You haven’t mentioned what your loan term and if you qualify for tier 1 credit, but if you do and your term is 60 months, then the buy rate is 1.9%. So a 1% markup on financing would further bring down your effective discount.
Loan term is 36 months. Interest rate 2.9% I only have to make 3 Payments to get $2500 discount. After i make 3 payment I will pay off the loan amount.
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Update got a 2021 X5 for 3500 down and 892 a month: here is the build:
https://www.bmwusa.com/build-your-own.html#/studio/eg7jq1km/options
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That could be a good deal or a terrible deal with just those two numbers
What’s your lease terms?
What’s the breakdown of your sales price, all of your incentives, dealer fees and is that with taxes and gov fees or without?
Find all that and plug them into the calc
Nice build btw- it’s a beautiful looking car!
numbers are 36mo / 10k mi a year and 3500 DAS including registration and fees