2025 BMW 540i Lease Deals

Ask the Hackrs
1

Hello! I am located in Southern California. I got the following lease offer from a local dealer for a 2025 BMW 540i:
MSRP 74,425
Total discount including $2,000 rebate: $7,400
Selling price: 67,025
MF .0018
Residual 57%
39 months
Monthly payment with nothing out of pocket $910 plus tax.
Is this a good deal? Is the discount decent?

2

why not just get the electric version and save yourself $300+ / month

3

I had 2 electric cars in a row and want to go back to the gas version :slight_smile:

1 Like
4

Lease hacking is all about timing and selection of hackable vehicles.

BMW’s gas cars haven’t generally been hackable in a long time.

You can deduce this yourself. The logical conclusion of a lease is that you return it and lease again. This deal puts you on a course to spend ~$65,000 over 72 months and never have equity. How much equity would you have after financing for 48 or 60 months?

3 Likes
5

Sorry but I am not following…

6

It’s almost as if not everyone wants an EV or something. Weird huh?
LH is so out of touch with the general public. 5% of non-fleet/govt cars sold in the US are EVs. On LH it’s the other way around.

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7

I’ve noticed a lot of Teslas at the Florida rest area charging stations each week. Electric vehicles are not great for those who travel.

8

General public doesn’t know or believe that LH deals can exist. There, fixed it for you.

2 Likes
9

Let me just pile on top of everything already said.. bad deal…

1 - less than 10% discount including rebate (no idea what 2025 540s go for but sounds awfully weak. Have you searched for any remaining 24s?

2 - have you driven an I5 M60? Blows 540 outta the water for far less. And, yes, plenty of deals on the remaining 24s.

3 - I recall seeing broker deals on 550e in the 9s when they first came out. Worth poking around, especially on the remaining 24s.

4 - 39 mos in CA on a $70K car means wasting 75% of registration in the last year (about 600 out of 800 at today’s rates). See if it still makes it better than 36.

5 - Talk to either your cousin Roman or @ZZAutoDeals for help.

10

Thank you! Let me address your points one by one

  1. I am getting exactly 10% off. It’s 7,400 off of 74,000 MSRP
  2. I don’t want an electric car, so i5 wouldn’t work for me.
  3. There is no remaining 2024. In fact, even a 2025 540i is difficult to find. Are you sure you’re not referring to 530i?
  4. Very good point on a 39 month lease and the registration… never thought of that… but a 36 month deal is a lot worse, like $100 a month. So that’s an extra $3,600 over the 3 years
1 Like
11

@max_g is suggesting that you think about buying instead of leasing something like this 2x (over the course of 72 months), seeing as it would cost ~$65k for 2 leases. This does seem more like a “buy”, given the current programs. At a quick glance, it looks like BMWFS is offering 2.99% financing on most 5 series as well, so something to consider.

12

Here is the way I look at buying vs leasing:

  1. First of all, when you buy you pay all sales tax upfront which is $5,200
  2. With the sales tax, the price of the car would be $72,220
  3. If I pay cash and say try to sell it 39 months down the road, I will be lucky to sell if for half the price or $36,000. If I do that, that means I paid $36,220 for the first 39 months of owning the car which translates into $930 per month which is pretty much the same as my lease deal except I don’t have the headache of trying to sell the car in 3 years.
    Does this make sense?
    Thanks
13

The trick is to go past the steepest part of the depreciation curve. And once you’re into the range where private buyers can buy it with cash.

Sell around the 4 or 4.5 year mark.

Otherwise you’re paying a massive premium to switch cars a year earlier.

14

True but my problem is I get tired/bored of cars too quickly :slight_smile: Even 3 years is a stretch for me :slight_smile:

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15

At about 1K/mo you’re awfully close to 740 or 840 territory, loaners have gone for less. Are you open to a loaner?

@BMW_Dave do you still have that loaded 540 loaner?

Some dealers still have leftover 24s. Some like Calabasas don’t advertise on Edmunds, etc. Check their sites but some also don’t remove sold cars fast enough. Plenty of 24 loaners though.

Not sure what your aversion to charging is after having 2 EVs… 550e is PHEV, not full BEV.

No, not confusing with 530 as there’s a glut of those in CA and loaners sometimes go for 20+% pre-incentive, not almost 10% post.

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16

Also, are you open to any other ICE cars?

17

I am not sure what ICE means. I am totally open to leasing a loaner car but I don’t know how to find one. What about that loaded 540 that you mentioned in this thread? How do I get a hold of it?

18

Internal
Combustion
Engine

ie not an EV

19

Oh, thank you. Yes, I am open to others like Audi A7 for example but that is even more expensive

21

Please post your best attempt at a calculator (incl separating out pre-incentive/rebate dealer discount).