Deal Check: 2026 BMW iX drive60

Ask the Hackrs
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Hello all- new to the forum and would request advice on the current lease deal I’m receiving. Details are below:

2026 BMW iX xdrive60
build details below:
DesignM Sport

ColorFrozen Deep Grey Metallic

Wheels22" M Aero Black 1027M Wheels with All Season Tires

UpholsteryM Sport Black SensaTec with Atlas Grey Microfiber

TrimM Dark Silver

PackagesClimate Comfort Package • M Sport Professional Package • Executive Package • Driving Assistance Professional Package

OptionsFront ventilated seats • Radiant Heating Package • Glass & Wood Controls • Head-up Display and Video Augmented Reality for Navigation • Illuminated Kidney Grille • Interior Camera • Soft-close automatic doors • Active Driving Assistant Pro • Highway Assistant • Lane Change Assistant • Parking Assistant Professional • Partial Automated Driving • 4-zone automatic climate control • M Multi-Functional Seats • M Shadowline Lights • M steering wheel • Panoramic Eclipsing Roof

The dealership has this vehicle currently in transit and would be ready to take possession first week of May.

Term: 36 mos
Mileage: 12K
MSRP: $107,525
Initial cap cost: 102,000
Cash cap reduction: $721.86
Rebate: $7500
Adj. cap cost: $94,703.14
Residual: 52% = $55,913
MF: .00185
Payment: $1356.14
Upfront doc/lic fee: $422
Amount due at start: $10,000
Customer cash down: $2,500
Disposition fee: $495
Acquisition fee: $925
Sales tax rate: 8% (Ohio)
Cap reduction tax: 0%
Use tax: 0%

I feel like MF is still somewhat high for my credit score (850), but I’m not sure if BMW financial sets this MF at this base level for this particular vehicle? The Ratefindr calculator prompts .00145 as the MF when I work the numbers for this vehicle, so I don’t know if that is the current base MF by BMW? The residual seems like it is a bit off here as well, but again, I don’t know enough to know if that residual is set month to month by BMW?

I’m trying to make sure I’m taking advantage of the base MF rate, all available incentives and maximizing the dealer discount off MSRP. This is the build I would like to go with regardless if it’s with this dealership or another.

We currently have a 2020 Volvo XC90 T6 Inscription w 13K+ positive equity (after payoff) due to the low mileage and excellent condition of vehicle. Carmax offering 35,600 currently for this vehicle and dealer is only willing to go to $31K. I’m not sure how much of this I would be putting down toward the lease (if any). I’d really prefer not to, but Id like to keep my lease payment as close to $1000-1100/mo as possible before any additional equity would potentially come into play. Let me know if this seems unrealistic, as right now, it’s considerably higher.

I’ve leased several times prior, but I’ve been learning a great deal here and certainly still have a lot more to learn. Any insight or advice here is much appreciated.

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This is not a great deal, you’ll want more discount and/or base money factor.

I can blow this out of the water, and have a bunch of these available/coming in soon.

Feel free to email scott@insightautoconsulting.com or text me at 516-416-5481.

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So you sell the Volvo to Car Max for $35,600. Was this an in-person offer or via on-line estimate?

Then you talk to Scott and get an even better deal on the new BMW. Win-win!

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Probably should wait a bit, these are new, unless you need a vehicle desperately.
And I will strongly recommend you find one with air suspensio(or are they come as standard for 26’?)

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Spoke with Scott. He’s been fantastic so far. Should have things ironed out by tomorrow. Thank you for your input. Much appreciated.

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IDK the last time cmax was the highest bidder. Get more bids.

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I’ve gone through some of these links (not all yet - still working) to test out value and Car Max is still ahead. Carvana was at $34K ($32600 a couple of weeks ago) and Car Max is at $35,600. Others are coming in around $30-31K.

One other question I had that I’ll follow up with Scott on as well – are there any current BMW incentives for Costco, Amex, Sam’s Club, etc.? We own a Volvo right now (not a current lease), so I don’t know if that would qualify for any conquest cash? Just want to be sure I’m not missing out on any available incentives/offers.

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No.

There is no conquest on the 2026 iX at the moment.

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How about on the 2025 iX which is the same car with very minor changes?

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It’s a very logical suggestion and appreciated. I like 2026 and I’m comfortable w the lease terms Scott has brokered, so I’m more than likely going in this direction. If Im still enjoying this vehicle by lease end, the next move may be prior year M-series. Time will tell. Thank you for your input here.

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And if you cross shop 2025s, keep in mind that BMW shuffled the whole iX lineup where this car slots between 2025 x50 and m60.

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Huh? It’s a pretty significant refresh with new seating and drivetrain options.

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New seating…only if you opt for the M Sport pkg. important to keep in mind.

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Improvements are always nice. And the new 45 trim could have lower payments if the programs remain strong. However, for the other trims: How much it’s worth to pay over a 2025 is very much in the eye of the beholder.

Acceleration and range difference: I’m not going to notice. YMMV. But rebadging the 50 trim to 60 and 60 trim to 70 is a joke. Seats: YMMV.

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