DEAL CHECK; 2025 BMW x5 loaner

Ask the Hackrs
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1

BMW X5 xDrive40i 2025 loaner with 9k miles and almost 1 year of warranty already gone:
MSRP: $75,000
Current sale price: $61,000
Discount ~ 19% of MSRP

Dealership advertises the lease for this loaner with $63,000 sale price: calculator1 (MF manually to get the same value in “Pre-tax Monthly Payment” they offer now $741, Residual from advertisement match to Rate Findr with miles adjustment.)

Since the sale price dropped to $61,000 I adjusted the conditions myself using MF from the previous calculation and got this: calculator2. I would expect the dealership to adjust the lease to a new sale price.

I would appreciate it if you could share your thoughts on whether calculator2 is good or bad deal, and if it does make sense to push for any better conditions there, and if it does, should that be the selling price, MF or anything else.

2

Prob hard to say w/o full lease quote. They could do 19% upfront but jack up mf on back end.

3 Likes
3

Populate the LH Calculator and post the link here….thats going to be a sizable deduction to the RV with 9k miles on it.

I guess either go to Edmunds and get the RV / MF or become a super supporter here for the info as well in order to properly evaluate the deal.

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4

Even if they did that it would still be 17% off unless the numbers were total nonsense.

5

+ 9000 demo miles effectively reduces this discount by ~2.5%

6

This is the wrong way to do it. Utilize the tools and information here to put together a target deal then just make the dealer an offer.

You should never be asking the dealer for “lease conditions” or relying on them to tell you what the terms are.

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7

This is the first time I’ve tried to play this “game,” and I’ve read the article about creating a deal and making an offer. However, I was thinking of settling first on a sale price with the dealer and then either starting to talk about the lease conditions or making my offer. Or what you are saying I should combine it all together and make an offer for lease conditions and sale price all at once?

8

Yes, this. Anything else is just over complicating things.

The whole “agree on price first but don’t tell the dealer you’re leasing until the last minute” song and dance doesn’t work. It just needlessly complicates your negotiation and leaves lots of room for ambiguity and ways for the dealer to shift your deal from good to bad, even if you’ve already agreed on the “price”.

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9

Updated original post with calculator links.

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How are loaners different than demos or are they the same

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From what I read in this forum:

  • Loaner: Retired service car (often hard to sell units). Most of the time you will have reduced rebated, but it depends on the brand
  • Demo: Used by Exec - often fully loaded. Have rebate but not as much as loaner or new
12

Actually the terms “retired loaner” and “demo” are often used interchangeably. A demo can be a car used by management, a test drive vehicle, or a service loaner.

Rebates for loaners and demos are typically the same as for a new car. The difference is in the residual adjustment for mileage.

13

And, when they are not the same as they are for a new car, that different amount is still the same btw loaners and demos, correct (eg., you’ve not seen a situation where loaners for specific BMW model will get new-car rebates but a demo will not)?

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I can’t speak for other brands nor have the full knowledge for BMW. However this is from my car hunting journey last few months. Experts - please correct me if I am wrong.

  • There are EV rebate (7500, 9900,…) and BMW rebates (e.g loyalty, enhanced loyalty, college,…)
  • The EV rebate can be similar for new/loaner or reduced for loaner.
  • The EV rebate is not applied for demo (this is from PacificBMW)
  • BMW rebates apply similarly to loaner/demo/new of the same MY, except few special case like the enhanced loyalty if you own M-car/7-series; or the military is only for new car
15

I updated the original post and would appreciate feedback on whether it’s a good or bad deal.