BMW lease program · ends Nov 30, 2026 · Modesto
2026 BMW X3 30 xDrive lease
$5,000 due at signing · $746/mo all in
$5,000 due at signing · true cost $746/mo
The math
| MSRP | $55,650 |
| Selling price | $52,420 |
| Cash down | −$2,610 |
| Adjusted cap cost | $49,810 |
| Residual value (57% of MSRP) | $31,721 |
| Money factor (≈ APR) | 0.00145 (3.48%) |
| Depreciation per month | $463.83 |
| Rent charge per month | $118.09 |
| Tax per month (8.88%) | $51.65 |
| Monthly payment | $633.56 |
| Due at signing | $5,000.00 |
| Total cost over 39 months | $29,075 |
Payment by amount due at signing
| Due at signing | Monthly | True monthly cost |
|---|---|---|
| $2,236 $0 down | $711 | $750 |
| $3,000 | $689 | $749 |
| $5,000 | $634 | $746 |
Putting more down lowers the payment but not the total cost much, and that cash is at risk if the car is totaled.
Closed-end lease estimate for a 2026 BMW X3 30 xDrive . 39 monthly payments of $633.56 (includes 8.88% estimated sales tax). $5,000.00 due at signing, which includes $2,609.81 cash down plus tax on it, the first monthly payment, a $925 acquisition fee and an estimated $600 for registration and dealer fees. No security deposit assumed. Total of monthly payments $24,709.00. Mileage limit 10,000 miles per year; $0.25 per mile over. At lease end you may owe a $495 disposition fee and charges for excess wear and use. Purchase option at lease end: $31,721 plus fees. MSRP $55,650; selling price $52,420. Assumes excellent (720+) credit, approved by the lender. Program ends Nov 30, 2026. This is an estimate, not an offer to lease. Final terms are set by the selling dealer and may vary. 2026 X3 30 xDrive All-Wheel Drive, 33 MPG Lease at $549/month 39 month term, $5,299 due at signing Important Info Finance at 0.90% APR Up to 60 months Important Info Lease 2026 BMW X3 30 xDrive lease offer. Lease for $549/month for 39 months with $5,299 due at signing. Loyalty Offers available to qualified customers who have leased or financed a BMW model through BMW Financial Services NA, LLC in the last 12 months. In order to qualify for a BMW Loyalty Offer, loyal current or former BMW owners or lessees must show proof of ownership or BMW Financial Services account number and qualify for credit approval. Available Loyalty Offer of $1,000 off MSRP on select new 2026 BMW X3 30 xDrive models (consists of $500 BMW of North America, LLC contribution plus $500 loyalty contribution from your BMW Center). Must take delivery by November 30, 2026. Availability of Loyalty Offers are subject to dealer participation. Visit your authorized BMW Center for important details. Advertised lease offer is a national advertisement intended to be available on new 2026 BMW X3 30 xDrive models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $549 per month for 39 months is based on an adjusted capitalized cost of $48,595 (MSRP of $55,650, including destination and handling fee of $1,350, less $3,825 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,230, and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,825 capitalized cost reduction, $549 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $31,721, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 30, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
BMW dealers near 95350
Closest first, straight-line distance. We don’t track what’s on each lot yet — call to check this car is there before you drive over. This isn’t every dealer: it’s the ones we have on file within 50 miles.
- Valley BMWModesto · 2 miles away · (209) 575-0269
- East Bay BMWPleasanton · 48 miles away · (888) 593-7018
What the X3 lease has done
The cheapest X3 lease each time we looked, quoted with no tax, no fees and nothing down — so the line follows the manufacturer changing the deal, not your ZIP code.
What you're actually getting
From EPA and NHTSA crash tests and NHTSA VIN decoder, for the 2026 BMW X3 M50. Figures are for the nameplate, so a different trim or drivetrain can differ.
A dealer is advertising the same model as a courtesy or demo car — driven, with a few thousand miles on it, and usually cheaper. Mileage allowances on these are often lower.
Other BMW X3 trims
Same model, priced with the same amount due at signing so the payments compare fairly.
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