know that with gas prices at these levels, these SUVs aren’t exactly flying off the shelves. Nevertheless, some families do need the space, so now is not a bad the time. Better to lease one of these than to own them if you ask me.

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  • X5 3.0si + Sport + Tech + Premium Packages
  • MSRP $56,175
  • Invoice $51,655
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2008 BMW X5 3.0si 4WD SUV
24 Month – Residual 58% of MSRP – .00160 Base Rate
36 Month – Residual 53% of MSRP – .00160 Base Rate

24mo Payment: $929 at invoice, $1125 at MSRP
36mo Payment: $738 at invoice, $870 at MSRP
<–Cheaper than last month*

Last month’s payments on the same exact car:

24mo Payment: $851 at invoice, $1049 at MSRP
36mo Payment: $770 at invoice, $905 at MSRP

  • X5 4.8i + Sport + Tech + Premium Packages
  • MSRP $63,775
  • Invoice $58,655
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2008 BMW X5 4.8i 4WD SUV
24 Month – Residual 61% of MSRP – .00135 Base Rate
36 Month – Residual 55% of MSRP – .00135 Base Rate

24mo Payment: $955 at invoice, $1175 at MSRP
36mo Payment: $781 at invoice, $930 at MSRP

Last month’s payments on the same exact car:

24mo Payment: $892 at invoice, $1114 at MSRP
36mo Payment: $819 at invoice, $970 at MSRP

If you haven’t noticed, this month you can get a 4.8i at 36 months for about $11 more than leasing a 3.0si last month. For those who waited, I say WOO HOO! I would most definitely pony up $11 more a month to be in a 4.8i than on the 3.0si. That’s $11 more a month to drive in a car that’s has over $7000 more in upgrades. NICE! That’s $396 more over 3 yrs for those who like numbers.

Rest of the BMW line up:
I didn’t notice anything exceptional. I mean most people aren’t shopping for 7-series since the payments are more than some people’s mortgage.  Don’t worry, I will still assist with payment calculations, just leave me comment or send me an email.

2008 BMW X6 xDrive35i Wagon
24 Month – Residual 56% of MSRP – .00270 Base Rate
36 Month – Residual 49% of MSRP – .00270 Base Rate

2008 BMW X6 xDrive50i Wagon
24 Month – Residual 51% of MSRP – .00270 Base Rate
36 Month – Residual 44% of MSRP – .00270 Base Rate

2008 BMW 650Ci Coupe
24 Month – Residual 63% of MSRP – .00200 Base Rate
36 Month – Residual 55% of MSRP – .00200 Base Rate

2008 BMW 650CiC Convertible
24 Month – Residual 65% of MSRP – .00200 Base Rate
36 Month – Residual 57% of MSRP – .00200 Base Rate

2008 BMW M6 Coupe
24 Month – Residual 67% of MSRP – .00170 Base Rate
36 Month – Residual 57% of MSRP – .00170 Base Rate

2008 BMW M6 Convertible
24 Month – Residual 67% of MSRP – .00170 Base Rate
36 Month – Residual 57% of MSRP – .00170 Base Rate

2008 BMW 750i Sedan
24 Month – Residual 57% of MSRP – .00125 Base Rate
36 Month – Residual 50% of MSRP – .00125 Base Rate

2008 BMW 750Li Sedan
24 Month – Residual 57% of MSRP – .00125 Base Rate
36 Month – Residual 50% of MSRP – .00125 Base Rate

2008 BMW 760Li Sedan
24 Month – Residual 45% of MSRP – .00125 Base Rate
36 Month – Residual 37% of MSRP – .00125 Base Rate

2008 BMW Alpina B7 Sedan
24 Month – Residual 47% of MSRP – .00125 Base Rate
36 Month – Residual 40% of MSRP – .00125 Base Rate

2008 BMW Z4 3.0si Coupe
24 Month – Residual 61% of MSRP – .00220 Base Rate
36 Month – Residual 51% of MSRP – .00220 Base Rate

2008 BMW Z4 3.0i Convertible
24 Month – Residual 68% of MSRP – .00230 Base Rate
36 Month – Residual 60% of MSRP – .00230 Base Rate

2008 BMW Z4 3.0si Convertible
24 Month – Residual 68% of MSRP – .00200 Base Rate
36 Month – Residual 60% of MSRP – .00200 Base Rate

2008 BMW Z4 M Coupe
24 Month – Residual 64% of MSRP – .00220 Base Rate
36 Month – Residual 56% of MSRP – .00220 Base Rate

2008 BMW Z4 M Convertible
24 Month – Residual 64% of MSRP – .00190 Base Rate
36 Month – Residual 56% of MSRP – .00190 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

August 2008 Lease Rate for 08 BMW Z4

My Take: August rates are identical to the July rates for the Z4, with the 3.0i & 3.0si convertible holding the best residual and only a slight bump on the MF. I’ll be taking the 3.0i to use as an example in this case.

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  • Z4 3.0i + Premium + Sport + Navi Packages
  • MSRP $44,825
  • Invoice $41,235
  • Standard inception fees + tax
  • Lease rate in BOLD

24mo Payment: $556 at invoice, $713 at MSRP
36mo Payment: $535 at invoice, $642 at MSRP

Edmund’s TMV suggests the sale price for the 3.0i convertible to be about $900 under invoice price. If that is the case, you will be looking at monthly payments of $509. Remember use TMV as a guide, is by no means the final word on how much the Z4 (or any other car) is selling for at the moment. BMW is promoting $379 a month payments on a $38,850 MSRP model, with $3279 due at signing, for 36mo/10k miles per year. Assuming those same conditions, but using the $44,825 MSRP model I picked out, I’m looking at $474 per month with about $1600-$2000 due at signing. Not too bad if you ask me. It is still a good $100 more per month.  Taking in consideration that my model has $6k worth of optional packages, (whereas the “BMW Special” is bone stock) I think the current promotion is a raw deal. Honestly, the best thing to do now is to take advantage of the 1.9% financing that is available for up to 60 months. That’s probably the “best deal” if you ask me.

2008 BMW Z4 3.0si Coupe
24 Month – Residual 61% of MSRP – .00190 Base Rate
36 Month – Residual 51% of MSRP – .00190 Base Rate

2008 BMW Z4 3.0i Convertible
24 Month – Residual 70% of MSRP – .00200 Base Rate
36 Month – Residual 60% of MSRP – .00200 Base Rate

2008 BMW Z4 3.0si Convertible
24 Month – Residual 70% of MSRP – .00200 Base Rate
36 Month – Residual 60% of MSRP – .00200 Base Rate

2008 BMW Z4 M Coupe
24 Month – Residual 66% of MSRP – .00190 Base Rate
36 Month – Residual 56% of MSRP – .00190 Base Rate

2008 BMW Z4 M Convertible
24 Month – Residual 66% of MSRP – .00190 Base Rate
36 Month – Residual 56% of MSRP – .00190 Base Rate

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* Residuals posted are for 15K miles/year. Add 2% to Residual for 12k mi/yr and 3%
for 10k mi/yr on all terms
** Rates provided by Tarry Shebesta from Leasecompare.com