BMW Lease Deals March 2026: Every Model Ranked
i4 eDrive40 at 0.84% APR (MF 0.00035) — $31/month in rent charges on a $59K BMW. 550e xDrive PHEV matches the 540i xDrive payment dollar-for-dollar despite a $7,700 higher sticker. 760i xDrive at 1.32% APR. 4 Series, M cars, X2, Z4, and X6 all stuck at 5.16% APR with zero Lease Credit. Binary program: subsidized or wall, no in-between.
BMW Financial Services runs a binary program in March 2026. There's a subsidized lineup — the 3 Series, 5 Series, 7 Series, X1, X3, X5, X7, i4, i5, iX, and i7 — and then there's MF 0.00215 (5.16% APR), the unsubsidized floor applied identically to every 2 Series Coupe (230i, m240i), 4 Series, X2, X6, Z4, and M car in the lineup. No variation. No trim-level breaks. If your model hits the wall, the number is 0.00215 and there's no Lease Credit to soften it. One note: the 2 Series Gran Coupe (228) runs MF 0.00095 (2.28% APR) — subsidized rate, but no Lease Credit.
On the subsidized side, the i4 eDrive40 and xDrive40 run MF 0.00035 — 0.84% APR with a $3,750 Lease Credit. The rent charge on a $59,250 BMW at that rate is $31/month. The 5 Series has a counterintuitive story: the 550e xDrive PHEV at $76,250 matches the 540i xDrive at $68,550 payment-for-payment — $943 vs $940 — because BMW FS's lower MF (0.00075 vs 0.00140) and extra $1,000 Lease Credit absorb the entire $7,700 MSRP gap.
0.84%
i4 eDrive40 / xDrive40 APR
MF 0.00035 + $3,750 Lease Credit
$7,500
iX + i7 Lease Credit
Largest base incentive in lineup
1.32%
760i xDrive APR
MF 0.00055 — flagship ICE rate
0.00215
M cars / 4 Series / X2 / Z4 / X6
5.16% APR, no Lease Credit
Jump to section:
March 2026 Lineup: The Subsidized and the Wall
BMW Financial Services divides its March programs cleanly. Every model gets either a rate below 0.00215 or sits exactly at 0.00215 — there's no in-between. The subsidized models also receive a "Lease Credit" (flat cap cost reduction from BMW FS) that unsubsidized models do not. One exception: the 8 Series runs near-market MF 0.00210 but still carries $5,000 in Lease Credit, making it a special case worth noting separately.
| Model | Best MF (36mo) | Best APR | Best RV (12K) | Lease Credit | Verdict |
|---|---|---|---|---|---|
| i4 | 0.00035 | 0.84% | 55% | $3,750 | Best rate in lineup |
| 3 Series | 0.00090 | 2.16% | 56% | $1,000 | 330i: lease it |
| 2 Series Gran Coupe | 0.00095 (228) | 2.28% | 56% | $0 | Near-3-Series rate; no LC |
| 5 Series | 0.00075 (550e) | 1.80% | 57% | $1,000–$2,000 | 550e matches 540i payment |
| 7 Series | 0.00055 (760i) | 1.32% | 52% | $2,000–$3,000 | Rate real; RV weak |
| iX | 0.00045 (M70) | 1.08% | 52% | $7,500 | xDrive45 best value |
| i7 | 0.00100 | 2.40% | 52% | $7,500 | Heavy credit helps |
| i5 | 0.00060 | 1.44% | 52% | $3,750 | Reasonable |
| X1 | 0.00170 | 4.08% | 55% | $1,000 | Market rate for class |
| X3 | 0.00170 | 4.08% | 56% | $1,000 | Market rate for class |
| X5 | 0.00165 (50e) | 3.96% | 51% | $1,000 | 51% RV hurts |
| X7 | 0.00135 | 3.24% | 52% | $0 | No Lease Credit |
| 2 Series Coupe / 4 Series / X2 / X6 / Z4 / M cars | 0.00215 | 5.16% | varies | $0 | No subsidy |
| 8 Series | 0.00210 | 5.04% | 52% | $5,000 | Credit-only deal |
MF × 2400 = approximate APR. Lease Credit is BMW FS base incentive (non-conditional) applied to cap cost. Data from BMW Financial Services Northeast rate sheets, March 2026. Conditional incentives (loyalty, conquest, etc.) are additional and vary by buyer eligibility.
2 Series — Gran Coupe Gets 2.28%; Every Coupe Hits the Wall
The 2 Series splits into two completely different lease programs. The Gran Coupe variants (228i, M235i xDrive) run MF 0.00095 (2.28% APR) — a subsidized rate close to the 3 Series — but with no Lease Credit. The Coupe variants (230i, M240i) hit the 0.00215 floor at 5.16% APR, also with no Lease Credit. Same model family, completely different rate structures.
The comparison to adjacent models is telling: the 228 Gran Coupe at ~$559/month vs the 330i Sedan at ~$644/month — the 3 Series costs $85/month more but comes with a $1,000 Lease Credit and a larger car. On the Coupe side, the M240i xDrive at ~$917/month costs more than the M340i xDrive at ~$896/month, despite being a less capable car — purely because it's at 5.16% APR with no credit while the M340i sits at 2.88% APR with $1,000 LC.
| 2 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 228i Gran Coupe | $40,775 | 0.00095 | 2.28% | 56% | ~$559 |
| 228i xDrive Gran Coupe | $42,775 | 0.00095 | 2.28% | 56% | ~$586 |
| M235i xDrive Gran Coupe | $50,675 | 0.00095 | 2.28% | 56% | ~$695 |
| 230i Coupe | $43,550 | 0.00215 | 5.16% | 54% | ~$701 |
| 230i xDrive Coupe | $41,350 | 0.00215 | 5.16% | 54% | ~$665 |
| M240i Coupe | $53,000 | 0.00215 | 5.16% | 54% | ~$853 |
| M240i xDrive Coupe | $57,000 | 0.00215 | 5.16% | 54% | ~$917 |
*Pre-tax, 36mo/12K, cap = MSRP (no Lease Credit on any 2 Series). Gran Coupe MF 0.00095; Coupe MF 0.00215. MSRPs from BMW FS March 2026 rate file.
2 Series Verdict
The Gran Coupe is the entry-level BMW lease — 228i at ~$559/month is the cheapest way into a new BMW sedan — but it carries no Lease Credit where the 3 Series gets $1,000. The Coupe variants are poor value: at 5.16% APR with no credit, the M240i xDrive at ~$917/month costs more than the M340i xDrive at ~$896/month despite being a less capable car in a smaller body. On the Coupe side, the 3 Series or 4 Series offer better structural deals at similar or lower monthly costs.
3 Series — Best ICE Rate in the BMW Lineup
The 330i Sedan runs MF 0.00090 (2.16% APR) — the lowest money factor on any BMW ICE model this month. With $1,000 in Lease Credit and a 56% residual, the $49,350 sedan comes out to ~$644/month pre-tax. That's the entry price for a subsidized BMW sedan with a real rate advantage over the brand's own market-rate floor.
The M340i variants get a slightly higher MF of 0.00120 (2.88% APR) — the same $1,000 Lease Credit, same 56% residual. On the M340i xDrive Sedan ($65,650), the payment climbs to ~$896/month: higher MSRP and rate versus the 330i's $644. The rate is still well below the 0.00215 floor, but the M340i is a $252/month step over the base 330i.
Note: the 228 Gran Coupe runs MF 0.00095 (2.28% APR) — similar to the 330i — but carries no Lease Credit. On an equivalent cap cost, the 3 Series is the better lease structure: same rate neighborhood, plus $1,000 that the 2 Series Gran Coupe doesn't get.
| 3 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 330i Sedan | $49,350 | 0.00090 | 2.16% | 56% | ~$644 |
| 330i xDrive Sedan | $51,350 | 0.00090 | 2.16% | 56% | ~$671 |
| M340i Sedan | $63,650 | 0.00120 | 2.88% | 56% | ~$868 |
| M340i xDrive Sedan | $65,650 | 0.00120 | 2.88% | 56% | ~$896 |
*Pre-tax, 36mo/12K, cap = MSRP − $1,000 Lease Credit. MSRPs from BMW FS March 2026 rate file. Conditional incentives (loyalty, conquest, college grad, military) not included — see payment assumptions.
3 Series Verdict
The 330i Sedan at ~$644/month is the value entry point for the subsidized BMW sedan lineup. The 2.16% APR is the lowest on any ICE BMW this month. The M340i is a meaningful step-up — $252 more per month on the xDrive for a real power and handling difference. All 3 Series trims share the same 56% residual, so trim choice comes down entirely to MSRP and rate.
5 Series — The 550e PHEV Absorbs Its Own Premium
The 530i, 530i xDrive, and 540i xDrive all run MF 0.00140 (3.36% APR) with a $1,000 Lease Credit and 57% residual. The 540i xDrive at $68,550 hits ~$940/month.
The 550e xDrive plug-in hybrid tells an interesting story. It runs MF 0.00075 (1.80% APR) — nearly half the rate of the standard 5 Series — and gets $2,000 in Lease Credit versus $1,000. The result: the 550e xDrive at $76,250 MSRP produces ~$943/month, while the 540i xDrive at $68,550 costs ~$940/month. They are essentially tied — $3 apart — despite a $7,700 sticker gap. BMW FS's rate subsidy and extra Lease Credit absorb the entire MSRP premium.
| 5 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 530i Sedan | $61,950 | 0.00140 | 3.36% | 57% | ~$847 |
| 530i xDrive Sedan | $64,250 | 0.00140 | 3.36% | 57% | ~$879 |
| 540i xDrive Sedan | $68,550 | 0.00140 | 3.36% | 57% | ~$940 |
| 550e xDrive Sedan (PHEV) | $76,250 | 0.00075 | 1.80% | 57% | ~$943 |
*Pre-tax, 36mo/12K, cap = MSRP − Lease Credit ($1,000 for 530i/530i xDrive/540i xDrive; $2,000 for 550e xDrive). MSRPs from BMW FS March 2026 rate file.
550e xDrive vs 540i xDrive — the rate gap, quantified
The 550e's 1.80% APR versus the 540i's 3.36% saves $61/month in rent charges. But the $7,700 MSRP gap adds ~$64/month in extra depreciation. Net result: the 550e costs $3/month more despite the higher sticker. If you want a 5 Series, the 550e delivers PHEV range and power at essentially the same monthly cost as the V6.
5 Series Verdict
The 550e xDrive is the 5 Series lease — not because it's cheaper, but because BMW FS's rate subsidy fully absorbs a $7,700 MSRP premium. You pay $3/month more for a plug-in hybrid with more power than the standard V6. The 530i is the baseline if you need the lower entry price. The 540i xDrive sits in the worst position: same 3.36% rate as the cheaper 530i, and virtually identical payment to the more capable 550e PHEV above it.
7 Series — Real Rate Subsidies on a Flagship
The 740i runs MF 0.00070 (1.68% APR) with $2,000 in Lease Credit. On a $100,850 sedan, the rent charge is ~$106/month — that's 1.68% on a six-figure car. BMW FS is using a genuine rate subsidy to move the flagship sedan, not just throwing cash at it. The 760i xDrive gets the best rate in the ICE lineup at MF 0.00055 (1.32% APR), also with $2,000 Lease Credit. At $126,250 MSRP the payment is ~$1,732, but the rent charge is only ~$104/month — BMW is charging essentially nothing to finance a $124K vehicle.
The 750e xDrive plug-in hybrid runs MF 0.00105 (2.52% APR) with $3,000 in Lease Credit — the highest base Lease Credit in the 7 Series lineup. Same 52% residual as the other 7 Series variants. The 52% RV across the entire 7 Series is the main drag on payments; the rate subsidies are significant but a 52% residual on a $100K+ car means you're paying to depreciate nearly half the vehicle over 36 months.
| 7 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 740i Sedan | $100,850 | 0.00070 | 1.68% | 52% | ~$1,395 |
| 740i xDrive Sedan | $103,850 | 0.00070 | 1.68% | 52% | ~$1,438 |
| 760i xDrive Sedan | $126,250 | 0.00055 | 1.32% | 52% | ~$1,732 |
| 750e xDrive PHEV | $111,550 | 0.00105 | 2.52% | 52% | ~$1,579 |
*Pre-tax, 36mo/12K, cap = MSRP − Lease Credit ($2,000 for 740i / 760i; $3,000 for 750e). MSRPs from BMW FS March 2026 rate file.
7 Series Verdict
The 740i at ~$1,395/month is the flagship lease entry point with a legitimate rate subsidy. The 760i's 1.32% APR is the best ICE rate BMW offers this month, but the $126K MSRP and 52% RV mean you're depreciation-financing a very expensive car regardless of how little BMW charges to finance it. If the 7 Series is in budget, the 740i RWD is the value configuration this month. The 52% residual is the ceiling on how good any 7 Series lease can be.
8 Series — $5,000 Lease Credit on Every Body Style
The 8 Series is the Wall exception. It runs near-market MF 0.00210 (5.04% APR) — just one tick below the 0.00215 floor — but carries $5,000 in Lease Credit on every body style: Coupe, Gran Coupe, and Convertible, in both 840i and M850i xDrive trim. Without the credit, the 840i Coupe at $90,000 MSRP would be ~$1,487/month; the $5,000 LC spreads over 36 months and saves ~$149/month. It's not a rate deal — it's a credit deal.
The 840i xDrive Convertible and M850i xDrive Gran Coupe produce identical payments (~$1,627/month) despite near-identical MSRPs ($107,500 vs $107,475) — because the $25 MSRP gap happens to produce equal rounded payments at this MF and 52% residual. All 8 Series share the same 52% residual. If you need a flagship coupe with a large body, the 840i xDrive Gran Coupe at ~$1,487/month offers the best payment structure: AWD, 4-door, widest MSRP coverage.
| 8 Series Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 840i Coupe | $90,000 | 0.00210 | 5.04% | 52% | ~$1,338 |
| 840i Gran Coupe | $91,975 | 0.00210 | 5.04% | 52% | ~$1,371 |
| 840i xDrive Coupe | $93,000 | 0.00210 | 5.04% | 52% | ~$1,387 |
| 840i xDrive Gran Coupe | $99,050 | 0.00210 | 5.04% | 52% | ~$1,487 |
| 840i Convertible | $104,500 | 0.00210 | 5.04% | 52% | ~$1,578 |
| 840i xDrive Convertible | $107,500 | 0.00210 | 5.04% | 52% | ~$1,627 |
| M850i xDrive Coupe | $105,000 | 0.00210 | 5.04% | 52% | ~$1,586 |
| M850i xDrive Gran Coupe | $107,475 | 0.00210 | 5.04% | 52% | ~$1,627 |
| M850i xDrive Convertible | $116,000 | 0.00210 | 5.04% | 52% | ~$1,768 |
*Pre-tax, 36mo/12K, cap = MSRP − $5,000 Lease Credit. All 8 Series at MF 0.00210 (5.04% APR) — near-market rate but $5,000 base Lease Credit on every body style. MSRPs from BMW FS March 2026 rate file. GKL Loyalty Credit adds $2,000 for eligible buyers.
8 Series Verdict
Credit-only deal. The $5,000 LC is the story, not the rate — 0.00210 is barely below the 0.00215 wall and not a meaningful rate subsidy. If you're buying into a BMW flagship coupe, the 840i xDrive Gran Coupe at ~$1,487/month is the best structure: broad MSRP coverage, full AWD, 4-door Gran Coupe body. The M850i adds $100–300/month for more power across each body style. GKL loyalty buyers can stack $2,000 additional credit on top.
X1 + X3 — Both at 4.08% APR, Both with $1,000 Lease Credit
The X1 xDrive28i and X3 30 xDrive share an identical program structure: MF 0.00170 (4.08% APR) and $1,000 Lease Credit. Neither is subsidized aggressively — 4.08% APR is market rate for premium compact and midsize SAVs — but both sit below the 0.00215 floor and get the base Lease Credit. The residuals differ by one point: X1 at 55%, X3 at 56%.
The X1 xDrive28i at $44,150 produces ~$639/month. The X3 30 xDrive at $52,250 comes in at ~$748/month — a $109/month step for a larger, more capable SAV. The M35i variants on both models carry the same MF (0.00170) and the same Lease Credit, so the premium over the base is entirely driven by MSRP.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| X1 xDrive28i | $44,150 | 0.00170 | 4.08% | 55% | ~$639 |
| X1 M35i | $53,250 | 0.00170 | 4.08% | 55% | ~$776 |
| X3 30 xDrive | $52,250 | 0.00170 | 4.08% | 56% | ~$748 |
| X3 M50 xDrive | $67,250 | 0.00170 | 4.08% | 56% | ~$971 |
*Pre-tax, 36mo/12K, cap = MSRP − $1,000 Lease Credit. MSRPs from BMW FS March 2026 rate file.
X5 + X7 — 51% Residual Is the Problem
The X5 xDrive40i runs MF 0.00180 (4.32% APR) with $1,000 Lease Credit. At $71,350 MSRP, the payment is ~$1,136/month. The rate is below the 0.00215 floor, but the 51% residual is the limiting factor — you're depreciating ~$943/month on a $70K cap cost. The X5 xDrive50e PHEV gets MF 0.00165 (3.96% APR), slightly lower, but with a 50% residual and higher MSRP, it actually costs more per month (~$1,225) than the xDrive40i (~$1,136). Unlike the 5 Series where the PHEV rate break neutralizes the premium, the X5 PHEV's RV drop and higher cap cost win.
The X7 xDrive40i gets MF 0.00135 (3.24% APR) — the same strong rate as the X7 M60i — but carries no Lease Credit at all. No $1,000 incentive, no cash. The rate alone at $89,050 MSRP puts the X7 at ~$1,370/month. The X7 M60i at $116,550 hits ~$1,793/month, same rate, just more car.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| X5 sDrive40i | $69,050 | 0.00180 | 4.32% | 51% | ~$1,098 |
| X5 xDrive40i | $71,350 | 0.00180 | 4.32% | 51% | ~$1,136 |
| X5 xDrive50e (PHEV) | $76,650 | 0.00165 | 3.96% | 50% | ~$1,225 |
| X5 M60i | $94,050 | 0.00180 | 4.32% | 51% | ~$1,506 |
| X7 xDrive40i | $89,050 | 0.00135 | 3.24% | 52% | ~$1,370 |
| X7 M60i | $116,550 | 0.00135 | 3.24% | 52% | ~$1,793 |
*Pre-tax, 36mo/12K, cap = MSRP − $1,000 Lease Credit (X5 only; X7 has no Lease Credit). MSRPs from BMW FS March 2026 rate file.
X5 / X7 Note
The X5's 51% residual is the main constraint. No matter how BMW prices the rate, you're depreciating the vehicle at roughly $912–$943/month before rent charges on the sDrive/xDrive40i. The X5 xDrive50e PHEV is the exception to the 550e pattern: here the PHEV's lower residual (50% vs 51%) and higher MSRP mean the rate break doesn't save money — it costs $89/month more than the xDrive40i. The X7 gets a genuinely good 3.24% rate but no Lease Credit, so you're starting from full MSRP with no cap reduction.
i4 — 0.84% APR, Best Rate in the BMW Lineup
The i4 eDrive40 and xDrive40 run MF 0.00035 — 0.84% APR. With $3,750 in Lease Credit, this is the strongest lease program on any BMW under $75K. The rent charge on the i4 eDrive40 ($59,250) after the Lease Credit is $31/month. For reference, the same car at the 0.00215 floor would cost $188/month in rent charges — the subsidized rate saves $157/month in financing cost alone.
The i4 M60 Gran Coupe gets the same $3,750 Lease Credit but a higher MF of 0.00085 (2.04% APR). Same RV tier (54%). The M60 at $72,050 hits ~$908/month — $224 more than the eDrive40 at $684, driven by the $12,800 MSRP gap and higher rate.
| i4 Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| eDrive40 Gran Coupe | $59,250 | 0.00035 | 0.84% | 54% | ~$684 |
| xDrive40 Gran Coupe | $63,650 | 0.00035 | 0.84% | 55% | ~$725 |
| M60 Gran Coupe | $72,050 | 0.00085 | 2.04% | 54% | ~$908 |
*Pre-tax, 36mo/12K, cap = MSRP − $3,750 Lease Credit. MSRPs from BMW FS March 2026 rate file.
i4 eDrive40 — Sample Payment (36-month / 12K miles)
The rent charge — the cost of financing — is $31/month. At MF 0.00215, the same car would carry $188/month in rent charges. The 0.00035 MF saves $157/month in finance cost alone on this vehicle.
i4 Verdict
The eDrive40 and xDrive40 are the strongest lease structure in the BMW lineup this month. 0.84% APR plus $3,750 in Lease Credit on a Gran Coupe body style. The xDrive40 at $725/month adds AWD and one residual point for $41/month. The M60 carries the same Lease Credit but a higher MF — the performance premium shows up as a $224/month payment gap versus the eDrive40.
iX + i7 + i5 — $7,500 Lease Credit for iX and i7; $3,750 for i4/i5
The iX and i7 both carry $7,500 in Lease Credit — the largest base incentive in the BMW lineup. The iX xDrive45 at $76,600 less $7,500 produces a cap of $69,100, and with MF 0.00080 (1.92% APR) the payment is ~$900/month. That's a competitive number for a midsize luxury electric SUV at that MSRP.
The iX M70 has the lowest MF in the entire BMW lineup at MF 0.00045 (1.08% APR) — lower even than the iX xDrive45's 0.00080. But at $112,950 MSRP, the rent charge savings are relatively small: the M70 pays ~$74/month in rent versus ~$87/month for the xDrive45. The M70 costs ~$1,372/month — $472 more than the xDrive45 — because you're depreciating ~$36K more MSRP, not because of the rate.
The i5 eDrive40 runs MF 0.00060 (1.44% APR) with $3,750 Lease Credit. At $68,550, the payment is ~$870/month. The i5 M60 performance variant runs a higher MF 0.00135 (3.24% APR) with the same $3,750 Lease Credit — at $84,100 MSRP the payment is ~$1,185/month. The i7 M70 gets MF 0.00170 (4.08% APR) with $7,500 Lease Credit; at $168,500 MSRP the payment is a striking ~$2,461/month. All i5, iX, and i7 variants share the same 52% residual — BMW's EV residuals are uniformly conservative, which limits how good these leases can get regardless of rate.
| EV Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| i5 eDrive40 Sedan | $68,550 | 0.00060 | 1.44% | 52% | ~$870 |
| i5 xDrive40 Sedan | $71,550 | 0.00060 | 1.44% | 52% | ~$913 |
| iX xDrive45 | $76,600 | 0.00080 | 1.92% | 52% | ~$900 |
| iX xDrive60 | $89,950 | 0.00090 | 2.16% | 52% | ~$1,107 |
| iX M70 | $112,950 | 0.00045 | 1.08% | 52% | ~$1,372 |
| i7 eDrive50 Sedan | $107,250 | 0.00100 | 2.40% | 52% | ~$1,377 |
| i7 xDrive60 Sedan | $125,750 | 0.00100 | 2.40% | 52% | ~$1,652 |
| i5 M60 Sedan | $84,100 | 0.00135 | 3.24% | 52% | ~$1,185 |
| i7 M70 Sedan | $168,500 | 0.00170 | 4.08% | 52% | ~$2,461 |
*Pre-tax, 36mo/12K, cap = MSRP − Lease Credit ($3,750 for i5 eDrive40/xDrive40/M60; $7,500 for iX and i7 all variants including M70). MSRPs from BMW FS March 2026 rate file.
The 0.00215 Wall — 2 Series Coupe, 4 Series, X2, X6, X5 M, X6 M, X7 Alpina, Z4, and Every M Car
BMW Financial Services applies MF 0.00215 (5.16% APR) uniformly to the 2 Series Coupe (230i, m240i — not the Gran Coupe), the 4 Series (every body style and powertrain), X2, X6, Z4, M2, M3, M4, and M5. There is no Lease Credit on any of these models. The conditional incentives vary — M4 gets up to $7,000 in conditional stacking, M2 up to $4,000 — but the base program is full market rate, no cap cost assistance.
The practical consequence: the 230i Coupe at $43,550 costs ~$701/month — $134/month more than the 228 Gran Coupe at ~$559/month, because the Coupe gets 5.16% APR while the Gran Coupe gets 2.28% APR. A 430i Coupe at $54,650 costs ~$893/month — more per month than the 330i Sedan at $644, on a less capable car, because the 4 Series gets 5.16% APR while the 3 Series gets 2.16% APR. The M3 Base Sedan at $79,750 hits ~$1,263/month with zero Lease Credit. The M4 Competition xDrive at $92,850 is ~$1,470/month. If conditional incentives apply (loyalty, conquest), those numbers come down — but only for eligible buyers.
| Model | MSRP | MF | RV (36/12K) | Lease Credit | ~Monthly* |
|---|---|---|---|---|---|
| 230i Coupe | $43,550 | 0.00215 | 54% | $0 | ~$701 |
| 230i xDrive Coupe | $41,350 | 0.00215 | 54% | $0 | ~$665 |
| M240i Coupe | $53,000 | 0.00215 | 54% | $0 | ~$853 |
| M240i xDrive Coupe | $57,000 | 0.00215 | 54% | $0 | ~$917 |
| 430i Gran Coupe | $52,675 | 0.00215 | 53% | $0 | ~$861 |
| 430i Coupe | $54,650 | 0.00215 | 53% | $0 | ~$893 |
| 430i xDrive Coupe | $55,300 | 0.00215 | 53% | $0 | ~$904 |
| 430i xDrive Gran Coupe | $54,675 | 0.00215 | 53% | $0 | ~$894 |
| 430i Convertible | $59,300 | 0.00215 | 53% | $0 | ~$969 |
| 430i xDrive Convertible | $61,300 | 0.00215 | 53% | $0 | ~$1,002 |
| M440i Gran Coupe | $64,400 | 0.00215 | 53% | $0 | ~$1,053 |
| M440i xDrive Gran Coupe | $66,400 | 0.00215 | 53% | $0 | ~$1,085 |
| M440i Coupe | $67,100 | 0.00215 | 53% | $0 | ~$1,097 |
| M440i xDrive Coupe | $67,050 | 0.00215 | 53% | $0 | ~$1,096 |
| M440i Convertible | $73,100 | 0.00215 | 53% | $0 | ~$1,195 |
| M440i xDrive Convertible | $75,100 | 0.00215 | 53% | $0 | ~$1,228 |
| X2 xDrive28i | $46,050 | 0.00215 | 54% | $0 | ~$741 |
| X2 M35i | $55,250 | 0.00215 | 54% | $0 | ~$889 |
| X5 M Competition AWD | $130,875 | 0.00215 | 51% | $0 | ~$2,206 |
| X6 xDrive40i | $76,400 | 0.00215 | 51% | $0 | ~$1,288 |
| X6 M60i | $98,350 | 0.00215 | 51% | $0 | ~$1,658 |
| X6 M Competition | $133,275 | 0.00215 | 51% | $0 | ~$2,247 |
| X7 Alpina XB7 | $157,550 | 0.00215 | 43% | $0 | ~$2,979 |
| Z4 sDrive30i | $56,100 | 0.00215 | 53% | $0 | ~$917 |
| Z4 M40i | $68,400 | 0.00215 | 53% | $0 | ~$1,118 |
| M2 Coupe | $68,200 | 0.00215 | 54% | $0 | ~$1,097 |
| M2 CS Coupe | $99,950 | 0.00215 | 42% | $0 | ~$1,915 |
| M3 Sedan | $79,750 | 0.00215 | 55% | $0 | ~$1,263 |
| M3 Competition Sedan | $83,950 | 0.00215 | 55% | $0 | ~$1,329 |
| M3 Competition xDrive Sedan | $89,050 | 0.00215 | 55% | $0 | ~$1,412 |
| M4 Coupe | $83,550 | 0.00215 | 55% | $0 | ~$1,323 |
| M4 Competition Coupe | $87,750 | 0.00215 | 55% | $0 | ~$1,389 |
| M4 Competition xDrive | $92,850 | 0.00215 | 55% | $0 | ~$1,470 |
| M4 Competition xDrive Convertible | $99,750 | 0.00215 | 55% | $0 | ~$1,579 |
| M5 Sedan | $119,500 | 0.00215 | 56% | $0 | ~$1,861 |
| M5 Touring | $125,350 | 0.00215 | 56% | $0 | ~$1,952 |
| 840i xDrive Gran Coupe (exception) | $99,050 | 0.00210 | 52% | $5,000 | ~$1,487 |
*Pre-tax, 36mo/12K, cap = MSRP − Lease Credit (all $0 except 8 Series: $5,000). All models at MF 0.00215 except 8 Series (0.00210). M2 CS has 42% RV (limited edition). MSRPs from BMW FS March 2026 rate file. M2 CS, M3 Competition, M4 variants, M5 Touring, X2 M35i, X6 M60i, X7 Alpina MSRPs from BMW FS rate file data.
0.00215 Wall — What It Means
BMW FS does not subsidize M cars, the 4 Series, X2, X6, X5 M, X6 M, X7 Alpina, or Z4 this month. The 8 Series is the one exception: near-market MF 0.00210 but with $5,000 in Lease Credit applied to the cap — a credit-only deal, not a rate deal. The X7 Alpina XB7 stands out with a brutal 43% residual at 0.00215, driving a ~$2,979/month payment on a $157,550 MSRP. The M2 CS also has a 42% RV (limited edition). If you're set on a Wall model, conditional incentives (loyalty, conquest) are the only tools available — up to $7,000 on M4, up to $4,000 on M2. Verify your eligibility before assuming the sticker payment is what you'll pay.
Payment Calculation Assumptions
- 36-month / 12,000-mile term. All payments shown are for 36-month leases at 12,000 miles/year. Different terms or mileage tiers will produce different residuals and payments.
- Pre-tax payments only. No sales tax, acquisition fee, registration, or doc fee included. Add your state's applicable taxes and fees for a true monthly cost.
- Cap cost = MSRP minus Lease Credit only. Conditional incentives (loyalty, conquest, college grad, military, etc.) are not included in any payment shown. These vary significantly by buyer eligibility — loyalty and conquest bonuses on models like the 7 Series and i7 can reach thousands of dollars and materially reduce payments for qualifying buyers.
- No negotiated discount. Payments assume MSRP as cap cost before the Lease Credit. Any dealer discount below MSRP directly reduces the payment.
- Northeast region data. Money factors and residuals are from BMW Financial Services Northeast rate sheets. Programs vary by region — confirm your specific zip code's program with your dealer before signing.
- No acquisition fee included. BMW FS charges a $925 acquisition fee. This is typically paid at signing (drive-off) or rolled into cap cost, adding approximately $26/month if capitalized. Not included in the payment figures shown.
- Pre-pay MF reduction. All BMW models carry an optional single-pay lease MF reduction of −0.0005. If you pre-pay the entire lease upfront, the borrowing rate is 0.0005 lower. This does not affect monthly payment calculations.
- MSRPs from BMW FS rate file data. MSRP figures are sourced from BMW Financial Services March 2026 rate file data. Your actual cap cost will depend on the specific vehicle's window sticker and any negotiated discount.
Money factor, residual, and Lease Credit data from BMW Financial Services Northeast rate sheets (March 2026). MSRP figures from BMW Financial Services March 2026 rate file. Deals expire March 31, 2026.
Know before you sign.
Upload your dealer quote and we'll verify the money factor, residual, and incentives match the published program — instantly.