I would be concerned if they’re reluctant to share details. We know a few things so far:
MSRP = 51,395
Loaner with 4,400 miles
Is $2000 the downpayment?
What we don’t know is what’s included in the $12,000
$4250 I believe lease cash on the 430xi gc
$2500 Loyalty if you qualify, not sure what they’re offering for conquest if you have a competing brand. Putting both together gives you $6750. If the discount is taking the incentives into account, then they’re only discounting the car by $5k which is less than 10%.
Don’t ask for a monthly payment price.
- Find out how much they’re selling the car for … BEFORE incentives
- Know which incentives you qualify for, lease cash ($4250), Loyalty ($2500), OL Code (Sometimes $1000 sometimes $500. Dealer puts in $500 and BMW puts in $500, if the dealer is already cut to the bone, they’ll only add the BMW side)
- Why wouldn’t you do MSDs? Plug everything into the calculator here, run it both ways, with the DAS and with the MSDs, see which is cheaper.
Theoretically, assuming you qualify for everything, you could do:
$51,935 - $9000 (if dealer is aggressive at a bit over 17% off that loaner) + $4250 + 2500 + 500 = $16,250
If $12,000 includes the incentives then it’s meh. If it doesn’t, then it’s a good deal, but don’t trust their math. Use the calculator here. The salespeople aren’t always great at calculating leases. Get your pre-incentive price, add the incentives. Play with the MSDs, breaking out the $925 acquisition fee etc. See what works best. Then, ask the finance department how to structure the deal. I had at least one dealer bump the MF thinking I wouldn’t notice. Getting the breakdown is important.