MA
2025 BMW x7 40i
MSRP: $107k
Discount: $4100 + 2k loyalty/lease
Down Payment: 5k (includes fees + first payment)
36 months/12k miles
Monthly: $1745
Residual: 51%
MF: 0.0018 (per edmunds in this area)
Ideally I’d like to keep the monthly under $1650, but I’m wondering if this is really the best deal that I will get anywhere in MA.
What do you think?
Hi there! If you’re willing to ship for about $600 from the DC area, I can blow this out of the water. I can get you under $1,500 with $4,150 (fees + first + tax on incentives) at signing. I’ll save you nearly $10,000 over the life of the lease. 
How do you get an x7 4.0 up to $107k msrp?!
Ok but how do you benefit from that arrangement?
$62750 to rent an asset selling for ~100k / 106k OTD. Then start over again in 3 years and spend another 65 on the next lease?
That’s the complete opposite of lease hacking
Very easily. I just had a customer order one for $113,000.
This isn’t even with chargeable paint or a bunch of options:
https://www.bmwusa.com/build-your-own.html#/studio/ffeynezy/summary
I’d like to get this car and thought leasing would be cheaper than financing, since I most likely won’t want to keep this after 3 years.
You could also consider a balloon loan, the interest rate is slightly better rate than a lease, but you’d be responsible to buy it or sell it at the end of the ballon term.
That said, if you simply want to just have this for 3 years and give it back, a lease would be best.
I can get you well, well, under your target monthly and get the car delivered right to your home.
My dealer specializes in MA deals, a lot of out-of-state dealers won’t do them, but we both do them and know how to get it done efficiently.
That said, you also messaged me on Bimmerpost and I laid this all out there.
Feel free to email me your build at scott@insightautoconsulting.com or text me at 516-416-5481 and I’ll get you a quote @coolio!
Western MA area
2025 X7 XDr40i. looking for 39 month 12kmiles lease
As built MSRP $95,775
negotiated 5% of MSRP= $4788.75. Plus $2500 rebates for total savings $7288.75. MF 0.0081 (buy rate according to dealer). $1460 cash down
acq. fee $925
doc fee $995
monthly payment of $1363.29. do you think this is a good deal? I was looking for 8% MSRP plus the rebates but dealer won’t budge above 5%. do you think this makes sense versus going for purchase at the special 1.99%APR for 48 months being offered by BMW this month?
Isn’t it 1.99% at 60 months and 2.9%/72 months
You should take a look at the depreciation - X7’s depreciate rapidly - but a loan at 2% is free money
@Amoke I can beat this handily, feel free to email me your build, scott@insightautoconsulting.com
1.99 24-60 and 2.49 at 72 for states that qualify (MA does)
Residual is 48845 (51%)
@IAC_Scott , how much better you think you could do? I’ll definitely send you my build
Let’s do the math
Financing at 1.99 after 60 months you’ve made X in payments, paid off the car and own equity worth Y with a tax break on your next car worth Z.
In 60 months over successive leases you’ve made ~$82k in payments, you have negative equity and $0 tax break on the next car, and still owe $1365x12
Makes sense but humans aren’t logical
Average life of a car loan is 3 years - meaning people trade out
At-least another 3% off, but probably more, need to see where your build lands
You just need my build code right?
Yup, that’s all.
I’ll shoot you back a lease or finance quote, or both, whatever you need.
I don’t get it. A quick search on the forum would lead you to the marketplace which would show you that the deal you presented here is atrocious.
Brand new user, so I wouldn’t be so harsh in this case lol