๐Ÿš— Lease vs Buy

BMW 3 Series: lease vs buy

Typical lease parameters and what the math looks like โ€” plus a pre-filled calculator you can adjust to your actual dealer quote.

BMW Financial frequently subsidizes leases. 3 Series depreciates fast post-lease โ€” which works in the lessee's favor.

Typical BMW 3 Series parameters

ParameterTypical LeaseTypical Purchase
Price / Cap Cost$45,000$44,000
Drive-off / Down$4,999~$3,500
Monthly payment~$589/mo~$765/mo (6.5% APR)
Residual50% MSRP~$18,500 resale (5yr est.)
Equivalent APR~4.2%Market rate

Open pre-filled calculator โ†’

Compare BMW 3 Series prices before you negotiate
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Have a specific dealer quote?

Enter the exact numbers โ€” the calculator shows total cost both ways.

Open the calculator โ†’