Signed a new 2026 BMW i4 eDrive40 in Southern California

Ask the Hackrs
, ,
1

Signed a new 2026 BMW i4 eDrive40 in Southern California. How’d I do?

MSRP: $71,190
Selling Price: $62,775
Dealer Discount: $8,415 - 11.82% off MSRP
Rebates/Incentives: $5,250
Total Discount + Incentives: $13,665 - 19.20% off MSRP

Lease Terms

  • 36 months
  • 15,000 miles/year
  • Residual: 63%
  • Money Factor: .00001
  • Monthly Payment: $649.42 including tax
  • Due at Signing: $2,857.98
  • No MSD
2

That can’t be right. The RV for a 2026 i4 eDrive40 is 52% for 15k miles

This also can’t be right as the lowest MF allowed by BMW FS is 0.00005. If you didn’t do MSDs and this was signed in September, the base MF was 0.00035 (assuming no markup).

Is this with Loyalty + Military?

Assuming this was signed last month with the base MF and Orange County sales tax (7.75%), here’s the calc with the correct variables:

3

Could it have been an i5?

4

No, the 2026 i5 has an even lower RV (50% for 15k miles) and higher base MF (0.0006). And rebates would be different with Loyalty ($5750 total).

5

Ratefinder shows .00095 MF on non-xdrive this month. That makes the payment reasonable.

6

That’s correct yes. Assuming OP signed in September (likely, as I assumed in my response above), he got lucky.