(2025 BMW M340i) Has anyone been able to get close to $800 payment with little money down?

Ask the Hackrs
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1

Located in western North Carolina. Called a few places and the closest I’ve gotten is mid-$900s.

2

Simply not realistic on a new one unless it’s maybe totally base, with MSD’s, and you have loyalty.

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3

I remember when these were $450 S&D pre-covid

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4

I remember when my grocery bill was sub $150 on an average shopping trip.

Tbh I don’t remember $450/mo M340i’s, I thought they were around $600.

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5

F30?

IMG_5670

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6

Why would you even want to spend $800? I mean relative to the selling price of the car that’s a hideous lease

You need to realize very few gas cars are hackable rn

Either buy the unhackable car if that’s the only car you want to drive or pick something more hackable to lease.

7

That’s just a number that I have in my mind. Guess my expectations need adjustment. Out of curiosity, why would an 800$ lease be bad but an $800 finance payment be good? I would just finance the car after my lease is up.

8

If your plan is to ultimately own the car, just go with whatever has a lower interest rate.

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9

What mileage terms?

10

That usually ends up being a big overpayment once you calculate payments start to finish.

Finance on day one at BMW’s new car loan APR (1.99% last I checked)

Vs

All lease payments + the sum of payments of financing RV + TTL at a used car loan APR (typically 7-8%)

Shouldn’t be hard to check the math and calculate the difference between the two approaches

11

Here are the real numbers, in Jan 2025, for the M340i:

New car loan: 4.99 @ 60 months
New car lease: .0018 which is equal to 4.32%, which can be brought down to 3.31% with MSD’s.

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12

7500 miles per year

13

Brokers are offering 6% off MSRP. So not sure with that discount you can hit your target monthly.

14

Well beat that on a stock unit.

15

How well are 3 year old M340is holding their value relative to their residuals? Last thing OP wants to do is take a lease to term then find out vehicle is still underwater if he plans to buy it.

16

I’m interested.

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17

Sent you a DM!

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18

Thanks for the current APR.

Still important to compare all the cash flows A-to-Z until the car is paid off in both scenarios rather than just look at new car loan APR vs MF. Because financing the RV+TTL with a used car loan could make the entire expense higher even if you’re saving a bit on the front end.

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19

you would own the car…

20

I had a 2020 m340 that was $523/mo. I miss that car :frowning:

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