# BMW Z4 Loan Calculator

Our Loan Calculator display shows you how your BMW Z4 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 Z4 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.

### BMW Z4 Loan Calculator

Vehicle Price
\$
Trade-In / 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
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Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

#### BMW Z4 Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 \$64,609 \$51,687 +\$12,922 (20%)
1 \$58,193 \$44,061 +\$14,132 (24%)
2 \$56,856 \$36,064 +\$20,792 (37%)
3 \$55,053 \$27,679 +\$27,374 (50%)
4 \$40,523 \$18,886 +\$21,637 (53%)
5 \$35,897 \$9,664 +\$26,233 (73%)
6 \$30,935 \$0 +\$30,935 (100%)

## BMW Z4 Monthly Payment

 Loan Term 72 Months APR 4.75% Paid in Full Apr, 2030
\$826.44
 Total Principal \$51,687 Total Interest \$7,813 Total Cost of Loan \$59,500
\$826.44
 Loan Term 72 Months APR 4.75% Paid in Full Apr, 2030 Total Principal \$51,687 Total Interest \$7,813 Total Cost of Loan \$59,500

#### BMW Z4 Loan Amortization

Month Interest Principal Balance
May, 2024 \$204.59 \$622.00 \$51,065.00
Jun, 2024 \$202.13 \$624.00 \$50,441.00
Jul, 2024 \$199.66 \$627.00 \$49,814.00
Aug, 2024 \$197.18 \$629.00 \$49,185.00
Sep, 2024 \$194.69 \$632.00 \$48,553.00
Oct, 2024 \$192.19 \$634.00 \$47,919.00

This BMW Z4 is expected to lose \$33,674 of its resale value during the 72 months of this loan. Check out our BMW Z4 Depreciation Calculator for a detailed analysis of the Z4's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Z4 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Z4 model years to buy to get the best value.

### Other BMW Z4 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 Z4 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: