BMW X5 Loan Calculator

Our Loan Calculator display shows you how your BMW X5 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 X5 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 X5 Payment & Amortization Calculator

Vehicle Price
$
Trade-In or 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

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 X5 Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $49,788 $49,788 $0 (0%)
1 $45,719 $34,335 +$11,384 (25%)
2 $38,371 $17,765 +$20,606 (54%)
3 $36,990 $0 +$36,990 (100%)

BMW X5 Monthly Payment

Loan Term 36 Months
APR 6.99%
Paid in Full Feb, 2028
$1,537.08
Total Principal $49,788
Total Interest $5,538
Total Cost of Loan $55,326
$1,537.08
Loan Term 36 Months
APR 6.99%
Paid in Full Feb, 2028
Total Principal $49,788
Total Interest $5,538
Total Cost of Loan $55,326

BMW X5 Loan Amortization

Month Interest Principal Balance
Mar, 2025 $290.02 $1,247.00 $48,541.00
Apr, 2025 $282.75 $1,254.00 $47,287.00
May, 2025 $275.45 $1,262.00 $46,025.00
Jun, 2025 $268.10 $1,269.00 $44,756.00
Jul, 2025 $260.70 $1,276.00 $43,480.00
Aug, 2025 $253.27 $1,284.00 $42,196.00

This BMW X5 is expected to lose $12,798 of its resale value during the 36 months of this loan. Check out our BMW X5 Depreciation Calculator for a detailed analysis of the X5's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the X5 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best X5 model years to buy to get the best value.

Other BMW X5 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 X5 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 X5s For Sale

2024 BMW X5 40i

Mileage: 1,763
Mileage: 1,763     Price: $71,995
Location: Ashburn, VA ~ 2 miles away
Dealer: Koenigsegg Washington D.c.
Days on Market: 63
Colors (ext/int): Alpine White / Coffee Sensafin

$71,995


2015 BMW X5 xDrive50i

Mileage: 50,344
Mileage: 50,344     Price: $24,888
Location: Sterling, VA ~ 3 miles away
Dealer: Washington Exotics
Days on Market: 92
Colors (ext/int): Dark Graphite Metallic / Black

$24,888


2022 BMW X5 40i

Mileage: 31,145
Mileage: 31,145     Price: $42,994
Location: Sterling, VA ~ 3 miles away
Dealer: Bmw Of Sterling
Days on Market: 43
Colors (ext/int): Mineral White Metallic / Coffee

$42,994




Related Articles

1 in 3 Drivers Are Underwater, Most Overestimate Their Car's Value

Cheatsheet: How to Finance a Car Like a Pro

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

CarEdge Insights
Unlock the secrets to smarter car buying.
Now includes dealer invoice pricing.
Get CarEdge's tool kit for expert negotiations and insider data so you can make your next car purchase with confidence and clarity.
Dealer Invoice Price
Total For Sale & Total Sold
Market Days Supply
And more!
Unlock the secrets to smarter car buying.
Now includes dealer invoice pricing.
Get CarEdge's tool kit for expert negotiations and insider data so you can make your next car purchase with confidence and clarity.
Dealer Invoice Price
Market Days Supply
Total For Sale & Total Sold
And more!

Other BMW Models