# Help with BMW M3 lease numbers **URL:** \ **Category:** Ask the Hackrs\ **Tags:** sedan, bmw, usa-nationwide\ **Created:** [June 11, 2022, 8:40am UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483 "2022-06-11T08:40:37Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![HersheySweet](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/hersheysweet/32/201247_2.png) [@HersheySweet](https://forum.leasehackr.com/u/HersheySweet)\ **Post date:** [June 11, 2022, 4:57pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/21 "2022-06-11T16:57:10Z")
Wait I just realized, recent grad discount??? Oh lord, do not buy an M for a first car, I am dumb - and it was very dumb, and people should not do as I do šŸ˜­šŸ¤£ Donā€™t ask what my insurance is - my Erie agent is a godsend. ---
**Author:** ![alphawave7](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/alphawave7/32/115615_2.png) [@alphawave7](https://forum.leasehackr.com/u/alphawave7)\ **Post date:** [June 11, 2022, 4:57pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/22 "2022-06-11T16:57:17Z")
I donā€™t recall even knowing what insurance was when I was 22ā€¦sure we had USAA, but I was just trying to keep the 79 Old Cutlass running. ---
**Author:** ![Batistuta](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/batistuta/32/70364_2.png) [@Batistuta](https://forum.leasehackr.com/u/Batistuta)\ **Post date:** [June 11, 2022, 4:57pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/23 "2022-06-11T16:57:43Z")
He might be finishing his 5th degree to become a heart surgeon and make 7 digits šŸ™‚ ---
**Author:** ![anon65069371](https://leasehackr.b-cdn.net/letter_avatar/anon65069371/32/5_5575768a8748004e209b776fc1b2916d.png) [@anon65069371](https://forum.leasehackr.com/u/anon65069371)\ **Post date:** [June 11, 2022, 4:58pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/24 "2022-06-11T16:58:40Z")
itll be on swap a lease later asking 14k down ---
**Author:** ![gohawks23](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gohawks23/32/191452_2.png) [@gohawks23](https://forum.leasehackr.com/u/gohawks23)\ **Post date:** [June 11, 2022, 5:01pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/25 "2022-06-11T17:01:49Z")
Well, at barely 22 I was on my own in SoCal paying my own rent, car, insurance and had about $20 a month left overā€¦haha ---
**Author:** ![alphawave7](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/alphawave7/32/115615_2.png) [@alphawave7](https://forum.leasehackr.com/u/alphawave7)\ **Post date:** [June 11, 2022, 5:05pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/26 "2022-06-11T17:05:03Z")
Beat you by a few years (left home at 16, but went to college/work at 17) in NorCal, where I learned the fine art of dumpster diving in collegeā€¦the pizza boxes had ā€˜sliceā€™ picture coupons, collect 10 for a free pizza. Took about an hour of diving for a pizza. ---
**Author:** ![jefferim](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jefferim/32/115371_2.png) [@jefferim](https://forum.leasehackr.com/u/jefferim)\ **Post date:** [June 11, 2022, 5:07pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/27 "2022-06-11T17:07:40Z")
Haha funny new grad commentsā€¦ Iā€™m getting a doctorate in healthcare which counts. You gotta cash in on these opportunities whenever you can! I also get ā€œstudentā€ pricing on my ski pass and movie tickets. No shame! šŸ™‚ I do happen to have an MBA as well, so Iā€™ll try not to take offense to the finance ribbing šŸ˜‚ . I hear what youā€™re saying about buy vs lease and as Iā€™m sure you know, not every financing decision is a straight black and white math problem. There are other personal factors that tie into these decisions, and right now Iā€™m happy to put down a large down payment to get a more comfortable monthly payment. I need to learn more about the MSDs though since those may be helpful for me. Yes, my daughter is in college (undergrad) and I just leased her a Mazda CX-5 with some helpful advice from this forum. She worked to buy her first car and we sold that VW Tiguan for a profit and rolled it into a lease down payment. That was another interesting discussion about buy used vs lease for a college kid and Iā€™m sure now that I made the right call by leasing. Itā€™s building up her credit in her name since she is doing $50/month payments and sheā€™ll have the option to buy it out at $18,500 one year after she graduates and has a grown up job so itā€™s a good situation. But I digressā€¦ someone nailed who this particular dealership is down in Florida and itā€™s pretty clear at this point that they were trying to cash in. M3s are taking a long time to build, and used ones are going for the MSRP of new ones! They had a new and desirable M3 in stock so they are trying to squeeze every dollar out of it in hopes that someone isnā€™t willing to wait for a build. Iā€™m getting some local Colorado quotes for a custom build that is nicer than the car on the lot in Florida. So far this is the only quote Iā€™ve received which still seems about $100 too high on the monthly payment. ![Screenshot_20220611-092411](https://leasehackr-assets.b-cdn.net/original/3X/b/d/bdb84c511e5928eea5d3c08a72d3c67fe586a5d8.jpeg) ---
**Author:** ![jefferim](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jefferim/32/115371_2.png) [@jefferim](https://forum.leasehackr.com/u/jefferim)\ **Post date:** [June 11, 2022, 5:13pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/28 "2022-06-11T17:13:38Z")
> [@RobC2](#): > > Is this a custom order or a lot car? Orders will be 2023s at this point and the price has increased. The example I gave on the first car was an actual lot car in Florida with 2022 pricing. They had jacked it up. When Iā€™m getting estimates on a build, they are using 2022 pricing but it would definitely arrive as a 2023 so I have to plan that the price will go up.. Perhaps $3,000 to be safe? Iā€™m not sure if anyone else has insight into what to expect on the price increase for 2023. ---
**Author:** ![IAC](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/iac/32/149215_2.png) [@IAC](https://forum.leasehackr.com/u/IAC)\ **Post date:** [June 11, 2022, 5:17pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/29 "2022-06-11T17:17:29Z")
Ah, simpler timesā€¦. Dominos had a similar thing a couple years back where you could game free pizzas by taking pictures of pizzas. ---
**Author:** ![IAC](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/iac/32/149215_2.png) [@IAC](https://forum.leasehackr.com/u/IAC)\ **Post date:** [June 11, 2022, 5:19pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/30 "2022-06-11T17:19:56Z")
Ah good olā€™ downtown BMW. ---
**Author:** ![alphawave7](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/alphawave7/32/115615_2.png) [@alphawave7](https://forum.leasehackr.com/u/alphawave7)\ **Post date:** [June 11, 2022, 5:20pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/31 "2022-06-11T17:20:02Z")
> [@IAC](#): > > Ah, simpler timesā€¦. Yep, had to carry around a box knife to get those ā€˜couponā€™ slicesā€¦shudder to think what would happen today in a dorm, carrying around a box knife. ---
**Author:** ![j\_e\_f\_f](https://leasehackr.b-cdn.net/letter_avatar/j_e_f_f/32/5_5575768a8748004e209b776fc1b2916d.png) [@j\_e\_f\_f](https://forum.leasehackr.com/u/j_e_f_f)\ **Post date:** [June 11, 2022, 5:24pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/32 "2022-06-11T17:24:06Z")
> [@jefferim](#): > > I hear what youā€™re saying about buy vs lease and as Iā€™m sure you know, not every financing decision is a straight black and white math problem. There are other personal factors that tie into these decisions, and right now Iā€™m happy to put down a large down payment to get a more comfortable monthly payment. I need to learn more about the MSDs though since those may be helpful for me. Iā€™m genuinely curious as to what benefits this lease would give you over just buying it. Putting $15-$20k down is just insanity. At the very least just put that money in a savings account and draw from it every month when you make your payment. ---
**Author:** ![jefferim](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jefferim/32/115371_2.png) [@jefferim](https://forum.leasehackr.com/u/jefferim)\ **Post date:** [June 11, 2022, 5:29pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/33 "2022-06-11T17:29:53Z")
> [@IAC](#): > > Ah good olā€™ downtown BMW. @IAC You nailed itā€¦ so I asked some brokers about helping and was told that they canā€™t really help on a new M3 build and if I can get MSRP then go for it. Do you have any advice or ability to help on this one? ---
**Author:** ![Batistuta](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/batistuta/32/70364_2.png) [@Batistuta](https://forum.leasehackr.com/u/Batistuta)\ **Post date:** [June 11, 2022, 5:31pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/34 "2022-06-11T17:31:14Z")
Keep checking [cars.com](http://cars.com) and Autotrader daily. Call the dealers with ads with real car photos on the lot. There is a small chance but you might be able to get a non-customer ordered car like that. At least you are looking for a RWD, an AWD is close to impossible to find. ---
**Author:** ![gohawks23](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gohawks23/32/191452_2.png) [@gohawks23](https://forum.leasehackr.com/u/gohawks23)\ **Post date:** [June 11, 2022, 5:32pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/35 "2022-06-11T17:32:08Z")
> **[2023 M3/M4 Ordering Guides](https://g80.bimmerpost.com/forums/showthread.php?t=1926770)** > > 2023 M3/M4 Ordering Guides ---
**Author:** ![gohawks23](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gohawks23/32/191452_2.png) [@gohawks23](https://forum.leasehackr.com/u/gohawks23)\ **Post date:** [June 11, 2022, 5:35pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/36 "2022-06-11T17:35:16Z")
Only real benefit of a lease these days is removing risk of value tank after accident, etc. A high price to pay for that tho with crazy MFs and low residuals. ---
**Author:** ![TypeSH](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/typesh/32/58696_2.png) [@TypeSH](https://forum.leasehackr.com/u/TypeSH)\ **Post date:** [June 11, 2022, 5:35pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/37 "2022-06-11T17:35:24Z")
> [@jefferim](#): > > right now Iā€™m happy to put down a large down payment to get a more comfortable monthly payment No disrespect and I kind of get it, but I cringe whenever I hear people say this. I get that the money factor is quite rich, but all the more reason to finance, frankly. ---
**Author:** ![IAC](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/iac/32/149215_2.png) [@IAC](https://forum.leasehackr.com/u/IAC)\ **Post date:** [June 11, 2022, 5:35pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/38 "2022-06-11T17:35:25Z")
Yeah straight list is the ticket now but even getting the allocation is a deal atm. ---
**Author:** ![gohawks23](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gohawks23/32/191452_2.png) [@gohawks23](https://forum.leasehackr.com/u/gohawks23)\ **Post date:** [June 11, 2022, 5:37pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/39 "2022-06-11T17:37:03Z")
You will have to search whole country to get MSRP and then the wait for allocation/build will most likely be at least a year to get car in driveway. ---
**Author:** ![jefferim](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jefferim/32/115371_2.png) [@jefferim](https://forum.leasehackr.com/u/jefferim)\ **Post date:** [June 11, 2022, 5:37pm UTC](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483/40 "2022-06-11T17:37:52Z")
> [@j\_e\_f\_f](#): > > Iā€™m genuinely curious as to what benefits this lease would give you over just buying it. Putting $15-$20k down is just insanity. At the very least just put that money in a savings account and draw from it every month when you make your payment. I think your assumption here is that over the next 36 months that the $15,000 would make money in the market, which I would give 50/50 odds, but who knows. I could put it in a money market and get about 1% on it, and over the life of the lease I could earn maybe $175 on the investment. You are correct, it makes more sense to have a higher monthly payment but that isnā€™t my preference unless the dollars are more consequential. I think the buy vs lease is a bigger question for me. [Previous page](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483.md?page=1) [Next page](https://forum.leasehackr.com/t/help-with-bmw-m3-lease-numbers/421483.md?page=3)