BMW 2025 iX xDrive50 Lease Check

Ask the Hackrs Buy/Finance
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1

Here is the deal I have been offered so far on an iX 50 (in VA)

MSRP: $99,925
Incentives: $10,900
Pre-incentive Discount: 12%
Term: 36M/12K
Money Factor (MF): 0.00066
Residual: 52%
Tax/fees/first payment: $6,277.91
Cash at signing: $0
Monthly payment: $960

  1. Is this good deal?

  2. Are there any new/additional incentives after March 3?

  3. Does BMW FS still offer the MSD program? Is the reduction still 0.00006 per MSD, with a max of 7 MSDs?

  4. If the MSD details above are correct, I estimate the monthly payment could drop to $902 (with MF reduced to 0.00024), leading to savings of ~$2,088 over 36 months. That would equate to a 30-33% guaranteed return on $6,650 - $6,300 in security deposits.Does this math check out?

  5. can the dealer refuse to do MSDs?

2

Max security deposits are only three

1 Like
3

You can only do 3 MSD’s on the iX.

The ROI sounds right.

Yes, it’s a good deal, we could beat it, but only marginally, so if you actually LIKE this car, best to take the deal.

2 Likes
4

Terrible. Something doesn’t add up.
Definitely consider MSD.
MORE IMPORTANTLY: MF is marked up. You want 12% unmarked but if its marked up, you want atleast 14%.

Also, I am sure there are some add-ons here. This deal does not compute at all.

5

k, got it, Thanks.

6

k, thank you, appreciate.

7

Thank you @boozinix for the reply. $960 is true zero drive off lease. No add on - breakdown (attached). I am still negotiating with the dealers, but so far based on 4-5 dealers I reached out seems like 12% discount is the max.

BMW_iX_2025
BMW_iX_20251496×944 103 KB

8

You need 12% at base MF. Something that looks like this:

9

In VA the taxes are paid upfront, not on the monthly payment. Agree the MF needs to change, but not sure that is going to happen on a 2025 with 12% discount.

10

Marked up MF is costing you about $50 a month or $1800. That is about 2% of your discount.

11

Why are you capitalizing the first month?

12

Thanks everyone for all the valuable tips and guidance! I am happy to share that I have successfully closed the deal. Here are the details:
MSRP: $99,655
Discount: 12.25%
MF: 0.00008 (0.00026 - 3 MSDs)
36 months / 12k miles
Monthly payment: $855
Due at signing: $3,555 (includes $2,700 MSD + $855 first month)

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image960×1110 101 KB

2 Likes
13

Excellent. Thanks for sharing.

You should use the Calculator and Save it all to the Signed page to help others!

1 Like