2023 BMW M3 competition | Pre-Tax $1,620.94 | $1500 DAS | Dravit Gray / Silver Stone | Competition | Carbon Galore

Year, Make, Model, and Trim: 2023 M3 Competition
Location: RI / Northeast

MSRP: 100,995.00
Monthly payment (pre-tax): 1,620.94
Effective monthly payment (if incentive is provided):

Current mileage: 4,542
Maturity mileage: 30,000
Effective miles per month: 909
Maturity date: 1/2026

MSD due (if any): N/A
Cash due (if any): $1,500
Incentive for new lessee (if any): N/A

Financial institution: BMW Financial Services
Transfer fee: $500
Out-of-state transfer allowed (yes/no): Yes (Northeast)

Vehicle condition (accidents, tire wear, etc.), options, and other details:
5 year Ceramic Coat & 35% Tints All Around
MST Intake (OEM Parts Included)



Beautiful car! :slight_smile:

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Car looks beautiful, if you have any pics of Dravit in direct sunlight, you should post them, because it pops like CRAZY!


What is your current buyout?

Have you listed on SAL?

I had the same question and my guesstimate is:

56% RV on 36/10k leases done in Dec22/Jan23:


29 remaining payments:


Buyout ~103,566 + tax/reg/etc

Yikes. 8-9 months into the lease and your buyout is more than MSRP? I guess you rolled all the upfront costs into the payments?

Its not my car Im not the OP I was just my guesstimate bc I was also curious.

Btw this doesn’t necessarily mean OP rolled anything in. Lease programs on M cars have had very high MF for a while. Unless your paying cash for a car with todays rates, financing or lease to buyout will absolutely end significantly over msrp.


Program back then was .00185 MF (base) and 56% residual fwiw.

Even with a high MF, you cannot have a buyout greater than MSRP unless you roll other costs into the lease.

I’ll wait for OP to provide the actual answers. Thanks.

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Of course you can. Its called interest.

Edit - I stand corrected.

You don’t pay unearned interest when you buy out a BMW lease early.

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Current buyout is 95,836
Residual 56,557.20
MF is .00180

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I have not yet

Learned something new, thats pretty cool. Is this specific to BMW FS or do any other lessors do the same?

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I honestly can’t speak to that, I’m only confident in what BMW does, pretty sure they’re all like this.

For educational purposes, here is a what a payoff looks like 2 months into a BMW lease:

Screen Shot 2023-05-19 at 4.24.06 PM

The “Unearned Amount” is them deducting the rest of the interest.

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AFAIK no bank keeps unpaid interest, it would be like having to pay 30 years of mortgage interest even if you payoff after 5.


Is this still available?

no its long gone

Transferred as per OP.