G05
BMW X5
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22 hours agoLAST POST
05-16-2026
Hi everyone,

I have a situation. I ordered a basically fully optioned 2025 M340i last year and while it’s been fine, I’m looking for something bigger that can tow occasionally too. I’ve settled on the X5.

Usually I keep my cars for 8-10 years, so this would be my first time trading in a car that I still owe on. Because of my last trade, and a year and change worth of payments, my payoff for the M340i is $41k. According to KBB (not sure how accurate it is), the trade value is somewhere around $57k plus/minus $2k, giving me $14k-18k trade in value.

I would take advantage of the 1.99% for 60 mo financing, and the loyalty rebate for $2k. Ultimately though, I don’t really want to pay too much more per month for the X5, and while I want it, I’m also perfectly fine not ordering if I can’t get a payment close to what I’m paying now (within a few hundred/mo). Currently paying about 1,050/mo on a 2.99% 60 mo contract. The X5 I would order has essentially every option and would be $91k.

I have seen lots of people on the forums say they got 10% off before rebates/incentives, but I also know from experience that kind of stuff can be exaggerated. How realistic is 10% off and do I have to use a broker (if yes, I have no clue where to start with broker process)? I’m in the NE. I also have no interest in the 2027 revamp, so I get a 2026 or I’ll just buy a different brand sometime in the next few years.
05-16-2026
10% off is not exaggerated. If your local dealers won't compete use a broker on here. They'll chime in soon. You might even be able to do better than 10%. I think special orders might be getting close to being cut off soon on the G05 and that will be it as the new redesign is coming.
05-16-2026
As has been said, 10%+ off should be fairly doable. Shop your build around to some dealers and see what they are doing. If you want to bypass that work, contact one of our resident brokers and they will be able to do it for you. Try Scott with Insight smithf80's user avatarsmithf80 (scott@insightautoconsulting.com), Dan with Next Level Auto Brokers's user avatarNext Level Auto Brokers (dan@nextlevelautobrokers.com) or Ashleigh with Bimmer Car Deals's user avatarBimmer Car Deals (ashleigh@bimmercardeals.com).
05-16-2026
TurtleBoy wrote
As has been said, 10%+ off should be fairly doable. Shop your build around to some dealers and see what they are doing. If you want to bypass that work, contact one of our resident brokers and they will be able to do it for you. Try Scott with Insight smithf80's user avatarsmithf80 (scott@insightautoconsulting.com), Dan with Next Level Auto Brokers's user avatarNext Level Auto Brokers (dan@nextlevelautobrokers.com) or Ashleigh with Bimmer Car Deals's user avatarBimmer Car Deals (ashleigh@bimmercardeals.com).
Thanks, I appreciate the leads. I have an email out to the guy I bought my M340i from and I’m going to the local dealer tomorrow for an oil change, so I will just be very direct and up front that it has to be 10% (plus a good trade for my car) or I’m not interested.
05-16-2026
2025G0540i wrote
10% off is not exaggerated. If your local dealers won't compete use a broker on here. They'll chime in soon. You might even be able to do better than 10%. I think special orders might be getting close to being cut off soon on the G05 and that will be it as the new redesign is coming.
I didn’t even consider that orders might be ending soon. That would make this whole thing a lot simpler! Hopefully I can get some clarity tomorrow at the dealer.
05-16-2026
Yes. Time is of the essence. One of the brokers mentioned by TurtleBoy's user avatarTurtleBoy can get you the best deal. They have a network of dealers including the northeast. It costs nothing to reach out and learn all about their services. They can facilitate a trade too. Caution….while KBB and Edmunds offer a reference point for trade value the dealers will often lowball it. With $15k equity plus 10% dealer discount plus incentives and 2,99% financing you should come close to reaching your goal. I particularly recommend smithf80's user avatarsmithf80 scott@insightautoconsulting.com
Best of luck.
05-16-2026
You absolutely need to get 10% plus the loyalty credit. Don't be afraid to go out of state. Even with a broker but do the math. They charge a fee, the dealer docs fees might be higher where you go and then there is shipping. You might get 13% off or more but all the extra stuff is almost a percent off. Still, you should net 10% even with a broker. You'll find a dealer somewhere doing it though.
I saw where you said you keep your vehicles 8-10 yrs. I custom ordered my X5 around 90k from Bill Jacobs in Chicago. This is a big reason I chose them as I had multiple dealers I was at 10% plus with. I know the brokers can get deals done in Chicago for you but not sure it is this dealer. If not call Maggie B and Gigi there and work out a deal and have them ship it to you. It shouldn't cost more than $800 (see there's about 1% eating the cost) Dealer Doc fee there is also only $399.

New Vehicles
7-year / 100,000-mile limited powertrain warranty. Included with every new BMW purchase or lease at Bill Jacobs BMW.

Engine, transmission, and drivetrain coverage
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05-16-2026
JDHawk70 wrote
You absolutely need to get 10% plus the loyalty credit. Don't be afraid to go out of state. Even with a broker but do the math. They charge a fee, the dealer docs fees might be higher where you go and then there is shipping. You might get 13% off or more but all the extra stuff is almost a percent off. Still, you should net 10% even with a broker. You'll find a dealer somewhere doing it though.
I saw where you said you keep your vehicles 8-10 yrs. I custom ordered my X5 around 90k from Bill Jacobs in Chicago. This is a big reason I chose them as I had multiple dealers I was at 10% plus with. I know the brokers can get deals done in Chicago for you but not sure it is this dealer. If not call Maggie B and Gigi there and work out a deal and have them ship it to you. It shouldn't cost more than $800 (see there's about 1% eating the cost) Dealer Doc fee there is also only $399.

New Vehicles
7-year / 100,000-mile limited powertrain warranty. Included with every new BMW purchase or lease at Bill Jacobs BMW.

Engine, transmission, and drivetrain coverage
No cost or sign up required
Service by BMW trained technicians with Genuine BMW parts
Hey thanks for the detailed write up, very much appreciated. I just left the dealership local to me and got a quote from one near me. I’ve driven a X5 before but wow, today convinced me.

Both quotes I got locally are not ideal. The closer dealer when all is said and done gave me $1350/mo with $2k rebate, trade and $1k down for 60mo at 1.99%. It basically comes out to them giving me $3-5k less for my trade, and rolling that into % off MSRP, but still nowhere close to 10%. They have 5 or so allocations.

The place further from me gave me the same offer or alternatively 2.99% for 72mo that comes out to $1176/mo which is what I’m aiming for. Still only comes out to $1k off MSRP or close to 1% off. They’re putting more on the trade but in the end it works out to $1350/mo or so from both dealers at 1.99% for 60. They have two allocations.

I did reach out to all 3 broker emails provided above and have heard back from Ashleigh so far. Hoping to move this week because I know timing is tight and I’m somewhat worried I’ll miss my shot as I haven’t been able to get a clear timeframe on when they’ll stop taking orders. I’ll call your other recommendations on Monday.
05-16-2026
seezur's user avatarseezur just a friendly tip........focus on arriving at a net selling price incl. dealer discount plus incentives prior to discussing lease, purchace or trade options. You may want to get quotes for trade at Carmax or Carvana. Take into consideration sales tax implications, if any.
2 days ago
seezur's user avatarseezur another friendly advice. Don't bring the trade into discussions when you are trying to get pricing for the X5.

First, you get the % off the MSRP, APR, and fees, and then, if you think it is worth it, you bring the trade-in into the discussion. :)

P.S. The stealership I used to get my two cars from was giving me some joke offers on my car. Although I went with a $59k offer from Carmax, they were giving me $53k. And that $53k was $51k before I continued to push for more and went with the offer from Carmax. Their suggestion was to sell it to Carmax and then get back to them to order a new one. Hell no, you try to rip me off like that, no more business from me... so get lost with it, and I just went with a broker and bye-bye.
2 days ago
CiprianS wrote
seezur's user avatarseezur another friendly advice. Don't bring the trade into discussions when you are trying to get pricing for the X5.

First, you get the % off the MSRP, APR, and fees, and then, if you think it is worth it, you bring the trade-in into the discussion. :)

P.S. The stealership I used to get my two cars from was giving me some joke offers on my car. Although I went with a $59k offer from Carmax, they were giving me $53k. And that $53k was $51k before I continued to push for more and went with the offer from Carmax. Their suggestion was to sell it to Carmax and then get back to them to order a new one. Hell no, you try to rip me off like that, no more business from me... so get lost with it, and I just went with a broker and bye-bye.
I was pretty straight with them, as I always try to be, to cut the bs. Told them it had to be 10% off MSRP, trade at KBB fair value (maybe $2$ wiggle downwards, but must be in the “fair” range). And that the 10% had to be before the rebates. Then I told them I’ve contacted multiple brokers and will go with the best price. The guy then disappeared for like 30 minutes wasting my time.

The funny thing is the one guy had a terrible number but I was able to figure out just what I wanted by being there and am finally 100% on what spec and interior trim (tartufo, fineline open pore and carbon black). So I thanked him for his time and said too bad we couldn’t make it work. He then goes “I’ll talk to you soon”. Talk about what? The 3% off you’re giving me with a $2k reduction in trade? What would we talk about?

At that same dealer last year I gave this other guy a number for my M340i. He said no way, best we can do is $1k off MSRP. I told him I was going to go to the other dealer then. I made a deal with the other guy for way less and the first salesperson calls me a week later and asks how I’m doing. I told him I’m going to be buying the car from the other guy. He suddenly can not only match the other dealer, but beat them by $500. I turned him down, told him my word wasn’t worth $500. Crazy how these guys screw around like this when I’m so insanely transparent with what will or will not work. I’m assuming it behooves them to fill all their allocations? They’ve got a ton sitting around.
2 days ago
seezur wrote
Hey thanks for the detailed write up, very much appreciated. I just left the dealership local to me and got a quote from one near me. I’ve driven a X5 before but wow, today convinced me.

Both quotes I got locally are not ideal. The closer dealer when all is said and done gave me $1350/mo with $2k rebate, trade and $1k down for 60mo at 1.99%. It basically comes out to them giving me $3-5k less for my trade, and rolling that into % off MSRP, but still nowhere close to 10%. They have 5 or so allocations.

The place further from me gave me the same offer or alternatively 2.99% for 72mo that comes out to $1176/mo which is what I’m aiming for. Still only comes out to $1k off MSRP or close to 1% off. They’re putting more on the trade but in the end it works out to $1350/mo or so from both dealers at 1.99% for 60. They have two allocations.

I did reach out to all 3 broker emails provided above and have heard back from Ashleigh so far. Hoping to move this week because I know timing is tight and I’m somewhat worried I’ll miss my shot as I haven’t been able to get a clear timeframe on when they’ll stop taking orders. I’ll call your other recommendations on Monday.
My local dealer best offer was 5% off. I tried in Omaha, Chicago and close to my condo in FL. All get to 10% off plus rebates which i only got 1000 for a 50e with 1.99 for 60 mos
2 days ago
CiprianS wrote
seezur's user avatarseezur another friendly advice. Don't bring the trade into discussions when you are trying to get pricing for the X5.

First, you get the % off the MSRP, APR, and fees, and then, if you think it is worth it, you bring the trade-in into the discussion. :)
This is bad advice
2 days ago
smithf80 wrote
This is bad advice
Any reason for saying this? If so, you can mention them so that we learn from you. :)
2 days ago
CiprianS wrote
Any reason for saying this? If so, you can mention them so that we learn from you. :)
It's just a waste of time, your time, their time, everyones time.

In most cases it's not even the same manager who gives the new car deal that is appraising your trade.

If anything you should get the trade out of the way first so you know if that dealer is going to be strong enough on it for the deal to be worth your time, and so you're not wasting the time of the salesperson (assuming you care about that, hopefully), getting them to get you quotes and get to your number only to find out the used car manager goes low on trades.
2 days ago
smithf80 wrote
In most cases it's not even the same manager who gives the new car deal that is appraising your trade.
In my case, when I went with the trade-in altogether first, the same sales guy came with both the new car pricing and the trade-in pricing. So, what they were giving me with one hand, was taken back with the other one.

That he got the pricing from an acquisition person, a used sales car person, etc. that is a different story. But I did not deal with two different persons at the same time.

So, permit me to disagree with your opinion. :)
2 days ago
CiprianS wrote
In my case, when I went with the trade-in altogether first, the same sales guy came with both the new car pricing and the trade-in pricing. So, what they were giving me with one hand, was taken back with the other one.

That he got the pricing from an acquisition person, a used sales car person, etc. that is a different story. But I did not deal with two different persons at the same time.

So, permit me to disagree with your opinion. :)
That's not really what I said though, I said to get your trade value out of the way before anything else, not to ask for it all at once upfront.
2 days ago
Our opinions are quite different on this one, but your opinion makes sense, too. :)
2 days ago
I know which one is the expert here 😀
2 days ago
CiprianS wrote
Our opinions are quite different on this one, but your opinion makes sense, too. :)
I've always tried to do it your way but honestly, probably doesnt matter. Know what you want and want to give for each and stick to it. Just gotta watch for the fancy math and see through it.
2 days ago
JDHawk70 wrote
I've always tried to do it your way but honestly, probably doesnt matter. Know what you want and want to give for each and stick to it. Just gotta watch for the fancy math and see through it.
Yep. Stick to your numbers, have a loan/lease calculator handy on your phone, and crank whatever numbers they give you. And avoid going to the dealership to wear you out with the "let me talk to my manager about it" game all day long. :)

Or, if you got old and tired of negotiating, just go with a broker, and that's it, as I did this time. :)
2 days ago
smithf80 wrote
It's just a waste of time, your time, their time, everyones time.

In most cases it's not even the same manager who gives the new car deal that is appraising your trade.
I agree with this, especially when the sales team asks you multiple times, 'do you have a trade in' in the process, just be honest.

You can always walk away from their numbers no matter what.

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