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0% financing or a rebate on a 2026 BMW X5?

Gap in total cost

$10,216

  • 0% wins by $10,216.
  • 0% APR: $1,116 a month, $73,935 total.
  • Rebate at 7.0%: $1,286 a month, $84,151 total.
  • The rebate wins below 1.2% APR.
  • sDrive40i RWD, $69,750 with destination.
  • Cheaper than 22% of 176 SUVs (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$73.9kRebate, 7.0% APR$84.2k
Down payment plus 60 months of payments. Orange: cheaper.
2026 BMW X5: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
sDrive40i RWD$69,750$1,116$1,286$73,935$84,1510% APR
xDrive40i AWD$72,050$1,153$1,330$76,373$87,0040% APR
xDrive50e AWD$77,450$1,239$1,433$82,097$93,7030% APR
xDrive50e Plug-In Hybrid$77,450$1,239$1,433$82,097$93,7030% APR
M60i AWD$95,050$1,521$1,767$100,753$115,5370% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked