First Post: Deal Check BMW I4 eDrive40 - nor.CA

Ask the Hackrs Buy/Finance
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1

Hi all,
I need HELP to check if this deal is ok.
I think I got screwed with money factor and lease protection.
(However, I can cancel lease protection within 30 days)
Would love to get your thoughts.

2025 BMW I4 eDrive40
Lease 36m / 12k miles
$5,000 DAS
Monthly: $480.84 (without lease protection)

  • MSRP: $62,395

  • Discount: $8,900

  • Rebate: $8,500

  • Non Tax fees: $ 1,625

  • Tax: $1037.23

  • Net Price: $47,657.23

  • Balance: $51,509.18

  • Residual: $32,445

I added lease protection which costs $1,900.
This updated my monthly to $542.25

2

No one gets screwed with the money factor. You agreed to a payment & DAS, and it makes absolutely no difference whether the MF embedded in that payment is arbitrarily labeled “buyrate” or something else.

As you said you can cancel the protection product immediately for a full refund.

3

Have you checked these numbers against what the BMW brokers on here are offering?

4

I didn’t know leasehackr prior to getting the car.
I felt ok about this deal until I started reading about leasing/MF/residual value/etc. in the forum. so Want to bounce off the deal to see if this was ok.
You are right, MF doesn’t change my payment & DAS.
Do I even care about the residual value they put on the contract?
I don’t plan to buy it out.

5

Doesn’t really matter since that’s set by the bank and is not negotiable.

6

Any thoughts on the deal?

7

What’s your zip code / tax rate? I’m putting together a calculator that will help answer that for you. Based on the MSRP and selling price alone so far, I’d say it’s a pretty great deal.

8

Looks like ~14% off with a 25 basis points marked. Looks like a solid deal.

Don’t know if you need the protection.
Update: 9.13% tax
MF buy rate: 0.0015
Your rate: 0.00175

With the protection, it technically adds to your sale price.

9

Zip code 95051
I think tax rate is 9.13%

10

Here’s the calc. More than 14% off and 40 pts on the rate. Pretty great deal. I’d cancel the lease protection though, $1900 is pretty steep for that on an i4.

11

This looks like a great deal to me, solid 14% discount on msrp. You got a 12k mi term, vs the marketplace mostly putting up numbers on 7.5k mile terms, so you’d have to do some extra math to get comparables if you want.

You can absolutely cancel the lease protection to save the $2k. Residual is not negotiable, and if you don’t buy the car afterwards, it doesn’t matter.