BMW 4 Series Loan Calculator

Our Loan Calculator display shows you how your BMW 4 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 4 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.

BMW 4 Series Payment & Amortization Calculator

Vehicle Price
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Trade-In or Down Payment
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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

Refinancing an Auto Loan

Refinancing an auto loan means taking out a new loan to replace your current one, usually to get a lower interest rate or better terms. This can lower your monthly payments or save you money on interest over time. It's a good option if your credit score has improved or if interest rates have gone down, but it's important to make sure the benefits outweigh the costs. Use the form below to see the best rates available from reputable lenders instantly.

BMW 4 Series Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $40,952 $40,952 $0 (0%)
1 $39,701 $28,240 +$11,461 (29%)
2 $34,254 $14,611 +$19,643 (57%)
3 $29,224 $0 +$29,224 (100%)

BMW 4 Series Monthly Payment

Loan Term 36 Months
APR 6.99%
Paid in Full Feb, 2028
$1,264.29
Total Principal $40,952
Total Interest $4,555
Total Cost of Loan $45,507
$1,264.29
Loan Term 36 Months
APR 6.99%
Paid in Full Feb, 2028
Total Principal $40,952
Total Interest $4,555
Total Cost of Loan $45,507

BMW 4 Series Loan Amortization

Month Interest Principal Balance
Mar, 2025 $238.55 $1,026.00 $39,926.00
Apr, 2025 $232.57 $1,032.00 $38,894.00
May, 2025 $226.56 $1,038.00 $37,856.00
Jun, 2025 $220.51 $1,044.00 $36,812.00
Jul, 2025 $214.43 $1,050.00 $35,762.00
Aug, 2025 $208.31 $1,056.00 $34,706.00

This BMW 4 Series is expected to lose $11,728 of its resale value during the 36 months of this loan. Check out our BMW 4 Series Depreciation Calculator for a detailed analysis of the 4 Series's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the 4 Series has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best 4 Series model years to buy to get the best value.

Other BMW 4 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 4 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:

BMW 4 Series For Sale

2023 BMW 4 Series 430i

Mileage: 12,416
Mileage: 12,416     Price: $45,888
Location: Sterling, VA ~ 3 miles away
Dealer: Washington Exotics
Days on Market: 190
Colors (ext/int): Alpine White / Tacora Red

$45,888


2023 BMW 4 Series 430i

Mileage: 19,201
Mileage: 19,201     Price: $46,723
Location: Sterling, VA ~ 3 miles away
Dealer: Bmw Of Sterling
Days on Market: 43
Colors (ext/int): Black Sapphire Metallic / Tacora Red Perforated Sensatec

$46,723


2022 BMW 4 Series 430i

Mileage: 32,429
Mileage: 32,429     Price: $40,950
Location: Sterling, VA ~ 4 miles away
Dealer: Easterns Automotive Group
Days on Market: 141
Colors (ext/int): Brooklyn Gray Metallic(Gray) / Tacora Red

$40,950




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How To Refinance A Car Loan: Save Money In 5 Easy Steps

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