[CurlyFatAngry]

I'm really interested in trading in my 2011 E92 but at 4.9% lease it's just ridiculous when Audi and Merc have 1.9% and 2.9%

I'm just ranting about BMW financial service which is changing BMW into a bank rather than car maker.

[derekh929]

Originally Posted by CurlyFatAngry

I'm really interested in trading in my 2011 E92 but at 4.9% lease it's just ridiculous when Audi and Merc have 1.9% and 2.9%

I'm just ranting about BMW financial service which is changing BMW into a bank rather than car maker.

put your quotes on the table to them and if they want your business they will need to improve the deal, but new model means more popular equals higher rate i suspect

[jzcrna]

Sales are breaking records. They have absolutely no incentive to lower their rates. Im not saying they are not high, but they could probably care less as they are cashing in bigtime this year.

[Ron Scott]

The leasing game is tired. If you're running a small business and can do a tax thing to lease off cash flow I guess it makes sense. Otherwise it's a loser.

I hear your rant...but the solution is to wait until you can afford to buy (not borrow).

[MassBimmer]

What you have to realize is that the 4.9% is only applicable to BMW's newest models like the F30. Other models that have been around for a little while are at 2.9-3.9%. If your credit is good enough, it could certainly be a negotiating opportunity.

[dmontic71]

Originally Posted by Ron Scott

The leasing game is tired. If you're running a small business and can do a tax thing to lease off cash flow I guess it makes sense. Otherwise it's a loser.

I hear your rant...but the solution is to wait until you can afford to buy (not borrow).

Leasing is the best way to go unless you are keeping a vehicle for a long, long time IMO (and then should probably buy a car 2 yrs old). You get a new car, only pay for what you use, then give it back before it goes out of warranty!

[jddssc121]

Originally Posted by CurlyFatAngry

I'm really interested in trading in my 2011 E92 but at 4.9% lease it's just ridiculous when Audi and Merc have 1.9% and 2.9%

.

And what does it look like when you compare residuals for a BMW vs an Audi?

[RPM90]

Originally Posted by jddssc121

And what does it look like when you compare residuals for a BMW vs an Audi?

Yes.

BMW leases are better than Audi and MB.
The lease on a BMW at $50K is lower payment than a lease on an A4 in the lower $40's.

Audi money factors are low, but their residuals are really low.
It makes for a good purchase if you buy your lease at the end of the term. But if you do that you're better off with a low interest purchase from the onset.

Leasing only makes sense for those of us who want to drive a new car every 3 years, and don't mind having a continual monthly payment. I want a new car every 3 years, and I don't mind having a continual low payment to get that. BMW serves me best for that kind of deal, as long as the cars are nice. They lost me with the E90, but luckily the 135i was available.

[BSM328xi]

Originally Posted by CurlyFatAngry

I'm really interested in trading in my 2011 E92 but at 4.9% lease it's just ridiculous when Audi and Merc have 1.9% and 2.9%

I'm just ranting about BMW financial service which is changing BMW into a bank rather than car maker.

I'm not sure I understand your post. You mention leasing and then give finance rates.

If you are buying, try PenFed. They are a credit union you can join. Just financed an X3 with them for 1.99%. To everyone else's point, BMW has no incentive to drop rates when the cars are hot. The F25 is 4.9% as well. If you use a private bank (which BMW centers contract with as well) you can get in the 2s with good credit.

By the way, at 1.99% it pays to borrow and not pay cash. Not sure where the logic is in this thread.

Good luck with your purchase.