BMW Lease Deals August 2026: Every Model Ranked

Two things moved in August, and both cost money. BMW cut the 2027 M3 residual from 55% to 52%, which adds $61 to $68 a month across the three M3 trims. And the 2027 iX3 money factor went from 0.00275 to 0.00287 (6.60% to 6.89% APR), another $12 a month. Everything else in the lineup carried its July numbers.

The real changes this month are exactly two: (1) the 2027 M3 residual cut, worth $61 to $68 per month depending on trim, and (2) the 2027 iX3 rate rising to 6.89% APR, the highest money factor in the lineup. Nothing else moved. The i4 holds at 0.84% APR, the 760i at 1.32%, the 2026 i5 at 1.44%, the 330i at 2.16%, and the unsubsidized wall stays at 0.00240 (5.76% APR). If you liked a BMW lease in July, it is the same deal now unless you wanted an M3 or an iX3.

August 2026 Lineup: Two Moves, Both Downward

BMW touched two things this month. The 2027 M3 lost three points of residual, from 55% to 52%, and the 2027 iX3 buy rate went from 0.00275 to 0.00287 (6.60% to 6.89% APR). That is the entire change list. Every other rate, residual, and lease credit in the August pull matches July.

What held: the i4 at 0.84% APR with $3,750 Lease Credit, the 760i xDrive at 1.32% APR, the 740i at 1.68% APR, the 2026 i5 at 1.44% APR, the 330i at 2.16% APR, the 550e at 2.28% APR, the i7 at 2.40% APR with $7,500 Lease Credit, the 2026 X7 at 3.24% APR, the 5 Series ICE at 3.36% APR, the iX xDrive45 at 4.20% APR, the X5 at 4.32% APR, and the 8 Series at 5.04% APR. The unsubsidized wall sits at 0.00240 (5.76% APR), same as July.

M3: BMW Cut the 2027 Residual to 52%

The 2027 M3 residual went from 55% to 52%. Three points of residual on an $79,750 car is real money: the base M3 goes from ~$1,294/month to ~$1,354/month. The rate did not move. The M3 sits at MF 0.00240 (5.76% APR) with $0 Lease Credit, same as July and same as every other M car.

The 2026 M3 kept its 55% residual. That is the whole play here. A 2026 M3 Sedan is ~$1,294/month and the identically-priced 2027 is ~$1,354/month. Same sticker, same rate, $61 apart on residual alone. If you want an M3 on a lease, buy the leftover model year. M2, M4, M5, X5 M, and X6 M all held their July residuals and rates.

2 Series: Gran Coupe Is the Cheapest BMW Lease

The 228i Gran Coupe holds at MF 0.00095 (2.28% APR) with 56% residual and $0 Lease Credit, unchanged from July. At $41,350 it runs ~$567/month, the lowest payment in the BMW lineup.

The Coupes are a different program. The 230i Coupe and M240i Coupe sit on the wall at MF 0.00240 (5.76% APR) with 54% residual, also unchanged. A 230i Coupe costs ~$717/month against ~$567 for a Gran Coupe that stickers $2,200 less. Most of that $150 gap is the rate. On the 2027 side, the 228i Gran Coupe carries MF 0.00115 (2.76% APR) and the M235i xDrive Gran Coupe keeps the better 0.00095 (2.28% APR), both unchanged from July.

3 Series: Still the Best Gas Sedan Rate

The 330i holds at MF 0.00090 (2.16% APR) with $1,000 Lease Credit and 56% residual. Unchanged from July. At $49,350 it runs ~$644/month, which is the best rate-to-payment combination in the gas lineup.

The M340i costs more per point. It carries MF 0.00120 (2.88% APR), also with $1,000 Lease Credit and the same 56% residual, and runs ~$868/month. That is $224/month over the 330i for the six-cylinder. Both numbers match July exactly.

4 Series: The Body-Style Tax, Unchanged

Every 4 Series is on the wall at MF 0.00240 (5.76% APR) with $0 Lease Credit and 53% residual. Unchanged from July. The 430i Gran Coupe is the cheapest way in at ~$879/month.

Compare that to the 330i Sedan at ~$644/month. The Gran Coupe stickers about $3,200 more and costs $235/month more. The rate gap (2.16% versus 5.76%), the missing $1,000 Lease Credit, and three points of residual account for it. There is no deal here in August, and there was not one in July either.

5 Series: 550e Still Has the Best Rate

The 550e xDrive PHEV holds the best 5 Series rate at MF 0.00095 (2.28% APR) with $1,000 Lease Credit and 57% residual. Unchanged from July. Its $75,500 sticker still makes it the most expensive 5 Series to lease at ~$1,004/month.

The ICE cars run MF 0.00140 (3.36% APR) with the same $1,000 Lease Credit and 57% residual, also unchanged. A 530i is ~$846/month and a 540i xDrive ~$947. The 2027 cars are a straight downgrade: MF 0.00180 (4.32% APR), $0 Lease Credit, higher stickers. A 2027 530i costs ~$915/month against ~$846 for the 2026. Same story as July.

7 Series: 1.32% APR on a $124,700 Flagship

The 760i xDrive holds at MF 0.00055 (1.32% APR) with $2,000 Lease Credit and 52% residual, unchanged from July. It is the second-lowest rate BMW publishes and it is on the most expensive gas car in the lineup. At $124,700 it runs ~$1,710/month.

The 740i is MF 0.00070 (1.68% APR), also with $2,000 Lease Credit, at ~$1,373/month. The 750e PHEV carries the biggest 7 Series credit at $3,000 but a worse rate, MF 0.00105 (2.52% APR), and runs ~$1,573. All three match July. The 2027 740i is the one to avoid: MF 0.00145 (3.48% APR), $0 Lease Credit, and ~$1,543/month on the same $99,300 sticker as the 2026.

8 Series: $2,000 Credit Holds, Rate Still Weak

The 8 Series holds at MF 0.00210 (5.04% APR) with $2,000 Lease Credit and 52% residual across every body style. Unchanged from July. The 840i Coupe runs ~$1,428/month.

The credit did not move again this month. At 5.04% APR the 8 Series is closer to the wall than to the 7 Series program. A 740i at 1.68% APR stickers $9,300 more and leases for ~$1,373, which is $55/month less than an 840i Coupe.

X1, X2, X3: The X2 Is the Trap

The X1 and X3 both hold at MF 0.00170 (4.08% APR) with $1,000 Lease Credit. Unchanged from July. The X1 xDrive28i runs ~$645/month at 55% residual and the X3 30 xDrive ~$754/month at 56%.

The X2 is the one to watch. It sits on the wall at MF 0.00240 (5.76% APR) with $0 Lease Credit, also unchanged. An X2 xDrive28i stickers $46,050 and leases for ~$759/month. An X3 30 xDrive stickers $6,600 more and leases for ~$754. The bigger SUV is $5/month cheaper because it has a real program behind it.

X5, X6, X7: X7 Has the Best Rate of the Three

The 2026 X7 holds the best big-SAV rate at MF 0.00135 (3.24% APR) with $1,000 Lease Credit and 52% residual. Unchanged from July. The X7 xDrive40i runs ~$1,341/month on an $89,050 sticker.

The X5 sits at MF 0.00180 (4.32% APR) with the larger $2,000 Lease Credit, and the xDrive50e PHEV gets a better rate at MF 0.00155 (3.72% APR). Both match July. The X6 is the wall car of the group: MF 0.00240 (5.76% APR), $0 Lease Credit, and ~$1,357/month on a $78,750 sticker. That is $240/month more than a mechanically similar X5 xDrive40i.

i4: 0.84% APR, Unchanged Again

The i4 eDrive40 and xDrive40 hold at MF 0.00035 (0.84% APR) with $3,750 Lease Credit. Unchanged from July. The eDrive40 runs ~$684/month on a $59,250 sticker, which is the best rate-and-cash combination BMW offers on anything.

The xDrive40 gets the better residual at 55% versus 54% and runs ~$725/month. The M60 steps up to MF 0.00085 (2.04% APR), keeps the $3,750 Lease Credit, and comes to ~$908. All three carried their July numbers with no change.

i5, iX, iX3, i7: The iX3 Rate Went Up Again

The 2027 iX3 xDrive50 went from MF 0.00275 to 0.00287 (6.60% to 6.89% APR). That is $12/month more, from ~$1,054 to ~$1,065, and it now carries the highest money factor in the entire BMW lineup with $0 Lease Credit behind it.

Everything else in the EV range held. The 2026 i5 eDrive40 stays at MF 0.00060 (1.44% APR) with $3,750 Lease Credit at ~$869/month, still the premium-EV value pick. The iX xDrive45 holds MF 0.00175 (4.20% APR) with $7,500 Lease Credit, and the iX M70 quietly keeps the best iX rate at MF 0.00110 (2.64% APR). The i7 eDrive50 holds MF 0.00100 (2.40% APR) with $7,500 Lease Credit at ~$1,354/month. The 2027 i5 eDrive40 stays at MF 0.00160 (3.84% APR), unchanged from July but still $102/month worse than the 2026.

The 0.00240 Wall: 5.76% APR, Unchanged from July

The unsubsidized floor stays at MF 0.00240 (5.76% APR). Every model that hit the wall in July still hits it in August: M2, M3, M4, M5, all 4 Series variants, X2, X5 M, X6, X6 M, Z4, and the 2 Series Coupes. None of them carries a base Lease Credit. Nothing about this group changed month over month except the 2027 M3 residual.

Conditional incentives (loyalty, conquest, college grad, military) still stack on wall models. The base program is unsubsidized, as it has been for months. If a dealer quotes you a wall car, the only real lever is the selling price.

Payment Math & Assumptions

All monthly payments are pre-tax estimates computed as Monthly = (Cap − Residual) / 36 + (Cap + Residual) × MF, where Cap = MSRP − non-conditional lease credit and Residual = MSRP × RV%. Term is 36 months / 12,000 miles per year, Northeast region. MF and residuals come from BMW FS exactData at 36mo/12K. No down payment, no dealer discount, no acquisition fee, and no tax are included in the quoted number.

The August pull returned 15, 24, 36, 39, and 42-month terms. Every number in this post is quoted at 36 months / 12,000 miles. Rates and residuals differ by term, so ask your dealer for the exact money factor and residual on the term you are actually signing.

Tax, registration, title, dealer doc fees, and the acquisition fee are excluded and vary by state. Your drive-off costs depend on your state's lease tax treatment, which can add $0 to $1,500 or more at signing.

Data sourced from BMW Financial Services exactData, Northeast region, August 2026. Residuals and money factors change monthly.