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0% financing or a rebate on a 2025 BMW XM?

Gap in total cost

$26,881

  • 0% wins by $26,881.
  • 0% APR: $2,593 a month, $171,773 total.
  • Rebate at 7.0%: $3,041 a month, $198,654 total.
  • The rebate wins below 0.5% APR.
  • AWD, $162,050 with destination.
  • Cheaper than 1% of 189 SUVs (2025) by MSRP.

Pick another car

Offers change monthly. Enter the dealer's numbers.

7.0% APR. 60 months. 6% sales tax on the price. Tax on the price before the rebate.

0% APR$172kRebate, 7.0% APR$199k
Down payment plus 60 months of payments. Orange: cheaper.
2025 BMW XM: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
AWD$162,050$2,593$3,041$171,773$198,6540% APR
Label AWD$188,250$3,012$3,539$199,545$231,1560% APR
Label Red AWD$188,250$3,012$3,539$199,545$231,1560% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked