BMW X1 Loan Calculator

Our Loan Calculator display shows you how your BMW X1 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 X1 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 X1 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
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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 X1 Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $31,661 $31,661 $0 (0%)
1 $29,289 $24,554 +$4,735 (16%)
2 $27,090 $16,932 +$10,158 (37%)
3 $25,057 $8,760 +$16,297 (65%)
4 $24,049 $0 +$24,049 (100%)

BMW X1 Monthly Payment

Loan Term 48 Months
APR 6.99%
Paid in Full Feb, 2029
$758.02
Total Principal $31,661
Total Interest $4,719
Total Cost of Loan $36,380
$758.02
Loan Term 48 Months
APR 6.99%
Paid in Full Feb, 2029
Total Principal $31,661
Total Interest $4,719
Total Cost of Loan $36,380

BMW X1 Loan Amortization

Month Interest Principal Balance
Mar, 2025 $184.43 $574.00 $31,087.00
Apr, 2025 $181.08 $577.00 $30,510.00
May, 2025 $177.72 $580.00 $29,930.00
Jun, 2025 $174.34 $584.00 $29,346.00
Jul, 2025 $170.94 $587.00 $28,759.00
Aug, 2025 $167.52 $590.00 $28,169.00

This BMW X1 is expected to lose $7,612 of its resale value during the 48 months of this loan. Check out our BMW X1 Depreciation Calculator for a detailed analysis of the X1's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the X1 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best X1 model years to buy to get the best value.

Other BMW X1 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 X1 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 X1s For Sale

2022 BMW X1 28i

Mileage: 32,728
Mileage: 32,728     Price: $27,487
Location: Sterling, VA ~ 3 miles away
Dealer: Bmw Of Sterling
Days on Market: 150
Colors (ext/int): Storm Bay Metallic / Mocha Dakota Leather

$27,487


2019 BMW X1 28i

Mileage: 37,487
Mileage: 37,487     Price: $19,998
Location: Sterling, VA ~ 3 miles away
Dealer: Bmw Of Sterling
Days on Market: 361
Colors (ext/int): Alpine White / Black Sensatec

$19,998


2022 BMW X1 28i

Mileage: 42,024
Mileage: 42,024     Price: $27,234
Location: Dulles, VA ~ 3 miles away
Dealer: Beyer Volvo Cars Of Dulles
Days on Market: 55
Colors (ext/int): Mineral Gray Metallic / Black

$27,234




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