Deal Check: 2021 BMW M440i xDrive

Ask the Hackrs
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1

Year, Make, Model, and Trim : 2021 BMW M440i xDrive
Region : Oregon
MSRP : $69769
Selling price : $62792 (10% off Pre-incentive)
Trade-in value : 0
Incentives : $2000 lease cash/new grad
Sales Tax : $308.88
Doc fee : $115
Govt fees : $893.91
Acquisition fee: $925
Months: 36
Annual Mileage : 10k
MF: .00077 (base .00093 w/ 4 MSD)
RV : 57%
Monthly payment : $672.35
Drive-off amount: $2915.15 (1st months pmt + fees) + 2800 MSD

Not the best deal but figured I would post here for advice before I signed. Seems like M440i’s have been sitting for a while (production date for this vehicle is 11/2/20).

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2

10% off Msrp in todays market maybe as good as it gets. If you really want the car, I’d take the deal.

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Why 4 msds?

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4

Didn’t want to have over 3K held up in funds for 3 years since I could place the money somewhere with a greater ROI/easier access. Was considering putting no MSDs down too. Don’t know if it’s necessarily worth it to put max MSDs for this scenario

5

Personally, it seems like it’s either worth it to do msds or not. You save the same amount with deposit #1 as you do with #7.

6

It’s going to be difficult to beat this deal with minimal dealer fee and no broker fee (guessing it’s local and there is no shipping cost either). Just decide if you are comfortable with the monthly payment.

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Did you end up picking up the car?

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