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.
- Share
BMW Z4 Projected Resale Value vs Loan Balance
| Year | Resale Value | Loan Balance | Difference |
|---|---|---|---|
| 0 | $53,026 | $53,026 | $0 (0%) |
| 1 | $51,345 | $36,183 | +$15,162 (30%) |
| 2 | $37,793 | $18,522 | +$19,271 (51%) |
| 3 | $33,479 | $0 | +$33,479 (100%) |
BMW Z4 Monthly Payment
| Loan Term | 36 Months |
| APR | 4.75% |
| Paid in Full | Nov, 2025 |
| Total Principal | $53,026 |
| Total Interest | $3,973 |
| Total Cost of Loan | $56,999 |
| Loan Term | 36 Months |
| APR | 4.75% |
| Paid in Full | Nov, 2025 |
| Total Principal | $53,026 |
| Total Interest | $3,973 |
| Total Cost of Loan | $56,999 |
BMW Z4 Loan Amortization
| Month | Interest | Principal | Balance |
|---|---|---|---|
| Dec, 2022 | $209.89 | $1,373.00 | $51,653.00 |
| Jan, 2023 | $204.46 | $1,379.00 | $50,274.00 |
| Feb, 2023 | $199.00 | $1,384.00 | $48,890.00 |
| Mar, 2023 | $193.52 | $1,390.00 | $47,500.00 |
| Apr, 2023 | $188.02 | $1,395.00 | $46,105.00 |
| May, 2023 | $182.50 | $1,401.00 | $44,704.00 |
This BMW Z4 is expected to lose $19,547 of its resale value during the 36 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:
