BMW M5 Loan Calculator
Our Loan Calculator display shows you how your BMW M5 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 M5 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.
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 M5 Projected Resale Value vs Loan Balance
| Year | Resale Value | Loan Balance | Difference |
|---|---|---|---|
| 0 | $125,050 | $100,040 | +$25,010 (20%) |
| 1 | $99,265 | $86,133 | +$13,132 (13%) |
| 2 | $91,236 | $71,221 | +$20,015 (22%) |
| 3 | $80,570 | $55,233 | +$25,337 (31%) |
| 4 | $76,080 | $38,090 | +$37,990 (50%) |
| 5 | $71,854 | $19,709 | +$52,145 (73%) |
| 6 | $62,137 | $0 | +$62,137 (100%) |
BMW M5 Monthly Payment
| Loan Term | 72 Months |
| APR | 6.99% |
| Paid in Full | Jan, 2031 |
| Total Principal | $100,040 |
| Total Interest | $22,728 |
| Total Cost of Loan | $122,768 |
| Loan Term | 72 Months |
| APR | 6.99% |
| Paid in Full | Jan, 2031 |
| Total Principal | $100,040 |
| Total Interest | $22,728 |
| Total Cost of Loan | $122,768 |
BMW M5 Loan Amortization
| Month | Interest | Principal | Balance |
|---|---|---|---|
| Feb, 2025 | $582.73 | $1,122.00 | $98,918.00 |
| Mar, 2025 | $576.20 | $1,129.00 | $97,789.00 |
| Apr, 2025 | $569.62 | $1,135.00 | $96,654.00 |
| May, 2025 | $563.01 | $1,142.00 | $95,512.00 |
| Jun, 2025 | $556.36 | $1,149.00 | $94,363.00 |
| Jul, 2025 | $549.66 | $1,155.00 | $93,208.00 |
This BMW M5 is expected to lose $62,913 of its resale value during the 72 months of this loan. Check out our BMW M5 Depreciation Calculator for a detailed analysis of the M5's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the M5 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best M5 model years to buy to get the best value.
Other BMW M5 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 M5 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 M5s For Sale
2022 BMW M5 Base
$149,810
2023 BMW M5 Base
$96,800
2020 BMW M5 Base
$54,290
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