JOYRIDES
Text Sean
Joyrides estimator

Lease vs
buy?

Side-by-side estimate for any current BMW. New or pre-owned. Plug in your numbers, see both monthlies, see total cost of ownership.

Important — read this

These are estimates only, computed from published MSRP and industry-typical residuals + money-factors. They are NOT real quotes from BMW of Tampa or any dealer. Real numbers change weekly with incentives and your credit tier. For an actual quote: text Sean — 917-992-5387.

Estimating

M340i · New

See real inventory at BMW of Tampa ↗
LEASE · 36 mo
$727/ mo
Due at signing
$6,727
Total over 36 mo
$32,187
  • · Money factor: 0.00130 (≈ 3.12% APR equivalent)
  • · Residual: $34,884.1 (58%)
  • · Mileage allowance: 12,000/yr · overage ≈ $0.25/mi
BUY · 60 mo
$1,133/ mo
Due at signing
$5,500
Total over 60 mo
$73,509
  • · APR: 5.49% (estimated for your credit tier)
  • · Sales tax: 7% (FL state + Tampa Bay county avg)
  • · You own the car at month 60.
5-year cost-of-ownership comparison
Lease + new lease at end
$56,373
Buy + keep (sell at 5 yrs)
$46,443
Diff (buy is cheaper by)
$9,930

Sean's rule of thumb: if you put more than 12k mi/yr or modify your cars, finance. If you keep your cars ~3 years and want lower payment + warranty coverage, lease. The above is one scenario — change inputs to test yours.

Reminder — not a real quote

These numbers are computed from published MSRP + market-typical money factors and APRs. Real lease and finance offers depend on current manufacturer incentives, your actual credit pull, and specific spec/options on the car. For real numbers in 30 minutes:

Text Sean for a real quoteTake the quiz first →Browse all models →