G05
BMW X5
3.1KVIEWS
29REPLIES
24APPRECIATES
17ACTIVE PEOPLE
01-19-2026LAST POST
01-14-2026
bosjt wrote
I just left a dealership in the Northeast and for a new order MSRP 80,950 vehicle (almost all options but regular paint and wheels) that I'm financing at 2.99% I got 3% off MSRP plus another $1k for BMW loyalty (from BMW) and another $3K for military (my father). I bought from them 12 years ago and they have good service. The sales manager explained to me that their margin on all cars and across all dealers is 5.5% and out of that they need to pay a bit back to the dealership. He showed me a factory invoice for a similar X5 and I can see the diff between the MSRP and wholesale is 5.5%. He said at the end of the year there are additional things that expand that margin but at the start of the year (now) there isn't. He said that the $2K loyalty incentive one of the two Ks comes from BMW the other out of the dealers 5.5%.

So where are people coming up with these 10% numbers? Is that off MSRP and are you including the other $4K I mentioned for military and loyalty inside that 10%?
You can safely ignore what he is saying as all he is doing is giving you a deal worse than you can get from others. While the invoice price is about 94% of MSRP there is also other money that a dealer can make on the deal. As far as your incentives go, they don't make sense. There is no $3k military incentive. It is $500 when financing with BMWFS which you need to do to get the loyalty incentive. You will save yourself quite a bit by telling them to cancel that deal and shop around or go with one of our resident brokers.
01-15-2026
TurtleBoy wrote
You can safely ignore what he is saying as all he is doing is giving you a deal worse than you can get from others. While the invoice price is about 94% of MSRP there is also other money that a dealer can make on the deal. As far as your incentives go, they don't make sense. There is no $3k military incentive. It is $500 when financing with BMWFS which you need to do to get the loyalty incentive. You will save yourself quite a bit by telling them to cancel that deal and shop around or go with one of our resident brokers.
A person like that, by know means it it being derogatory as I am pretty close to that but have two purchases under my belt, absolutely either should read and ask a lot here or simply go to a broker as you said.EZ Peazy and your bottom won't hurt after the deal
01-15-2026
luvthestck wrote
Hello all,

We have decided to come back to the BMW brand after a break.Looking to get a Family car.Loved our 7 series and tried the new one out.In an Ideal world I would have chosen it but I prefer to just buy the car as I cant deal with car shopping every 3 years [ Lease].I don't think buying a 7 series any financial sense to me considering all the gizmo's in the new model.

We test drove the IX and loved it except the frameless doors and the Substandard seats.If it had the multi contour seats in it I would have signed on it right away.Test drove the X5 and felt that it ticked most of the boxes for my wife.The Multicontour seats in the X5 was why I am considering the X5.
Looking into a X5 40i.
I have a few questions about the options that X5 offers

1.Multicontour seats:Love them!literally the main reason I am considering the X5.The X5 I test drove ,didn't have ventilated seats,The SA says that the ventilated seats lose some cushioning ? Not sure how true this is.
We have ventilated seats on our Q7 and we rarely use them in the North east.Wouldnt want to get them if they compromise on the cushioning/comfort


2. DAPP: Is there away to get basic cruise control or ACC without opting for DAPP?

3.Airsuspension: My Q7 has it and we like it ,Def doesn't make it behave like a boat.We have used it quite often,Makes the car corner flat in sport mode and just makes the drive comfortable on choppy roads.Not sure how it works on the X5 though.I have a sports car for summer thrills and prefer a comfortable ride in the family car,,at the same token wouldn't want the air suspension to make the car feel wobbly/boatlike.

Would appreciate if someone with air suspension chip in.

4. Ordering time: SA told me its hard to get any discounts on a custom order as its a high demand car, which I don't believe .Is there hope for the Financing rates to drop in the coming months?Will probably look for a auto broker .

5.Buy the present Gen or wait for the next generation:I am in no rush to get a car right away.I know the present gen has matured well and it appears to be a safe buy, Besides I usually don't prefer buying first year models .SA mentioned that BMW is phasing out Multicontour seats and opting to multifunction seats in the next gen .Considering how the new X3 and 5 Series have turned out..I am little wary of waiting for the next gen X5.Will there be an overlap between when we can see the next gen reveal before placing an order on the present Gen X5?

If I decide to wait for the next gen x5 to mature, I probably plan to lease a Ix now and wait for 3 years.

Would appreciate any suggestions
I am going to help you here and also provide some input considering I was a prior Audi owner (6 in a row) and had two Q7s back to back, both with the adaptive chassis package, adaptive cruise, ventilated seats, and one with massage... I think I put about 90K on two Q7s overall.

The X5 is very comfortable. I am a snob when it comes to seat comfort. I drive 300-600 miles a week in a work truck and when I get in my personal car for a long day trip on the weekend to go skiing comfort is paramount. I drove a car with the regular seats and liked it. I soon figured out the only quick way to get ventilated seats in a car on the lot was look for one with the climate comfort package. When I found out it was a much more adjustable seat with an extendable thigh bolster and many more adjustments, I was sold. I don't regret it. People who ride in my car rave over the seat comfort and adjustability. No idea if the X5 massage option is worth it, but I bet it would be appreciated but I did not see built cars with it and was in a hurry to ditch my lemon Lexus.... so that's that. No idea why they would lose their padding or support any faster than any other seat option. I would figure due to the adjustability they would be more supportive for longer, but what do I know.

I don't think you get ACC without DAPP. I love it. The hands free on divided highways is exceptionally good. Can turn off all the crazy support and just run it as ACC which my fiancee likes. Made it harder to find a car on the lot with it but worth it to me as I do between 15-20k a year and a large portion is long stretches of highway to go skiing or for family trips / vacation. I imagine this would add resale value because this type of feature will be featured/standard on more and more cars in the near future.

SA is full of BS on the discounts. You can use a car broker here and get 10% off on an order. You can get 10% off by shopping around. You might have to get a car shipped in. Part of the game. The more effort or help you get the bigger the deal you can get. I got 10% off plus 2K in incentives and free AW floor mats and roof cross bars on a X5 50e at the end of a calendar year. I thought it was a decent deal.

Air ride on the X5 50e is standard due to weight. It rides really well. Car is heavy and leans but it weighs 600 lbs more than the regular 40i X5. my last two Q7s were on air ride and loved it. was thrilled to find out the X5 was on bags too. No rear wheel steering (4WS actually) which is a bummer like the Q7 with what I have although it is an option. I don't think the car is hard to drive or turning radius sucks. Q7 was about as nimble as a X5 40i not on air I drove on the test drive but theoretically is better because it's functionality lengthens wheelbase at speed to make it more stable and shortens wheelbase in the city and when parking so it drove like an even smaller SUV than it was. Either way I really like air ride and have had no issues with it in my X5 so I would recommend it. The coil sprung X5 rides really really well too though... so it is your call. FYI I have not driven a coil spring m-sport suspension X5 but would like to.

I cannot help you with waiting or not waiting. the current LCI G05 X5 is a great car. 9.8/10 recommend. Granted I have had some used audi cars in the past but this car has been rattle, issue, etc. free. FWIW I am in the plug in hybrid but still no complaints. My buddy's dad has a 2019 X5 50i (before M50i was a thing) and has also had like no issues and loves it. My real estate agent has a 2025 X5 40i m-sport with no issues and loves it. if you like it now, get it. don't hold out for something that you might or might not like... it would be the same thing about the X3. the outgoing X3 is not really similar all around to the new gen X3. yes it is the same car functionally and size wise but it is quite different.

The only other thing I will say is the infotainment and wheel controls in the current LCI X5 are AMAZING. Coming from two Q7s with wheels and no touch screens, BMW integrated touch and physical controls so well. You can spin, push, draw, and click. You can use the touch screen. You can use the voice assistant. All work great. Only thing is temp control/fan speed and heated seat/wheel/cooled seat do not have buttons but you will get over that.

I hope this information helps especially because I have had Q7 ownership experience. Hope this helps anyone else looking at one of these vehicles as well.
01-15-2026
CountrySquire wrote
I came out of a 2016 X5 xDrive 35i with standard suspension and only heated seats and it was very comfortable. I am now in a 2025 X5 50e with air suspension and multicontour seats. In my opinion, the seats are significantly more comfortable than my previous X5 as is the suspension. No "boat" feel at all just nicely weighted control. For me, it is the best of all worlds.
as mentioned above I came from Q7s and other cars. the hybrid is heavy but not a boat. on all seasons it is pretty sharp and air ride does not make it a boat.
TurtleBoy wrote
Lane keeping is separate from DAP so that wouldn't come into play. If the cruise control would never be used then it would be down to whether you think the safety features would be worth it. The would be the side collision avoidance, Evasion Assistant and Front Cross Traffic Alert. You should also keep in mind though that we have had many members say they would never use the driving assistance features of DAP and once they tried it they became regular users. If it was me, I would get it for her.
agreed. safety is paramount. i have had the side assist save me from a dumbo who merged 3.5 lanes left from an on ramp without looking. worth it there alone. I have had other safety features save me from totaling a car when cars in front of the car in front of me have done stupid things... case and point.
Artdnj wrote
I'll have to ook into the safety features because I prioritize that, thx
see above...
SeekTheFinest wrote
We purchased a Q7 in 2016, when Audi redesigned the vehicle. It was a factory order and built to specification, which was essentially a Premium Plus 3.0T with the warm weather package (ventilated seats, sun shades, etc.). We drove the car for 9 years and 95,000 miles. Overall, the car proved to be quite reliable. The 3.0 supercharged engine had good acceleration, and on long road trips would get 25+ MPG. We dealer maintained the car, utilizing Audi Care for the life of ownership, only having to replace the brakes once and the tires twice. Overall, we thought the car aged well. Certainly, the new model years moved to more digital platforms with the touch screens, but we never felt the vehicle was aged. We only looked at replacing the Q7 when we started to have issues with the exhaust system (specifically around it developing holes), and were told by the dealership that we may need to start replacing parts due to the age of the vehicle. Overall, the build quality of the Audi was excellent, the construction was solid, and it was a practical vehicle for our family with a third row when we needed it in a pinch. In 2017, we paid $64k for Q7 utilizing the discount program through Audi Club of North America, which was, at the time, great since the vehicle was new to the market and discounts weren't really being offered (It got us 6% off MSRP)

When we started looking to replace the Q7, we weren't really focused on buying another German. I did look at the Audi A6 Allroad, since an RS6 was out of the budget, but I couldn't really get past the price tag. The 2026 A6 Allroad was going to be close to $80k for the trim level we wanted, and in September 2025, when we were shopping, they weren't allowing factory orders. After cross-shopping Lexus (TX 350+) and Honda (Passport), we decided to take a look at the X5. My wife has a 2023 X1 that we purchased sight unseen when they were initially released, and we liked the interior of that vehicle. On paper, in addition to the X5, we also considered the X3 m50, but the interior really left a lot to be desired, so that was not a real option.

Due to forums on Bimmerpost, we knew that BMW was willing to aggressively discount the X5, so with a prevailing discount and the subvented interest rates from BMWFS, we could justify looking at an X5. Our vehicle was a factory order, $82k sticker, which, when all the discounts and incentives were taken into account, came in around $71k. Compared to the Q7 at $64k, an extra $5k after almost 10 years was not too bad.

Overall, I would say the power band on the BMW is obviously much better than the Q7. It has around 40 extra HP, though I know they talk about both manufacturer understating their power numbers.

Interior fit and finish is comparable in both vehicles. I do like the matte trim option in the X5, due mainly to the fact that it's not shiny. We have cognac sensafin seats, multi-contour, with obviously much more adjustability, so that is nice.

The structural build quality of the 2017 Q7 was definitely better. The vehicle felt more solid, especially the doors. I do notice the X5 definitely sits higher than the Q7. Overall, the length is shorter on the X5, since it doesn't have the third row, but the interior space seems similar.

One thing I do miss about my Q7 is the camera system. We don't have the parking assistance package in the X5, so we have no front camera, only the sensors. This is one thing I really liked about our Q7. When pulling into the garage, I could see what was in front of me, so as not to hit things. Overall, both vehicles are great. They are both practical performance machines. We have only had the X5 for about 3 months (2,500 miles), so we will see how it holds up.

Overall, the Q7 was a great family vehicle. I wish the resale value on them were a little better. We got about $10k on trade for the 2017 Q7 with 95,000 miles. The dealership brokered it out of state, and it ended up selling for around $16.5k. Not great, but the vehicle did have a minor on the CarFax, and we had been given $5,000 for diminished value 7 years earlier, so $15k on trade was not bad (23.5% of original MSRP)

Our X5 is Manhattan Green with Cognac seats, MSport, Climate Control Pkg, Premium. This build got us everything we wanted from a looks perspective (specifically painted calipers, blacked out trim), which we wouldn't have been able to get in a new Q7. It has the horsepower we wanted, decent gas mileage, and kept us in a prestige brand. We still have to contend with the German brand depreciation, but cars are not appreciating assets, so we are ok with that.
agree on a lot of points. build quality is same or better in x5 though. no alcantara headliner in mine so not as serenely quiet but still amazing. Q7s served me well. one left me dead with a corroded main battery wire harness. other than the typical suspension bushing issue or quattro diff rumble, things were good.

I have cameras in the X5 50e so same more or less. parks itself too which is killer. there really isn't anything in my X5 the Q7 had more of. Only one of them had massaging seats but don't really care for them in any car because I would always forget to turn them on.

Q7 got great MPG. huge fuel capacity for road trips. indirect TPMS for snow tire/wheel changeover was way nicer than having to have another set of sensors for winter wheels with the X5. 50e has a smaller tank so range is a bit less on highway. wireless charging tray is a pain when cupholders are full on X5. trunk was bigger on Q7. rear seat was much roomier on Q7. split tailgate on X5 is a game changer. love it.
luvthestck wrote
Our loaded 2018 Q7 served us very well too. Very Well built, 80K miles, dealer maintained,No squeaks or rattles even on the day we unloaded it.Never gave us a problem.The maintenance was just getting expensive.@ 80k on the odometer dealer recommended all 4 brake rotors to be changed and there was a squeal from the wheel.Dealer said it was a wheel bearing..got quoted 6k for everything.We were hoping to keep it a little longer but didn't see a value in extending the ownership and bleed money.

Briefly considered the all road but was sad to see wagons more expensive than SUV in NA.
We got 18K for it and by escaping the repair, we perhaps saved 6K more.Still miss it.I am looking to find a good alternative and am considering an X5 or an IX.Like the seats and range on the X5,prefer the tech and Silence on IX.
have looked at wagons and A6 but pricey. brakes on Q7s are a rip off and dealer prices are astronomical. I did 3 brake jobs on two Q7s and one was at home for cheap and two were at independent mechanics. I rarely brought them to the stealership. not sure what I will do at higher mileage on the X5, but I change cars a lot too so we will see what happens long term...

once again, hope this helps some people. glad to be a part of the community.
01-15-2026
luvthestck wrote
Hello all,

We have decided to come back to the BMW brand after a break.Looking to get a Family car.Loved our 7 series and tried the new one out.In an Ideal world I would have chosen it but I prefer to just buy the car as I cant deal with car shopping every 3 years [ Lease].I don't think buying a 7 series any financial sense to me considering all the gizmo's in the new model.

We test drove the IX and loved it except the frameless doors and the Substandard seats.If it had the multi contour seats in it I would have signed on it right away.Test drove the X5 and felt that it ticked most of the boxes for my wife.The Multicontour seats in the X5 was why I am considering the X5.
Looking into a X5 40i.
I have a few questions about the options that X5 offers

1.Multicontour seats:Love them!literally the main reason I am considering the X5.The X5 I test drove ,didn't have ventilated seats,The SA says that the ventilated seats lose some cushioning ? Not sure how true this is.
We have ventilated seats on our Q7 and we rarely use them in the North east.Wouldnt want to get them if they compromise on the cushioning/comfort


2. DAPP: Is there away to get basic cruise control or ACC without opting for DAPP?

3.Airsuspension: My Q7 has it and we like it ,Def doesn't make it behave like a boat.We have used it quite often,Makes the car corner flat in sport mode and just makes the drive comfortable on choppy roads.Not sure how it works on the X5 though.I have a sports car for summer thrills and prefer a comfortable ride in the family car,,at the same token wouldn't [...]
You’ve already got some great answers from others so I’ll just give you some info for each question. Do with it what you may.

1. We have them in our X5 and find them very comfortable. Don’t have anything to compare them to but even with the ventilated option they are extremely comfortable.

2. Basic cruise control is there. Adaptive requires DAPP. I love the feature but only use it on longer road trips. If it’s not something you’ll use, might as well skip it. But it’s really nice.

3. We have air suspension and it’s one of my most unexpectedly favorite features. I am someone who regularly tracks an M2 and always goes for the sportier vehicles. The x5 is my wife’s car. I love driving it. Don’t feel it’s too boaty or any of those complaints that I’ve heard. It feels solid and very comfortable even on the 22 inch wheels. I absolutely love that you can lower it via the app before loading up or from the tailgate. It’s so underrated in my opinion. I wouldn’t skip it.

4. Go to a broker. I went through a broker and paid a $750 fee and got 8% off. Zero haggling or headache. The discounts can fluctuate but I’d expect between 8-10% on an x5 of the current gen. Financing rates will rise and fall as time goes. Some dealers mark the rate up by a percentage point and you may be able to get that reduced. Ultimately a broker is a great resource to guide you through it and make sure you’re getting the best deal.

5. We struggled with this question being that we picked out x5 up at the end of August. Ultimately it’ll be personal preference. We liked the current style more though I’m sure the new edgier style will grow on us like usually happens with most new out there me designs. But this being a vehicle we planned to keep for a while we wanted something more tried and true. And with a track record. The first test or two of any full redesign always come with bugs that need to be worked out.

In any case I am sure you’ll love your new X5. Congrats!
01-16-2026
Agree with the person above!

Expect, if comfort is a big concern, go with 20 inch. Any higher and it’ll start making a noticeable difference… maybe not for the average person but for some consistently

I’d expect 10% off plus incentives for a new 50e (possibly custom build). Lower for any M series
01-19-2026
I agree. I have 20s and it’s a good balanced ride. Currently have 19s with blizzaks for the winter and that rides even better on rough roads since it’s got more sidewall and they aren’t run-flats.
01-19-2026
Congratulations on your new X5. Mine was pre-owned CPO, so I can’t personally vouch for getting 10% off MSRP. That said, I’ve been on these boards long enough to consistently see posts showing 8–12% off MSRP on new purchases.

From years of buying cars and negotiating, one thing is always true: the dealership always wins. Salespeople aren’t transparent. A 3% discount off MSRP isn’t a good deal, and a $1,000 loyalty credit is weak—it should have been $2,000. Showing the “invoice” is just a gimmick; dealers make money on backend incentives, holdbacks, and credits from BMW NA, especially when you finance through them.

I could go on, but the bottom line is simple: never take a car salesperson at their word. They are not there to protect your interests.

Your other question; the discount is off MSRP and then you will also receive the incentives that BWM are running.


bosjt wrote
I just left a dealership in the Northeast and for a new order MSRP 80,950 vehicle (almost all options but regular paint and wheels) that I'm financing at 2.99% I got 3% off MSRP plus another $1k for BMW loyalty (from BMW) and another $3K for military (my father). I bought from them 12 years ago and they have good service. The sales manager explained to me that their margin on all cars and across all dealers is 5.5% and out of that they need to pay a bit back to the dealership. He showed me a factory invoice for a similar X5 and I can see the diff between the MSRP and wholesale is 5.5%. He said at the end of the year there are additional things that expand that margin but at the start of the year (now) there isn't. He said that the $2K loyalty incentive one of the two Ks comes from BMW the other out of the dealers 5.5%.

So where are people coming up with these 10% numbers? Is that off MSRP and are you including the other $4K I mentioned for military and loyalty inside that 10%?