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0% financing or a rebate on a 2026 BMW M3?

Gap in total cost

$11,941

  • 0% wins by $11,941.
  • 0% APR: $1,269 a month, $84,058 total.
  • Rebate at 7.0%: $1,468 a month, $95,999 total.
  • The rebate wins below 1.1% APR.
  • RWD, $79,300 with destination.
  • Cheaper than 28% of 69 sedans (2026) 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$84.1kRebate, 7.0% APR$96.0k
Down payment plus 60 months of payments. Orange: cheaper.
2026 BMW M3: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
RWD$79,300$1,269$1,468$84,058$95,9990% APR
Competition RWD$83,500$1,336$1,548$88,510$101,2100% APR
Competition xDrive AWD$88,600$1,418$1,645$93,916$107,5370% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked