BMW i3 Loan Calculator
Our Loan Calculator display shows you how your BMW i3 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 i3 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.
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BMW i3 Projected Resale Value vs Loan Balance
| Year | Resale Value | Loan Balance | Difference |
|---|---|---|---|
| 0 | $52,097 | $41,678 | +$10,419 (20%) |
| 1 | $47,492 | $35,530 | +$11,962 (25%) |
| 2 | $45,861 | $29,081 | +$16,780 (37%) |
| 3 | $42,537 | $22,319 | +$20,218 (48%) |
| 4 | $37,552 | $15,229 | +$22,323 (59%) |
| 5 | $31,487 | $7,794 | +$23,693 (75%) |
| 6 | $26,934 | $0 | +$26,934 (100%) |
BMW i3 Monthly Payment
| Loan Term | 72 Months |
| APR | 4.75% |
| Paid in Full | Sep, 2028 |
| Total Principal | $41,678 |
| Total Interest | $6,300 |
| Total Cost of Loan | $47,978 |
| Loan Term | 72 Months |
| APR | 4.75% |
| Paid in Full | Sep, 2028 |
| Total Principal | $41,678 |
| Total Interest | $6,300 |
| Total Cost of Loan | $47,978 |
BMW i3 Loan Amortization
| Month | Interest | Principal | Balance |
|---|---|---|---|
| Oct, 2022 | $164.98 | $501.00 | $41,177.00 |
| Nov, 2022 | $162.99 | $503.00 | $40,674.00 |
| Dec, 2022 | $161.00 | $505.00 | $40,169.00 |
| Jan, 2023 | $159.00 | $507.00 | $39,662.00 |
| Feb, 2023 | $157.00 | $509.00 | $39,153.00 |
| Mar, 2023 | $154.98 | $511.00 | $38,642.00 |
This BMW i3 is expected to lose $25,163 of its resale value during the 72 months of this loan. Check out our BMW i3 Depreciation Calculator for a detailed analysis of the i3's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the i3 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best i3 model years to buy to get the best value.
