Buy vs Lease G80 M3 xDrive

LBBF87 · 01-19-2022, 03:00 PM

Hi All -

Got approved for a G80 xDrive as Tier 2, with an APR of 2.9%.

Trying to make the call between leasing and financing given residuals on G80s are expected (apparently) to stay fairly high.

Has anyone given any major thought to this? Leasing is obviously "safer" in a sense, but it may be cheaper to finance the M3...

Any insight is appreciated!

jimbethesda · 01-19-2022, 03:03 PM

jimbethesda · 01-19-2022, 03:11 PM

Buying new and only keeping it for 1-3 years is the the most expensive way to go. Followed by buying new and keeping it longer. The cheapest is to buy used and keep for awhile. Ignore the messed up new and used car market. It's an anomaly, and won't last more than 2 years.

So….this isn't really a financial question, because from a financial standpoint, the answer is clear.

Some really enjoy getting a new car every 3 years. For them, leasing is the best option.

Some like buying new, but plan on keeping it 5+ years. For them, buying is the best.

Some just want the least expensive option, or really want that $150k car for $100k. For them, buying used is the best.

So, which are you?

My only advice is to ignore the current situation and base your decision on what it's usually like.

vj123 · 01-19-2022, 03:11 PM

A search should bring up plenty of similar discussions from the recent past.

https://g80.bimmerpost.com/forums/sh....php?t=1888176
https://g80.bimmerpost.com/forums/sh....php?t=1887063
https://g80.bimmerpost.com/forums/sh....php?t=1883699
https://g80.bimmerpost.com/forums/sh....php?t=1872983
https://g80.bimmerpost.com/forums/sh....php?t=1820937

LBBF87 · 01-19-2022, 05:17 PM

What can I say...I am so lazy I don't like to search

Quote:

Originally Posted by vj123

A search should bring up plenty of similar discussions from the recent past.

https://g80.bimmerpost.com/forums/sh....php?t=1888176
https://g80.bimmerpost.com/forums/sh....php?t=1887063
https://g80.bimmerpost.com/forums/sh....php?t=1883699
https://g80.bimmerpost.com/forums/sh....php?t=1872983
https://g80.bimmerpost.com/forums/sh....php?t=1820937

01-19-2022, 03:00 PM	#1
LBBF87 First Lieutenant 526 Rep 333 Posts Drives: The Magic School Bus Join Date: Jan 2017 Location: The Woodlands, TX iTrader: (3)	Buy vs Lease G80 M3 xDrive Hi All - Got approved for a G80 xDrive as Tier 2, with an APR of 2.9%. Trying to make the call between leasing and financing given residuals on G80s are expected (apparently) to stay fairly high. Has anyone given any major thought to this? Leasing is obviously "safer" in a sense, but it may be cheaper to finance the M3... Any insight is appreciated! __________________ 2014 F10 M5 - Space Grey on Sahkir Orange 2016 F48 X1 - Black on Black 2017 F87 M2 - LBB on Black
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01-19-2022, 03:03 PM	#2
jimbethesda Colonel 1856 Rep 2,303 Posts Drives: M3 (F80) Join Date: Jun 2006 Location: Austin iTrader: (0)	__________________ 2001 330Ci (sold) 2007 335i (sold) 2008 E90 M3 (sold) 2015 M3 (sold) 2022 G83
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01-19-2022, 03:11 PM	#3
jimbethesda Colonel 1856 Rep 2,303 Posts Drives: M3 (F80) Join Date: Jun 2006 Location: Austin iTrader: (0)	Buying new and only keeping it for 1-3 years is the the most expensive way to go. Followed by buying new and keeping it longer. The cheapest is to buy used and keep for awhile. Ignore the messed up new and used car market. It's an anomaly, and won't last more than 2 years. So….this isn't really a financial question, because from a financial standpoint, the answer is clear. Some really enjoy getting a new car every 3 years. For them, leasing is the best option. Some like buying new, but plan on keeping it 5+ years. For them, buying is the best. Some just want the least expensive option, or really want that $150k car for $100k. For them, buying used is the best. So, which are you? My only advice is to ignore the current situation and base your decision on what it's usually like. __________________ 2001 330Ci (sold) 2007 335i (sold) 2008 E90 M3 (sold) 2015 M3 (sold) 2022 G83
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01-19-2022, 03:11 PM	#4
vj123 Brigadier General 3790 Rep 3,625 Posts Drives: 2022 M3c - sold Join Date: Mar 2015 Location: The Detroit iTrader: (0)	A search should bring up plenty of similar discussions from the recent past. https://g80.bimmerpost.com/forums/sh....php?t=1888176 https://g80.bimmerpost.com/forums/sh....php?t=1887063 https://g80.bimmerpost.com/forums/sh....php?t=1883699 https://g80.bimmerpost.com/forums/sh....php?t=1872983 https://g80.bimmerpost.com/forums/sh....php?t=1820937 Last edited by vj123; 01-19-2022 at 03:39 PM..
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