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Thanks To Inflated Residuals, Lease A BMW 528i For $398/Month ($0 Down + 7 MSD)

2016 BMW 5-series (Source:

2016 BMW 5-series (Source:

BMW Financial Services bumped up their residual values for 5-series this July. Combine the newly fortified residuals with generous dealer discounts and a reasonable money factor, and you've got yourself an excellent deal. Here's what you need to know.

Current Lease Program - Valid Through August 31, 201

The cost of leasing a particular car is determined by its lease program, which is set by the manufacturer, and the selling price, which is set by the dealer. Here is BMW Financial Services's current lease program for 2016 5-series assuming top tier credit:

BMW 5-series Lease Porgram
Months Residual MF
24 Months 73% .00137
36 Months 67% .00137

*Residuals indicated are for 10,000 miles per year. Use the calculator below to adjust for annual mileage.

BMW FS offers a Multiple Security Deposit (MSD) program, which can reduce the money factor to as low as .00088 (2.1% APR). There are also a number of targeted BMW incentives that some shoppers may qualify for: $1,000 Recent Grad Bonus Cash, $1,500 and .00020 MF Corporate Fleet Discount, and $1,000 BMW CCA rebate.

Selling Price

A nicely-equipped 2016 528i has an MSRP of $53,795. According to several sources, the average discount on 5-series in Southern California is 11% off MSRP. Your selling price will vary depending on location, available inventory, and other factors.

Putting It Together

Use the lease calculator below to customize your own inputs, such as annual mileage and selling price. Here's a sample deal of a 2016 528i ($53,795 MSRP) assuming a selling price of $46,800 (13% off MSRP), seven security deposits, and excellent credit.

% off MSRP
I want to pay my acquisition fee upfront.
Residual (%) at miles/yr
APR: %
Enroll in Mercedes-Benz Autopay to lower the MF by 0.00010
GM One-pay Lease: I want to lower the MF by 0.00073 by paying everything upfront.
GM Acquisition Waiver: waive the acquisition fee by raising the MF by 0.00055.
APR: %
Tax is levied on the monthly lease payment (most states).
Tax is levied on the sales price upfront (e.g. VA, TX, GA).
Tax is levied on the total lease payment upfront (e.g. NY, MN, OH).
First month's payment incl. tax:
Total one-pay lease payment:
Down payment:
Total MSD payment:
Registration and doc fee:
Tax on cap cost reduction and fees:
Acquisition fee:
Tax on the total lease payment:
Tax on the sales price: