BMW Lease Deals July 2026: Every Model Ranked
July 2026 BMW program reverses June's rally: 5 Series ICE rate goes back to 3.36% APR (up from 2.28%), 8 Series and X5 lease credits cut $1,000 each to $2,000, iX xDrive45 climbs to 4.20% APR, and the 2027 i5 jumps to 3.84% APR. The i4 holds at 0.84% APR for a fourth month and the 760i at 1.32% APR. The wall eased slightly to 5.76% APR (MF 0.0024). The new 2027 iX3 lands at 6.60% APR, the worst rate in the lineup.
July reverses June's rally. The 5 Series ICE rate jumped back from MF 0.00095 (2.28% APR) to 0.0014 (3.36% APR). The improvement lasted exactly one month. BMW also cut $1,000 off the 8 Series and X5 lease credits ($3,000 to $2,000), and the iX xDrive45 rate climbed again to 0.00175 (4.20% APR). The bright spots held: the i4 sits at 0.84% APR and the 760i at 1.32% APR, both unchanged.
The key changes this month: (1) the 5 Series ICE MF went back to 0.0014 (3.36% APR), about $42–47/month more; (2) the 8 Series and X5 lease credits were cut $1,000 each, roughly $30/month more; (3) the iX xDrive45 climbed to 4.20% APR, about $69/month more; and (4) the 2027 i5 jumped to 3.84% APR. The unsubsidized wall eased a hair (0.00245 to 0.0024). Overall, the BMW program worsened in July.
0.84%
Best APR — i4 eDrive40
MF 0.00035 + $3,750 LC — unchanged 4th month
3.36%
5 Series ICE APR
Reversed up from 2.28% in June
$2,000
8 Series + X5 Lease Credit
Cut from $3,000 — about $30/mo more
$7,500
Largest Lease Credit
iX / i7 — unchanged, still the biggest cushion
July 2026 Lineup: The June Rally Reverses
BMW gave back most of June's gains. The 5 Series ICE rate went from MF 0.00095 (2.28% APR) straight back to 0.0014 (3.36% APR). The 8 Series and X5 each lost $1,000 of lease credit ($3,000 to $2,000). The iX xDrive45 climbed to 0.00175 (4.20% APR), and the 2027 i5 jumped to 0.0016 (3.84% APR). These are real cost increases, not rounding noise.
What held: the i4 at 0.84% APR for a fourth month, the 760i at 1.32% APR, the i5 2026 at 1.44% APR, the 330i at 2.16% APR, and the 2026 X7 at 3.24% APR. The one small bright spot is the unsubsidized wall, which eased from 0.00245 to 0.0024 (5.76% APR). The new 2027 iX3 arrives at the other extreme: MF 0.00275 (6.60% APR), the worst rate in the lineup, above even the wall. On balance, July is a step back for BMW lease shoppers.
| Model | Best MF (36mo) | Best APR | Best RV (12K) | Lease Credit | vs June |
|---|---|---|---|---|---|
| i4 (2026) | 0.00035 | 0.84% | 55% | $3,750 | Unchanged |
| 7 Series (760i xDrive) | 0.00055 | 1.32% | 52% | $2,000 | Unchanged |
| i5 (2026) | 0.00060 | 1.44% | 52% | $3,750 | Unchanged |
| 3 Series (330i) | 0.0009 | 2.16% | 56% | $1,000 | Unchanged |
| 5 Series 550e (PHEV) | 0.00095 | 2.28% | 57% | $1,000 | Now best 5-Series rate |
| 5 Series ICE (530i) | 0.0014 | 3.36% | 57% | $1,000 | Worsened |
| X7 (2026) | 0.00135 | 3.24% | 52% | $1,000 | Unchanged |
| iX xDrive45 | 0.00175 | 4.20% | 52% | $7,500 | Worsened |
| X5 (xDrive40i) | 0.00180 | 4.32% | 51% | $2,000 | LC cut |
| 8 Series | 0.00210 | 5.04% | 52% | $2,000 | LC cut |
| M cars / 4 Series / X2 / X6 / Z4 | 0.0024 | 5.76% | — | $0 | Eased slightly |
| iX3 xDrive50 (2027) | 0.00275 | 6.60% | 55% | $0 | New — worst rate |
*Pre-tax, 36mo/12K, Northeast region. Best RV shown for the listed trim. Data: BMW Financial Services exactData, July 2026.
2 Series — Gran Coupes Steady; Coupes Lost Their $750 Credit
The Gran Coupes are unchanged. The 228i Gran Coupe holds at MF 0.00095 (2.28% APR) with $0 Lease Credit and 56% RV. The 228i Gran Coupe at $41,100 MSRP runs ~$563/month; the xDrive at $43,100 comes to ~$591/month. The M235i xDrive Gran Coupe at $51,000 runs ~$699/month. Same rate, same residual, same math as June.
The Coupes got two changes that net out badly. The wall MF eased from 0.00245 to 0.0024 (5.88% to 5.76% APR), but BMW dropped the $750 Lease Credit the coupes carried in June. Losing the credit outweighs the tiny rate cut, so coupe payments went up, not down. The 230i Coupe at $42,200 now runs ~$695/month, roughly $19 more than June. The M240i xDrive Coupe at $55,600 lands at ~$916/month. Gran Coupes remain the only viable 2 Series lease.
| 2 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 228i Gran Coupe | $41,100 | 0.00095 | 2.28% | 56% | ~$563 |
| 228i xDrive Gran Coupe | $43,100 | 0.00095 | 2.28% | 56% | ~$591 |
| M235i xDrive Gran Coupe | $51,000 | 0.00095 | 2.28% | 56% | ~$699 |
| 230i Coupe | $42,200 | 0.0024 | 5.76% | 54% | ~$695 |
| 230i xDrive Coupe | $44,200 | 0.0024 | 5.76% | 54% | ~$728 |
| M240i xDrive Coupe | $55,600 | 0.0024 | 5.76% | 54% | ~$916 |
*Pre-tax, 36mo/12K, Northeast region. Gran Coupes and Coupes both cap = MSRP (2026 base LC is $0; the coupe $750 credit was removed in July). Source: BMW FS exactData; MSRPs from June 2026 post.
Verdict — 2 Series
Gran Coupes (228i/M235i) at 2.28% APR are the only 2 Series worth leasing, and they are unchanged. The Coupes sit at the 5.76% APR wall and just lost their $750 credit, so they got more expensive. Gran Coupe or skip it.
3 Series — Flat Again; Still the Compact Sedan Standard
The 3 Series is unchanged from June: MF 0.0009 (2.16% APR) on 330i trims with $1,000 Lease Credit and 56% RV. The 330i Sedan at $48,000 MSRP runs ~$625/month pre-tax. The 330i xDrive at $50,000 comes to ~$653/month. The M340i Sedan at $62,300 runs MF 0.0012 (2.88% APR) and ~$849/month; the xDrive at $64,300 lands at ~$877/month.
In a month where several BMW programs got worse, the 330i staying put at 2.16% APR matters. It remains the most predictable BMW lease and still beats the Audi A4, Mercedes C300, and Genesis G70 on rate. Nothing to wait for here.
| 3 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 330i Sedan | $48,000 | 0.0009 | 2.16% | 56% | ~$625 |
| 330i xDrive Sedan | $50,000 | 0.0009 | 2.16% | 56% | ~$653 |
| M340i Sedan | $62,300 | 0.0012 | 2.88% | 56% | ~$849 |
| M340i xDrive Sedan | $64,300 | 0.0012 | 2.88% | 56% | ~$877 |
*Pre-tax, 36mo/12K, Northeast region, cap = MSRP − $1,000 Lease Credit. Source: BMW FS exactData; MSRPs from June 2026 post.
Verdict — 3 Series
330i Sedan at ~$625/month remains the BMW lease benchmark, and it did not move while other programs got worse. Sign if the car fits. M340i at ~$849/month is a fair performance step-up if you want it.
5 Series — Rate Reversed: 3.36% APR Is Back; 550e Now the Best 5-Series Rate
June's 5 Series improvement is gone. The ICE MF went from 0.00095 (2.28% APR) straight back up to 0.0014 (3.36% APR) on the 530i, 530i xDrive, and 540i xDrive. At $1,000 LC and 57% RV, the 530i Sedan at $60,500 now runs ~$826/month; the 530i xDrive at $62,800 comes to ~$859; the 540i xDrive at $67,700 lands at ~$928. That is $42–47/month more than the same cars carried in June.
With the ICE rate up, the 550e PHEV is now the cheapest-rate 5 Series at MF 0.00095 (2.28% APR), $1,000 LC, 57% RV. It still carries the highest sticker ($75,500) so the payment is ~$986/month, the priciest in the lineup, but on rate alone the PHEV finally beats the gas cars. If you were cross-shopping 540i vs 550e, the calculus flipped.
The 2027 5 Series ICE is unchanged at MF 0.0018 (4.32% APR) with $0 LC. Against the 2026 at 3.36% APR with $1,000 LC, 2027 is still the worse buy. Skip it.
| 5 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 530i Sedan (2026) | $60,500 | 0.0014 | 3.36% | 57% | ~$826 |
| 530i xDrive Sedan (2026) | $62,800 | 0.0014 | 3.36% | 57% | ~$859 |
| 540i xDrive Sedan (2026) | $67,700 | 0.0014 | 3.36% | 57% | ~$928 |
| 550e xDrive (PHEV, 2026) | $75,500 | 0.00095 | 2.28% | 57% | ~$986 |
| 530i Sedan (2027) | $61,950 | 0.0018 | 4.32% | 57% | ~$915 |
| 540i xDrive Sedan (2027) | $69,200 | 0.0018 | 4.32% | 57% | ~$1,022 |
*Pre-tax, 36mo/12K, Northeast region, cap = MSRP − $1,000 LC (2026) or MSRP only (2027). Source: BMW FS exactData; MSRPs from June 2026 post.
5 Series ICE Reversal: June → July
In June the 5 Series ICE ran MF 0.00095 (2.28% APR). July puts it right back at 0.0014 (3.36% APR). On a 530i that is about $42/month more; on a 540i xDrive about $47/month more. The residual and the $1,000 credit did not change. The rate did. June's deal lasted exactly one month.
Verdict — 5 Series
The June window closed. At 3.36% APR the 2026 5 Series ICE is back to a mid-pack rate, so there is no urgency. The 550e now has the best 5-Series rate at 2.28% APR but the highest payment (~$986) on a $75,500 sticker. If you want a 5 Series, negotiate hard on price or wait for the rate to come back down. Skip 2027.
7 Series — Unchanged: Best Rate Outside the i4
The 7 Series held every number from June. The 760i xDrive stays at MF 0.00055 (1.32% APR) and the 740i trims at MF 0.0007 (1.68% APR), all with $2,000 LC and 52% RV. The 740i Sedan at $99,300 runs ~$1,373/month; the 740i xDrive at $102,300 comes to ~$1,416; the 760i xDrive at $124,700 lands at ~$1,710. The 750e xDrive plug-in hybrid at $111,175 carries a bigger $3,000 credit at MF 0.00105 (2.52% APR), ~$1,573/month.
The 760i at 1.32% APR is still the second-best rate in the BMW lineup after the i4. On a $124K car, rent charge is ~$103/month; the rest is pure depreciation at 52% RV. In a month where the 5 Series, 8 Series, X5, and iX all got worse, the 7 Series holding its March-level rates is the quiet win.
| 7 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 740i Sedan | $99,300 | 0.0007 | 1.68% | 52% | ~$1,373 |
| 740i xDrive Sedan | $102,300 | 0.0007 | 1.68% | 52% | ~$1,416 |
| 750e xDrive (PHEV) | $111,175 | 0.00105 | 2.52% | 52% | ~$1,573 |
| 760i xDrive Sedan | $124,700 | 0.00055 | 1.32% | 52% | ~$1,710 |
*Pre-tax, 36mo/12K, Northeast region, cap = MSRP − $2,000 LC (740i/760i) or − $3,000 LC (750e). Source: BMW FS exactData; ICE MSRPs from June 2026 post, 750e MSRP from KBB.
Verdict — 7 Series
760i xDrive at 1.32% APR is the most compelling large luxury sedan lease on the market, and it is unchanged. 740i xDrive at 1.68% APR is ~$294/month cheaper and still elite. If you want a $100K+ sedan and can stomach the 52% residual, the 7 Series is the buy. This rate has held since March; it may not last.
8 Series — Lease Credit Cut to $2,000; Still Near the Wall
BMW cut the 8 Series lease credit from $3,000 to $2,000 in July. The rate held at MF 0.00210 (5.04% APR) with 52% RV. That $1,000 credit cut adds about $30/month across the lineup. The 840i Coupe at $90,000 now runs ~$1,428/month; the 840i xDrive Coupe at $93,000 comes to ~$1,477; the 840i xDrive Gran Coupe at $99,050 runs ~$1,577; the M850i xDrive Coupe at $105,000 lands at ~$1,675.
The 8 Series was already a weak lease at 5.04% APR. Cutting the credit makes it worse. On a $90K car at that rate you pay roughly $290/month in rent charge alone. The 740i leases for less per month at a far better rate on a more expensive car. That structural anomaly persists.
| 8 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 840i Coupe | $90,000 | 0.00210 | 5.04% | 52% | ~$1,428 |
| 840i xDrive Coupe | $93,000 | 0.00210 | 5.04% | 52% | ~$1,477 |
| 840i xDrive Gran Coupe | $99,050 | 0.00210 | 5.04% | 52% | ~$1,577 |
| M850i xDrive Coupe | $105,000 | 0.00210 | 5.04% | 52% | ~$1,675 |
*Pre-tax, 36mo/12K, Northeast region, cap = MSRP − $2,000 LC (down from $3,000 in June). Source: BMW FS exactData; MSRPs from June 2026 post.
8 Series Lease Credit Cut: June → July
BMW cut the 8 Series lease credit from $3,000 to $2,000. The rate held at 0.00210 (5.04% APR). That is about $30/month more on every trim. The 840i Coupe now runs ~$1,428/month, up from what the same car cost in June with the larger credit.
Verdict — 8 Series
Skip it. 5.04% APR near the wall, ~$290/month in rent charge on the 840i, and now a smaller $2,000 credit. The 7 Series 740i leases for less per month at a far lower rate on a more expensive car. If the coupe body is non-negotiable, know you are paying more for less.
X1 + X3 — Flat at 4.08% APR; Adequate but Not a Deal
The X1 and X3 are unchanged: MF 0.00170 (4.08% APR) with $1,000 Lease Credit and 55–56% RV. The X1 xDrive28i at $46,400 MSRP runs ~$673/month; the X1 M35i at $51,900 comes to ~$756/month. The X3 xDrive30i at $51,300 runs ~$734/month, and the X3 M50 xDrive at $66,500 lands at ~$960/month.
4.08% APR is market-rate for compact luxury SUVs, with no rate advantage over the Genesis GV70, Audi Q5, or Mercedes GLC. Nothing to chase, nothing to avoid. If payment matters more than badge, cross-shop the GV70.
| X1 / X3 Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| X1 xDrive28i | $46,400 | 0.00170 | 4.08% | 55% | ~$673 |
| X1 M35i | $51,900 | 0.00170 | 4.08% | 55% | ~$756 |
| X3 xDrive30i | $51,300 | 0.00170 | 4.08% | 56% | ~$734 |
| X3 M50 xDrive | $66,500 | 0.00170 | 4.08% | 56% | ~$960 |
*Pre-tax, 36mo/12K, Northeast region, cap = MSRP − $1,000 Lease Credit. Source: BMW FS exactData; MSRPs from June 2026 post, X1 M35i from TrueCar.
Verdict — X1 + X3
Adequate, not exciting. 4.08% APR is mid-pack for compact luxury SUVs. X3 at ~$734/month is fair. No reason to rush, no reason to avoid if you prefer BMW. Cross-shop the Genesis GV70 if payment beats badge.
X5 + X7 — X5 Lease Credit Cut; X7 Unchanged
BMW cut the X5 lease credit from $3,000 to $2,000, adding about $30/month. The rate held at MF 0.00180 (4.32% APR) with 51% RV. The X5 sDrive40i at $68,300 now runs ~$1,056/month; the xDrive40i at $70,600 comes to ~$1,094; the M60i at $93,600 runs ~$1,469. The xDrive50e PHEV at $76,000 holds its MF 0.00155 (3.72% APR) and runs ~$1,154/month.
The X7 is unchanged. The 2026 X7 xDrive40i at $87,500 runs ~$1,317/month at MF 0.00135 (3.24% APR) with $1,000 LC, the best three-row luxury SUV rate in the segment. The 2027 X7 xDrive40i at $83,450 actually comes in a touch lower on payment (~$1,290) because of the lower sticker, but it carries a higher MF 0.0014 (3.36% APR) and no lease credit. On rate, 2026 still wins.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| X5 — Lease Credit Cut | |||||
| X5 sDrive40i | $68,300 | 0.00180 | 4.32% | 51% | ~$1,056 |
| X5 xDrive40i | $70,600 | 0.00180 | 4.32% | 51% | ~$1,094 |
| X5 xDrive50e (PHEV) | $76,000 | 0.00155 | 3.72% | 51% | ~$1,154 |
| X5 M60i xDrive | $93,600 | 0.00180 | 4.32% | 51% | ~$1,469 |
| X7 — Unchanged | |||||
| X7 xDrive40i (2026) | $87,500 | 0.00135 | 3.24% | 52% | ~$1,317 |
| X7 M60i xDrive (2026) | $115,000 | 0.00135 | 3.24% | 52% | ~$1,740 |
| X7 xDrive40i (2027) | $83,450 | 0.0014 | 3.36% | 52% | ~$1,290 |
*Pre-tax, 36mo/12K, Northeast region. X5: cap = MSRP − $2,000 LC (down from $3,000 in June). X7 2026: cap = MSRP − $1,000 LC. X7 2027: cap = MSRP only. Source: BMW FS exactData; MSRPs from June 2026 post.
X5 Lease Credit Cut: June → July
BMW cut the X5 lease credit from $3,000 to $2,000. The rate held at 0.00180 (4.32% APR). That is about $30/month more across the lineup. The xDrive40i now runs ~$1,094/month. The X7 was left alone.
Verdict — X5 + X7
X5 xDrive40i at ~$1,094/month is still market-rate, just $30 worse after the credit cut. The X5 PHEV at 3.72% APR adds capability for ~$60/month over the base. 2026 X7 xDrive40i at 3.24% APR (~$1,317) is the best three-row SUV lease rate around and unchanged. The 2027 X7 is a bit cheaper per month on a lower sticker but at a worse rate with no credit.
XM — Flagship PHEV; 4.56% APR With the Biggest Credit in the Lineup
The XM Label, BMW's 738-hp plug-in-hybrid M SUV, runs MF 0.0019 (4.56% APR) with a $7,500 Lease Credit and 53% RV. At $160,775 MSRP it lands at ~$2,344/month pre-tax, the priciest BMW lease short of the i7 M70. The credit is the largest on any gas or PHEV BMW, but 4.56% APR on a $160K SUV still means a heavy rent charge.
This is a niche lease. The rate is mid-pack and the credit helps, but depreciation on a $160K halo SUV at 53% RV is the real cost, roughly $4,800/month in pure depreciation. If you want the XM, you want the XM. Nothing in the lineup cross-shops against it. Of the ~$2,344 payment, roughly $1,890 is pure depreciation; the rate adds only ~$450/month in rent charge.
| XM Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| XM Label (PHEV) | $160,775 | 0.0019 | 4.56% | 53% | ~$2,344 |
*Pre-tax, 36mo/12K, Northeast region, cap = MSRP − $7,500 LC. Source: BMW FS exactData; MSRP from KBB.
Verdict — XM
A want, not a value. ~$2,344/month on a $160K PHEV at 4.56% APR, softened by the biggest credit in the lineup ($7,500). The economics are what they are for a six-figure halo SUV. Lease it because you want the XM, not because the numbers make sense.
i4 — Best Rate in the Lineup; Unchanged for a Fourth Month
The i4 eDrive40 and xDrive40 hold at MF 0.00035 (0.84% APR) with $3,750 Lease Credit and 54–55% RV. The eDrive40 at $57,900 MSRP runs ~$666/month; the xDrive40 at $62,300 comes to ~$707/month. The i4 M60 holds at MF 0.00085 (2.04% APR) with $3,750 LC and ~$889/month.
Four straight months at 0.84% APR confirms this is BMW FS's standing EV lease rate, not a promotion. The rent charge on the eDrive40 is ~$30/month; you are renting on pure depreciation. In a month where most of the lineup slipped, the i4 is the anchor.
| i4 Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| eDrive40 Gran Coupe | $57,900 | 0.00035 | 0.84% | 54% | ~$666 |
| xDrive40 Gran Coupe | $62,300 | 0.00035 | 0.84% | 55% | ~$707 |
| M60 Gran Coupe | $70,700 | 0.00085 | 2.04% | 54% | ~$889 |
*Pre-tax, 36mo/12K, Northeast region, cap = MSRP − $3,750 Lease Credit. Source: BMW FS exactData; MSRPs from June 2026 post.
Verdict — i4
The i4 eDrive40 at 0.84% APR is the single best BMW lease rate, now four months running. If EV works for your life, this is the deal: ~$666/month on a $57,900 car at near-zero financing cost. xDrive40 adds AWD for ~$41/month, worth it in snow states. Skip the M60 unless M performance is the point.
iX + iX3 + i7 + i5 — iX xDrive45 Worse Again; New iX3 Lands at 6.60% APR
The iX xDrive45 got worse for a second straight month. In June it ran MF 0.00110 (2.64% APR); in July it climbed to MF 0.00175 (4.20% APR), matching the xDrive60. That is about $69/month more. The base iX xDrive45 at $75,150 now runs ~$980/month. Oddly, the iX M70 is now the cheapest iX rate at MF 0.0011 (2.64% APR), ~$1,457/month on a $111,500 sticker. The $7,500 LC is unchanged across iX trims.
The i7 is steady. The eDrive50 holds at MF 0.001 (2.40% APR), ~$1,354/month at $105,700; the xDrive60 at $124,200 runs ~$1,629. The M70 xDrive tops the range at MF 0.0017 (4.08% APR), ~$2,480/month on a $169,675 sticker. All keep the $7,500 LC.
The 2026 i5 is unchanged and remains the value pick in this tier: MF 0.0006 (1.44% APR) with $3,750 LC, ~$849/month on the eDrive40 ($67,100) and ~$892 on the xDrive40 ($70,100). The i5 M60 xDrive at $85,275 runs a higher MF 0.00135 (3.24% APR), ~$1,203/month. The 2027 i5, though, jumped from MF 0.0009 (2.16% APR) to 0.0016 (3.84% APR), about $71/month more. The 2027 eDrive40 at $68,550 now runs ~$971/month vs ~$849 for the 2026. Stick to 2026.
One new arrival: the 2027 iX3 xDrive50, BMW's next electric SAV. It lands at MF 0.00275 (6.60% APR) with $0 lease credit and 55% RV. That is the worst rate in the entire BMW lineup, above even the wall. At $62,850 MSRP it runs ~$1,054/month pre-tax. Launch programs are almost always unsubsidized; wait for BMW FS to put rate support on it before leasing.
| Model / Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| iX — xDrive45 Worsened | |||||
| iX xDrive45 | $75,150 | 0.00175 | 4.20% | 52% | ~$980 |
| iX xDrive60 | $88,500 | 0.00175 | 4.20% | 52% | ~$1,194 |
| iX M70 | $111,500 | 0.0011 | 2.64% | 52% | ~$1,457 |
| i7 — Unchanged | |||||
| i7 eDrive50 | $105,700 | 0.00100 | 2.40% | 52% | ~$1,354 |
| i7 xDrive60 | $124,200 | 0.00100 | 2.40% | 52% | ~$1,629 |
| i7 M70 xDrive | $169,675 | 0.0017 | 4.08% | 52% | ~$2,480 |
| i5 — 2026 Steady, 2027 Jumped | |||||
| i5 eDrive40 (2026) | $67,100 | 0.00060 | 1.44% | 52% | ~$849 |
| i5 xDrive40 (2026) | $70,100 | 0.00060 | 1.44% | 52% | ~$892 |
| i5 M60 xDrive (2026) | $85,275 | 0.00135 | 3.24% | 52% | ~$1,203 |
| i5 eDrive40 (2027) | $68,550 | 0.0016 | 3.84% | 52% | ~$971 |
| iX3 — New Arrival (2027) | |||||
| iX3 xDrive50 | $62,850 | 0.00275 | 6.60% | 55% | ~$1,054 |
*Pre-tax, 36mo/12K, Northeast region. iX/i7: cap = MSRP − $7,500 LC. i5: cap = MSRP − $3,750 LC. iX3: cap = MSRP, $0 LC. Source: BMW FS exactData; iX3 ($62,850 incl. destination), i7 M70 and i5 M60 MSRPs from KBB/TrueCar; other MSRPs from June 2026 post.
iX xDrive45 + 2027 i5 Rate Hikes: June → July
iX xDrive45: June MF 0.00110 (2.64% APR) → July 0.00175 (4.20% APR), about $69/month worse at ~$980. The $7,500 LC did not change; the rate did. The 2027 i5 eDrive40 also jumped: MF 0.0009 (2.16% APR) → 0.0016 (3.84% APR), about $71/month worse at ~$971. The 2026 i5 and the i7 were left alone.
Verdict — Premium EV (iX / i7 / i5)
i5 eDrive40 (2026) at 1.44% APR and ~$849/month is the clear value pick, unchanged and still competitive. The i7 at 2.40% APR is steady. The iX xDrive45 is now 4.20% APR (~$980), leaning on its $7,500 credit to stay reasonable. Skip the 2027 i5. If you want an iX, the M70 quietly holds the best iX rate at 2.64%. Avoid the new iX3 until it gets rate support; 6.60% APR with no credit is a non-starter.
The 0.0024 Wall — Eased to 5.76% APR; Every M Car, 4 Series, X2, X6, Z4
The unsubsidized floor eased from 0.00245 to 0.0024 (5.88% to 5.76% APR) in July. Every model that hit the wall in June still hits it: M2, M3, M4, M5, all 4 Series variants, X2, X5-M, X6, X6-M, Z4, and the 2 Series Coupes. The one catch: the 2 Series Coupes lost the $750 Lease Credit they carried in June, so despite the tiny rate cut, coupe payments went up. No base Lease Credit on any wall model now.
Conditional incentives (loyalty, conquest, college grad, military) of $500–$1,000 each still stack on wall models, up to ~$2,000–$2,500 for qualifying buyers. The base program is unsubsidized, as it has been for months. The 0.00005 rate cut is real but trivial: a few dollars a month.
The 0.0024 Wall — July 2026 (5.76% APR)
No base Lease Credit on any wall model (the 2 Series Coupe $750 credit was removed in July). MF 0.0024 applies at 36mo/12K, Northeast region. Conditional incentives (loyalty, conquest, college grad, military) stack on top; typical max ~$2,000–$2,500 for qualifying buyers.
Wall Tax in Practice: 330i Sedan vs 430i Coupe
330i Sedan: MF 0.0009, $48,000 MSRP, $1,000 LC → ~$625/month. 430i Coupe: MF 0.0024, ~$55,000 MSRP, $0 LC, RV 53% → ~$920/month. Same brand. One body style up. ~$295/month more. The rate difference (0.0009 vs 0.0024) and the missing $1,000 LC account for essentially all of it.
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.
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–$1,500+ at signing.
- Cap cost = MSRP minus non-conditional lease credit. Every dollar negotiated off MSRP and every dollar of qualified cap-cost reduction lowers the payment directly.
- MF is the published buy-rate. Dealers can mark it up. Always verify the exact MF on your deal sheet before signing.
- Residuals applied to MSRP. Per BMW FS program sheets, 36mo/12K.
- Check eligibility for conditional incentives. Loyalty, conquest, college grad, and military incentives stack on top of base credits.
Data sourced from BMW Financial Services exactData, Northeast region, July 2026. Residuals and money factors change monthly.
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