My Take: As expected, the 5-Series did take a pretty significant jump on the money factor, making financing the lease loan significantly more expensive than last month. Is there an upside to all of this? Sort of. BMWFS introduced $2500 Holiday Cash for customers who finance through them, which isnt’ too bad. In this case the lower MF than the customer/dealer cash because the difference in the interest charge incurred in this month’s lease (compared to last month) will more than likely exceed $2500. Not to mention the fact that cash rebates are often taxed.
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2010 BMW 5-Series
2010 BMW 528i Sedan
24-month | 15k miles | residual 62% | .00245 base money factor
36-month | 15k miles | residual 58% | .00245 base money factor
48-month | 15k miles | residual 34% | .00245 base money factor
60-month | 15k miles | residual 28% | .00245 base money factor
2010 BMW 528i xDrive Sedan
24-month | 15k miles | residual 62% | .00245 base money factor
36-month | 15k miles | residual 58% | .00245 base money factor
48-month | 15k miles | residual 35% | .00245 base money factor
60-month | 15k miles | residual 29% | .00245 base money factor
2010 BMW 535i Sedan
24-month | 15k miles | residual 62% | .00240 base money factor
36-month | 15k miles | residual 58% | .00240 base money factor
48-month | 15k miles | residual 32% | .00245 base money factor
60-month | 15k miles | residual 27% | .00245 base money factor
2010 BMW 535i xDrive Sedan
24-month | 15k miles | residual 62% | .00245 base money factor
36-month | 15k miles | residual 58% | .00245 base money factor
48-month | 15k miles | residual 34% | .00245 base money factor
60-month | 15k miles | residual 28% | .00245 base money factor
2010 BMW 535i xDrive Sport Wagon
24-month | 15k miles | residual 56% | .00235 base money factor
36-month | 15k miles | residual 52% | .00235 base money factor
48-month | 15k miles | residual 30% | .00245 base money factor
60-month | 15k miles | residual 25% | .00245 base money factor
2010 BMW 550i Sedan
24-month | 15k miles | residual 61% | .00225 base money factor
36-month | 15k miles | residual 57% | .00225 base money factor
48-month | 15k miles | residual 29% | .00245 base money factor
60-month | 15k miles | residual 24% | .00245 base money factor
2010 BMW M5 Sedan
24-month | 15k miles | residual 59% | .00230 base money factor
36-month | 15k miles | residual 55% | .00230 base money factor
48-month | 15k miles | residual 29% | .00245 base money factor
60-month | 15k miles | residual 23% | .00245 base money factor
My Take: High residual values make the MINI a fairly good lease despite the higher than average money factor. Just make sure you don’t opt to buyout the lease at the end of your term and you should be fine. Despite the lower MF on the S, the Base model is the better value since the S model’s residual value is 5% lower than the Base. The good news about the S is that it’s a cheaper lease than last month.
My Take: Q5 and Q7 numbers got worse overall, but not by much. AFS didn’t lower the MF enough to compensate for the drop in residual value; therefore, you will probably pay a few bucks more this month compared to last. I’m not seeing any cash on the Q5 or the Q7, but the usual 2.9% and 3.9% APR loans for purchasing are available. If I where shopping for a Q5 right now, I would probably go with the Q5 Premium Plus, 36-month, 12k miles per year, AudiCare (to add 1% to residual). That would put me at 50% residual @ 0.00105 or 2.52% APR. Not bad, cheaper than most auto loans rought now. I don’t think MSDs would be necessary, but an aggressive sale price will be in order to keep things low. Close or at invoice is what I would aim for since Audi does not have holdbacks and there is no dealer/customer cash anywhere in sight. As for the Q7. I would personally go with the TDI Premium Plus on the following terms: 36-month, 12k miles per year, AudiCare. In addition, I would drop some multiple security deposits to bring down the MF further. Q7s are thristy trucks, so opting for the TDI would be wiser in my opinion. If you don’t care about the fancy bells and whistles on the Premium Plus, you can also opt for the Premium which will boost your residual 3% and lower your payments significantly.
My Take: Not reall feeling the rest of the 2010 MB line up. Either the residuals are too