# SIGNED: 2020 BMW X3 xDrive30i Loaner 36/10k - $51k MSRP - $433/mo+tax ($469) **URL:** \ **Category:** Signed Deals & Tips\ **Tags:** bmw, suv, ca-norcal\ **Created:** [November 26, 2020, 5:37am UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306 "2020-11-26T05:37:18Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![postal007](https://leasehackr.b-cdn.net/letter_avatar/postal007/32/5_5575768a8748004e209b776fc1b2916d.png) [@postal007](https://forum.leasehackr.com/u/postal007)\ **Post date:** [November 26, 2020, 5:37am UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/1 "2020-11-26T05:37:18Z")
Thanks to this forum, and special shout-out to @avocautos who helped with ideas and feedback (thanks so much HK!), got this deal. I felt it was decent for a higher MSRP X3 xDrive30i loaner in NorCal – I had grinded through most of the loaners in stock at the Bay Area dealerships – no one really wanted to offer anything more than 11-12% (and very often marked up the MF). I also fell in love with Dark Graphite with Mocha Vernasca Leather color combo. Given we have a toddler my wife and I decided flying down to SoCal to pick up a deal there was a non-starter due to potential COVID exposure. Didn’t quite match my [screaming first lease deal on a BMW 330i deal in 2017](https://forum.leasehackr.com/t/2017-bmw-330i-loaner-in-ca-281-mo-with-tax/26111), but I’ll take it. **Year, Make, Model, and Trim** : 2020 BMW X3 xDrive30i w/Convenience, Diving Assistance Package, Live Cockpit, and Mocha Vernasca Leather **MSRP** : $ 51,485 **Selling Price** : $44,646 **Monthly Payment** : $433+tax = $469 **Drive-Off Amount** : $2000 drive-offs + $3500 (MSDs) **Months** : 36 **Annual Mileage** : 10,000 **MF** : 0.00082 reduced by 7 MSDs = 0.00047 (buy rate) **RV** : 55% reduced by 3.3k mileage = 53.7% **Incentives** : $2500 ($1000 lease cash, $1000 loyalty, $500 OL code) **Region** : NorCal **Leasehackr Score** : 8.9 years **Leasehackr Calculator Link** : [Leasehackr Calculator - Hack your next lease | Leasehackr](http://leasehackr.com/calculator?make=BMW&miles=10000&msd=7&msrp=51485&sales_price=44646&months=36&mf=.00082&dp=156&dealer_fee=115&acq_fee=925&taxed_inc=2500&untaxed_inc=0&rebate=0&resP=55®_fee=23&sales_tax=8.5&demo_mileage=3379&memo=&acqFee_check=true&monthlyTax_radio=true) Originally, the sales associate gave me full $1000 discount on OL code from recent Feeding America test drive event, but somehow finance only wanted to give the $500 amount, so GM reduced the selling price $500 to honor their quote of $433+tax on my deal. **One tip** : I often felt giving a flat $2k down (knowing the drive-off on all these X3 loaners was close since no full reg fee and having ~$150 cap cost reduction) number worked the best to try to normalize most of the scores instead of asking for a straight drive-offs with no cap cost reduction number. Also, I dictated the terms – basically said I want X monthly payment with $2k driveoffs + $3.5k (7xMSDs) = $5.5k out the door was the best way to pit the dealers against each other. Eventually I go this deal by taking dealer 1 and pitting with dealer 2, then getting the best result and pitting that against dealer 3, and did so for about 4-5 dealers to get down to the target price I wanted (since most didn’t start anywhere close). EDIT: Added a few pics. ![IMG_4718](https://leasehackr-assets.b-cdn.net/original/3X/7/2/72862da946ffa0ddf22985434268dc16a33e0680.jpeg) ![IMG_4721](https://leasehackr-assets.b-cdn.net/original/3X/f/d/fd78ad5da306fbe390c872895be1df6d6c1bcbd7.jpeg) ![IMG_4722](https://leasehackr-assets.b-cdn.net/original/3X/a/1/a12844d8512f6d1dc235af4d97b1d0aaf738e39a.jpeg) ![IMG_4724](https://leasehackr-assets.b-cdn.net/original/3X/5/0/509474ee25cad51bc6d3f02aea5dadc8c32bfbe1.jpeg) ![IMG_4725](https://leasehackr-assets.b-cdn.net/original/3X/7/f/7f08172089c4ccaebb7c73706410f0004c6507c3.jpeg) ![IMG_4727](https://leasehackr-assets.b-cdn.net/original/3X/2/9/296a39317bceb0a23ef11eb6856b1de4ebe8f591.jpeg) ---
**Author:** ![nycsimone](https://leasehackr.b-cdn.net/letter_avatar/nycsimone/32/5_5575768a8748004e209b776fc1b2916d.png) [@nycsimone](https://forum.leasehackr.com/u/nycsimone)\ **Post date:** [November 26, 2020, 6:15am UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/2 "2020-11-26T06:15:21Z")
Isn’t lease cash $1,750 on an X3? ---
**Author:** ![Rocknedog7255](https://leasehackr.b-cdn.net/letter_avatar/rocknedog7255/32/5_5575768a8748004e209b776fc1b2916d.png) [@Rocknedog7255](https://forum.leasehackr.com/u/Rocknedog7255)\ **Post date:** [November 26, 2020, 2:03pm UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/3 "2020-11-26T14:03:53Z")
October lease cash was $1750 with Loyalty $750? ---
**Author:** ![postal007](https://leasehackr.b-cdn.net/letter_avatar/postal007/32/5_5575768a8748004e209b776fc1b2916d.png) [@postal007](https://forum.leasehackr.com/u/postal007)\ **Post date:** [November 26, 2020, 3:09pm UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/4 "2020-11-26T15:09:32Z")
Is that on the 2021 or 2020? I got the 2020 numbers from Edmunds for the sDrive, assumed xDrive was similar. Edmunds couldn’t seem to provide numbers for me for 2020 recently. ---
**Author:** ![Rocknedog7255](https://leasehackr.b-cdn.net/letter_avatar/rocknedog7255/32/5_5575768a8748004e209b776fc1b2916d.png) [@Rocknedog7255](https://forum.leasehackr.com/u/Rocknedog7255)\ **Post date:** [November 26, 2020, 4:58pm UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/5 "2020-11-26T16:58:39Z")
2021 X3 in October ---
**Author:** ![postal007](https://leasehackr.b-cdn.net/letter_avatar/postal007/32/5_5575768a8748004e209b776fc1b2916d.png) [@postal007](https://forum.leasehackr.com/u/postal007)\ **Post date:** [November 26, 2020, 6:16pm UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/6 "2020-11-26T18:16:05Z")
Yeah makes sense. This is a 2020, the numbers a different. Slightly more rebates on the '21s it seems! ---
**Author:** ![Rocknedog7255](https://leasehackr.b-cdn.net/letter_avatar/rocknedog7255/32/5_5575768a8748004e209b776fc1b2916d.png) [@Rocknedog7255](https://forum.leasehackr.com/u/Rocknedog7255)\ **Post date:** [November 26, 2020, 6:23pm UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/7 "2020-11-26T18:23:31Z")
If the rebates aren’t as good on the 2020, and the residual is obviously lower, got to get a huge discount to compensate. Shoot for 10% off, plus incentives with base money factor on a 2021. Brokers can get you 11-11.5% off. You would basically save about .5% after paying their broker fee. Good luck. ---
**Author:** ![postal007](https://leasehackr.b-cdn.net/letter_avatar/postal007/32/5_5575768a8748004e209b776fc1b2916d.png) [@postal007](https://forum.leasehackr.com/u/postal007)\ **Post date:** [November 26, 2020, 8:10pm UTC](https://forum.leasehackr.com/t/signed-2020-bmw-x3-xdrive30i-loaner-36-10k-51k-msrp-433-mo-tax-469/313306/8 "2020-11-26T20:10:24Z")
Good advice. This is a signed post so won’t help me but thx