Deal Check 2019 BMW 330i xDrive M-Sport Loaner Car

Ask the Hackrs
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1

Just got this lease offer from a dealer on this BMW, is it a good deal or can I do better?

Year, Make, Model, and Trim: 2019 BMW 330i xDrive M-Sport
MSRP: $54895
Selling Price: $43895
Monthly Payment: $394
Drive-Off Amount: $394
Months: 36
Annual Mileage: 12k
MF: 0.00137
Residual: 58.51% (Loaner with 3775 miles)
Incentives: (500 lease cash, 2000 loyalty, 500 PenFed, 1000 ol)
Region: NY
Leasehackr Score: 12.5
Leasehackr Calculator Link: leasehackr.com/calculator?make=BMW&miles=12000&msd=0&msrp=54895&sales_price=43895&months=36&mf=.00137&dp=-1806&dealer_fee=75&acq_fee=925&taxed_inc=4000&untaxed_inc=0&rebate=0&resP=60&reg_fee=231&sales_tax=8.625&demo_mileage=3775&memo=&totalLeaseTax_radio=true

2

Deal looks good at 20%* pre incentives at buyrate MF. And they’re applying full OL on top?

*possibly more because they’re eating another 1800 to get your DAS to just first month. Is that what your negative down payment represents?

Only other things to consider that I can think of would be trying to match it in a neighboring state to apply MSD or doing a one-pay although I haven’t looked at the terms in a while

3

I rolled the drive offs into a negative down to make it a 1st month das

4

Rolling in anything would increase your net cap cost, which would increase your payment