BMW 3 Series Loan Calculator

Our Loan Calculator display shows you how your BMW 3 Series loan balance compares to the ongoing value of your vehicle. With financing, each monthly payment will reduce the balance of your loan. Unfortunately, during this same period, your vehicle's resale value will decline as well. The purpose of this tool is to show you how you can finance your 3 Series to ensure that your loan balance declines faster than the value of your vehicle.

With your results below, the goal is to have the shaded area be entirely green. This likely means that the value of your vehicle will always be greater than your loan balance. If you see yellow or red, your loan balance at some point will be at or above the value of your vehicle. You want to avoid this as we describe here. For the best financial outcome, adjust your loan terms, or choose a vehicle that doesn't depreciate as rapidly. We've also created a video that explains these scenarios and demonstrates the loan calculator.

BMW 3 Series Loan Calculator

Vehicle Price
$
Trade-In / Down Payment
$
Interest Rate
%
Credit Score
Loan Period
Sales Tax Rate
%
Model Year
Expected Annual Mileage
tip: Update the price if you change the model year.      reset this form
Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

BMW 3 Series Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $29,288 $29,288 $0 (0%)
1 $25,540 $19,982 +$5,558 (22%)
2 $24,314 $10,227 +$14,087 (58%)
3 $19,233 $0 +$19,233 (100%)

BMW 3 Series Monthly Payment

Loan Term 36 Months
APR 4.75%
Paid in Full Sep, 2024
$874.50
Total Principal $29,288
Total Interest $2,190
Total Cost of Loan $31,478
$874.50
Loan Term 36 Months
APR 4.75%
Paid in Full Sep, 2024
Total Principal $29,288
Total Interest $2,190
Total Cost of Loan $31,478

BMW 3 Series Loan Amortization

Month Interest Principal Balance
Oct, 2021 $115.93 $759.00 $28,529.00
Nov, 2021 $112.93 $762.00 $27,767.00
Dec, 2021 $109.91 $765.00 $27,002.00
Jan, 2022 $106.88 $768.00 $26,234.00
Feb, 2022 $103.84 $771.00 $25,463.00
Mar, 2022 $100.79 $774.00 $24,689.00

This BMW 3 Series is expected to lose $10,055 of its resale value during the 36 months of this loan. Check out our BMW 3 Series Depreciation Calculator for a detailed analysis of the 3 Series's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the 3 Series has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best 3 Series model years to buy to get the best value.

Other BMW 3 Series Costs of Ownership


Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major BMW 3 Series costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: