Please help - Az BMW X3 12/36 mo

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This is a copy of the proposed deal. Can someone please tell me if this is decent. I’m trading a vehicle and adding 4K down. Payments are 400/mo thereafter

I should add it is a service loaner. 3,000 miles on it 2018 x3.

Push for a bigger discount, they are giving you 13.3% only off MSRP. You are better off going with 2019 model and pushing for 12% off MSRP if they won’t go any lower on the 2018 model

with your trade equity and cash you are paying $9000 initially, no way

Why are you trading and adding more cash to a lease?

Literally the benefit of lease is “here’s the keys” if it gets comprehensived or collisioned. Your insurance pays, then gap kicks in for the rest. With that much $$ down, if anything happens to the car, it’s just your loss.

hard pass…

Honestly belongs in here… 9000+ down for a loaner at 399/m? SMH

I’m just learning the in’s and outs of a lease! For us the bottom line is trying to keep a low payment of around 400 dollars a month. I hadn’t realized the risk of financial loss with the larger deposit. I figured i was just laying down the initial purchase of the lease. I’m learning I may actually be better buying a car. I just really like the newer x3.