I’ve been in contact with several dealers over the past couple weeks and I think I’m finally closing in on a deal — just wanted to double check here before I sign.
Here are the details:
• 2025 BMW X5 M60i
• MSRP: $99,910
• Selling Price: $89,919 (~10% off including $2K rebate)
• Term: 39 months / 7,500 mi per year
• Residual: 53%
• Money Factor: 0.00200
• DAS: 1st month only
• Monthly Payment: $1,397 with tax (9.5% in CA) → ~$1,276 pre-tax
• Region: Southern California
Everything is rolled in — tax, fees, acquisition, etc. Dealer matched the national program residual and brought the discount up a bit after some back and forth.
This is for a new build that’s inbound. I asked for 52% residual based on the BMW ad, and they came back with 53% for 7.5k miles/year.
Appreciate any feedback from the community! Thanks in advance to anyone who weighs in.
Just FYI the RV is set by the bank. There’s no negotiating or asking for anything when it comes to the RV, the dealer can’t manipulate it.
That said, you’re at an 8% pre-incentive discount with base MF on an X5 M60i, that’s about as good as you’re going to get for a new build assuming there’s no garbage add-on’s.
As always with an ICE powered BMW you need to run the finance vs. lease math to see what makes the most sense.
May want to reconsider 39 months in CA because that’s a pretty hefty plate fee to pay for 3 months…that has to be $1000+ alone…or like 30/mo additional…compare calcs using a 36 month MF/RV.
Thank you so much for reminding me of this! I’m most likely going to keep the 39 mth and give it back at 36 mths (take on a new bmw lease) to avoid the registration expense.
Not how it works unless the manufacturer is offering an official pull ahead. It’s a high probability you’ll be on the hook for those three extra month. Yes a dealership might tell you they can get you into a new BMW at month 36 but those 3 payments are going somewhere.
