Program Period: December 2 – January 2

BMW’s December programs are now active, and this month brings steady, predictable support across the lineup. Lease programs remain competitive, finance rates are favorable on key models, and EV incentives continue to anchor the strongest payments. The 39-month residual match — which mirrors the 36-month residual on most models — is still in place and continues to be one of the easiest ways to reduce monthly lease costs.

Below is a clear summary of what matters this month, including a dedicated breakdown of the X5.

EV Programs

BMW continues offering $7,500 in lease credit on all MY26 EVs, including the i4, i5, i7, and iX.
Remaining MY25 iX models may still qualify for up to $12,000 depending on inventory.

Money factors and residuals remain stable, keeping EV payments consistent.

Lease Structure & 39-Month Option

Lease programs this month remain straightforward with no unusual term structures. A key detail continues to benefit shoppers:

Most models, including the X5, carry the same residual for 39 months as they do for 36 months.

By adding three months to the term without increasing depreciation, payments generally fall by about $60 per month, depending on model and MSRP.

This applies to nearly all core models and is particularly helpful on higher-MSRP vehicles like the X5 and X7.

The X5: December Program Breakdown

The X5 remains one of BMW’s most stable and in-demand models, and December’s programs continue that trend.

Highlights for December (non-M, non-PHEV):

• Lease credit: $1,000

• Loyalty: $2,000 combined BMW + dealer contribution

• Money factor: 0.00190

• Finance APR: 1.99% for mid-length terms / 2.49% for longer terms

• Eligible for the 39-month residual match — often lowering payments by roughly $50–$70 per month depending on build

• Strong residual support relative to segment, helping keep leases reasonable despite higher MSRP

For many shoppers, the X5 is one of the most balanced options this month. The combination of a steady MF, loyalty support, and the 39-month term often produces more competitive payments than other luxury midsize SUVs. Financing is also attractive given the low APR and steady resale value on the model.

Finance APR Rates

Finance rates are one of the strongest parts of December’s programs:

• X3: 0.90% APR on select terms

• X7: 0.90% APR on select terms

• X5: 1.99% on mid-length terms, 2.49% for extended terms

• 3 Series: As low as 1.99%

• 5 Series (gas): 1.99% for 49–60 months

• i4, i5, iX: Subsidized EV APR options keeping financing competitive

• 7 Series ICE: Standard higher APR compared to volume models

The finance structure, particularly the 0.90% programs on X3 and X7, make retail financing a strong alternative to leasing for certain buyers. The X5’s APR program is not quite as low as those, but still competitive enough to make long-term ownership appealing.

Loyalty and Conquest Incentives

BMW continues rewarding returning customers:

• $1,000–$2,000 loyalty on most gas models

• $2,000 loyalty on i4, i5, and iX

• Up to $5,000 loyalty on the 7 Series and i7

• $2,500 loyalty on the 8 Series / M8

• Limited conquest support on select 5 Series and 7 Series ICE models

For BMWFS return customers, loyalty plays a meaningful role in keeping lease and finance numbers competitive.

MY25 vs. MY26

MY25 models offer heavier incentives and may result in the lowest overall payments if the right vehicle is still available.

MY26 models offer updated packages, cleaner support, and predictable rate structures, making them ideal for shoppers prioritizing long-term ownership or specific configurations.

Why December Is a Strong Month

Programs remain stable and straightforward, with no major shifts or surprises. Lease customers benefit from the 39-month residual match and consistent MF support. Finance customers have access to strong APR programs, particularly on the X3 and X7. EVs remain one of the most stable payment categories with strong residuals and steady credits.

AutoCompanion Concierge Service

If you prefer a streamlined experience, our concierge service manages the entire process on your behalf:

• Locating the exact configuration you want

• Reviewing whether leasing or financing makes the most sense

• Confirming all incentives and eligibility

• Structuring the deal clearly and transparently

• Coordinating directly with the dealer for paperwork and delivery

Tell us the vehicle you want, and we’ll take it from there.