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.

BMW Z4 Payment & Amortization Calculator

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Interest Rate
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Model Year
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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 Z4 Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $69,981 $55,985 +$13,996 (20%)
1 $59,841 $48,201 +$11,640 (19%)
2 $46,908 $39,858 +$7,050 (15%)
3 $45,978 $30,911 +$15,067 (33%)
4 $42,527 $21,318 +$21,209 (50%)
5 $39,336 $11,030 +$28,306 (72%)
6 $38,238 $0 +$38,238 (100%)

BMW Z4 Monthly Payment

Loan Term 72 Months
APR 6.99%
Paid in Full Feb, 2031
$954.22
Total Principal $55,985
Total Interest $12,720
Total Cost of Loan $68,705
$954.22
Loan Term 72 Months
APR 6.99%
Paid in Full Feb, 2031
Total Principal $55,985
Total Interest $12,720
Total Cost of Loan $68,705

BMW Z4 Loan Amortization

Month Interest Principal Balance
Mar, 2025 $326.11 $628.00 $55,357.00
Apr, 2025 $322.45 $632.00 $54,725.00
May, 2025 $318.77 $635.00 $54,090.00
Jun, 2025 $315.07 $639.00 $53,451.00
Jul, 2025 $311.35 $643.00 $52,808.00
Aug, 2025 $307.61 $647.00 $52,161.00

This BMW Z4 is expected to lose $31,743 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:

BMW Z4s For Sale

2022 BMW Z4 Base

Mileage: 17,870
Mileage: 17,870     Price: $41,495
Location: Sterling, VA ~ 3 miles away
Dealer: Bmw Of Sterling
Days on Market: 35
Colors (ext/int): San Francisco Red Metallic / Black Sensatec

$41,495


2014 BMW Z4 sDrive28i

Mileage: 41,483
Mileage: 41,483     Price: $25,995
Location: Chantilly, VA ~ 9 miles away
Dealer: Chantilly Auto Sales
Days on Market: 326
Colors (ext/int): Jet Black / Black Sensatec

$25,995


2015 BMW Z4 sDrive28i

Mileage: 34,381
Mileage: 34,381     Price: $27,995
Location: Chantilly, VA ~ 9 miles away
Dealer: Chantilly Auto Sales
Days on Market: 67
Colors (ext/int): Alpine White / Black Kansas Leather

$27,995




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