BMW Lease Deals July 2026: Every Model Ranked
BMW's July lease programs are a near-carryover: the wall eased a touch, a new EV launched just beneath it, and next year's numbers opened worse than this year's.
July is a quiet month. BMW left almost the entire lineup unchanged from June. The only 2026 program move is the unsubsidized wall easing a hair, from MF 0.00245 to 0.0024 (5.88% to 5.76% APR), worth a couple dollars a month on the M cars and 4 Series. On the 2027 side the i5 rate got worse (0.0009 to 0.0016, 2.16% to 3.84% APR) and BMW launched the 2027 iX3 at 0.00220 (5.28% APR), a modest launch rate that still sits below the unsubsidized wall. The standouts held: the i4 at 0.84% APR and the 760i at 1.32% APR, both unchanged.
The real changes this month are small: (1) the unsubsidized wall eased from 0.00245 to 0.0024 (5.76% APR), a couple dollars a month cheaper on every wall car; (2) the 2027 i5 rate jumped to 3.84% APR, about $71/month more; and (3) BMW launched the 2027 iX3 at 5.28% APR with no lease credit. Everything else, the i4, 3 Series, 5 Series, 7 Series, 8 Series, X1 through X7, the 2026 i5, iX, and i7, carried its June rate, residual, and lease credit unchanged. Net, July is essentially flat.
0.84%
Best APR, i4 eDrive40
MF 0.00035 + $3,750 LC, unchanged 4th month
0.0024
Unsubsidized Wall MF
Eased from 0.00245, the only 2026 change
5.28%
iX3 (new 2027)
Launch rate, ~$1,000/mo, no lease credit
$7,500
Largest Lease Credit
iX / i7 / XM, unchanged, biggest cushion
July 2026 Lineup: A Quiet Month, Mostly Unchanged
BMW held nearly the entire program flat from June. The 5 Series ICE stayed at MF 0.0014 (3.36% APR), the 8 Series and X5 kept their $2,000 lease credits (unchanged, not cut), and the iX xDrive45 held at 0.00175 (4.20% APR). The single 2026 change is the unsubsidized wall easing from 0.00245 to 0.0024 (5.76% APR), which makes every wall car a couple dollars a month cheaper. The only meaningful rate hike this cycle is on the 2027 i5, which jumped to 0.0016 (3.84% APR).
What held: the i4 at 0.84% APR for a fourth month, the 760i at 1.32% APR, the 2026 i5 at 1.44% APR, the 330i at 2.16% APR, the 550e at 2.28% APR, and the 2026 X7 at 3.24% APR. The one new arrival is the 2027 iX3 xDrive50 at MF 0.00220 (5.28% APR) with $0 lease credit, a modest launch rate that sits just below the unsubsidized wall. On balance, July asks for nothing and offers nothing: if you liked a BMW lease in June, it is the same deal now.
| 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 | Unchanged, best 5-Series rate |
| 5 Series ICE (530i) | 0.0014 | 3.36% | 57% | $1,000 | Unchanged |
| X7 (2026) | 0.00135 | 3.24% | 52% | $1,000 | Unchanged |
| iX xDrive45 | 0.00175 | 4.20% | 52% | $7,500 | Unchanged |
| X5 (xDrive40i) | 0.00180 | 4.32% | 51% | $2,000 | Unchanged |
| 8 Series | 0.00210 | 5.04% | 52% | $2,000 | Unchanged |
| M cars / 4 Series / X2 / X6 / Z4 | 0.0024 | 5.76% | — | $0 | Eased slightly |
| iX3 xDrive50 (2027) | 0.00220 | 5.28% | 55% | $0 | New arrival |
*Pre-tax, 36mo/12K, Northeast region. Best RV shown for the listed trim. Data: BMW Financial Services, July 2026.
2 Series — Gran Coupes Steady; Coupes a Touch Cheaper
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 the one small program change: the wall MF eased from 0.00245 to 0.0024 (5.88% to 5.76% APR). There is no base Lease Credit on any 2 Series Coupe, in June or July, so the lower rate makes them a couple dollars a month cheaper, not more expensive. The 230i Coupe at $42,200 now runs ~$695/month, about $3 less 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 on every 2 Series, unchanged from June). Source: BMW FS program sheets; 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 with no lease credit, a hair cheaper this month after the MF eased. 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.
The 330i staying put at 2.16% APR is the point: it remains the most predictable BMW lease and still beats the Audi A4, Mercedes C300, and Genesis G70 on rate. In a flat month, there is 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 program sheets; MSRPs from June 2026 post.
Verdict — 3 Series
330i Sedan at ~$625/month remains the BMW lease benchmark, unchanged from June. Sign if the car fits. M340i at ~$849/month is a fair performance step-up if you want it.
5 Series — Unchanged; 550e PHEV Still the Best Rate
The 5 Series is unchanged from June. The ICE trims stay at MF 0.0014 (3.36% APR) on the 530i, 530i xDrive, and 540i xDrive, with $1,000 LC and 57% RV. The 530i Sedan at $60,500 runs ~$826/month; the 530i xDrive at $62,800 comes to ~$859; the 540i xDrive at $67,700 lands at ~$928. Same numbers as June.
The 550e PHEV has the best rate in the 5 Series at MF 0.00095 (2.28% APR), $1,000 LC, 57% RV, and it too is unchanged. It carries the highest sticker ($75,500) so the payment is ~$986/month, the priciest in the lineup, but on rate alone the PHEV beats the gas cars. If you are cross-shopping 540i vs 550e, the 550e is the better rate for more capability at about $58/month more.
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 program sheets; MSRPs from June 2026 post.
5 Series: No Change From June
The 2026 5 Series ICE has run MF 0.0014 (3.36% APR) in both June and July, with the same $1,000 credit and 57% residual. The 550e PHEV has held MF 0.00095 (2.28% APR) the whole time and remains the best rate in the 5 Series. Nothing about the 5 Series program moved this month.
Verdict — 5 Series
Flat month. At 3.36% APR the 2026 5 Series ICE is a mid-pack rate, so there is no urgency either way. The 550e 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. Skip the 2027, which is worse on both rate and credit.
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. BMW left the lineup essentially flat this month, and the 7 Series holding its March-level rates keeps it the best large luxury sedan lease on the market.
| 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 program sheets; 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 — Unchanged; Still a Weak Lease Near the Wall
The 8 Series is unchanged from June: MF 0.00210 (5.04% APR), $2,000 Lease Credit, 52% RV. The 840i Coupe at $90,000 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. Same as June.
The 8 Series is a weak lease at 5.04% APR, unchanged or not. 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 (unchanged from June). Source: BMW FS program sheets; MSRPs from June 2026 post.
The 8 Series Anomaly: More Money for a Cheaper Car
840i Coupe: MF 0.00210, $90,000 MSRP, $2,000 LC, 52% RV, ~$1,428/month. 740i Sedan: MF 0.0007, $99,300 MSRP, $2,000 LC, 52% RV, ~$1,373/month. The 7 Series costs $9,300 more but leases for $55/month less, because its rate is a third of the 8 Series rate. Both held flat from June.
Verdict — 8 Series
Skip it. 5.04% APR near the wall and ~$290/month in rent charge on the 840i, with a $2,000 credit that does not fix the rate. 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 program sheets; 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 — Both Unchanged From June
The X5 is unchanged from June: MF 0.00180 (4.32% APR), $2,000 Lease Credit, 51% RV. The X5 sDrive40i at $68,300 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 $89,050 runs ~$1,341/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 carries the same $89,050 sticker but a higher MF 0.0014 (3.36% APR) and no lease credit, so it runs ~$1,377/month, about $36 more than the 2026. On both rate and payment, 2026 wins.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| X5 — Unchanged | |||||
| 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) | $89,050 | 0.00135 | 3.24% | 52% | ~$1,341 |
| X7 M60i xDrive (2026) | $115,000 | 0.00135 | 3.24% | 52% | ~$1,740 |
| X7 xDrive40i (2027) | $89,050 | 0.0014 | 3.36% | 52% | ~$1,377 |
*Pre-tax, 36mo/12K, Northeast region. X5: cap = MSRP − $2,000 LC (unchanged from June). X7 2026: cap = MSRP − $1,000 LC. X7 2027: cap = MSRP only. Source: BMW FS program sheets; MSRPs from June 2026 post.
X5 + X7: No Change From June
Both the X5 and X7 carried their June rates, residuals, and lease credits into July. The 2026 X7 xDrive40i at 3.24% APR (~$1,341) remains the best three-row luxury SUV lease rate in the segment. The X5 xDrive40i holds at 4.32% APR (~$1,094) with its $2,000 credit.
Verdict — X5 + X7
X5 xDrive40i at ~$1,094/month is market-rate and unchanged from June. The X5 PHEV at 3.72% APR adds capability for ~$60/month over the base. 2026 X7 xDrive40i at 3.24% APR (~$1,341) is the best three-row SUV lease rate around and unchanged. The 2027 X7 has the same sticker but a worse rate and no credit, so it runs ~$36/month more.
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 program sheets; 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 flat month, the i4 remains the anchor of the lineup.
| 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 program sheets; 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 Flat; 2027 i5 Worse; New iX3 at 5.28% APR
The iX is unchanged from June. The xDrive45 holds at MF 0.00175 (4.20% APR), matching the xDrive60, with the $7,500 LC intact across all iX trims. The base iX xDrive45 at $75,150 runs ~$980/month. Oddly, the iX M70 carries the cheapest iX rate at MF 0.0011 (2.64% APR), ~$1,457/month on a $111,500 sticker. The volume trim runs the higher rate; the halo trim runs the lower one.
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 0.00220 (5.28% APR, the dealer buy rate) with $0 lease credit and 55% RV. That is a modest launch rate: below the unsubsidized wall (5.76%) but above the 8 Series (5.04%). At $62,850 MSRP it runs ~$1,000/month pre-tax. The rate carries some support, but with no cash credit and a first-year residual it is a mediocre lease next to the i4 or i5. Fine if you want the SAV, not a value play.
| Model / Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| iX — Unchanged | |||||
| 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 | 0.00220 | 5.28% | 55% | ~$1,000 |
*Pre-tax, 36mo/12K, Northeast region. iX/i7: cap = MSRP − $7,500 LC. i5: cap = MSRP − $3,750 LC. iX3: cap = MSRP, $0 LC; MF 0.00220 is the current launch dealer buy rate. Source: BMW FS program sheets; iX3 ($62,850 incl. destination), i7 M70 and i5 M60 MSRPs from KBB/TrueCar; other MSRPs from June 2026 post.
2027 i5 Rate Hike: June → July
The 2027 i5 eDrive40 jumped from MF 0.0009 (2.16% APR) to 0.0016 (3.84% APR), about $71/month worse at ~$971. This is the only EV rate that moved this month. The 2026 i5, the iX, and the i7 were all left unchanged, so the 2026 i5 eDrive40 at ~$849 stays well below the 2027 build.
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 holds at 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%. The new iX3 lands at 5.28% APR with no credit, a modest launch rate below the wall but nowhere near the i4 or i5. Fine if you want the SAV, not a value play.
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. None of these carries a base Lease Credit, in June or July, so the small rate cut makes every wall car a couple dollars a month cheaper. That is the whole story: a trivial, across-the-board improvement.
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 (unchanged from June). MF 0.0024 applies at 36mo/12K, Northeast region. Conditional incentives (loyalty, conquest, college grad, military) stack on top; typical max ~$2,000 to $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 program sheets 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, Northeast region, July 2026. Residuals and money factors change monthly.
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