2026 BMW 3 Series M340i NA xDrive Sedan lease

2026 BMW 3 Series M340i NA xDrive Sedan lease through Hunter Lease: $992 per month with tax, 39 months, 7,500 miles per year, $3,000 due at signing, calculated for ZIP 90210 and credit tier 1 (740+). The payment was calculated Oct 18, 2026, 9:52 PM PDT, and an incentive in this payment is valid through October 31, 2026. The payment includes 10.25% sales tax. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates. Availability last checked October 18, 2026 at 7:11 AM PDT.

We compared the whole market: 1,549 new BMW 3 Series at franchise dealers within 100 miles of Los Angeles as of October 16, 2026.

All BMW 3 Series at Hunter Lease

Transparent lease pricing from Hunter Lease, California’s platform for pre-negotiated new-car deals. Every number below is computed from live bank programs by the same engine as the calculator, to the cent, for this specific car in stock.

Fees and incentives by name

Fees: acquisition $925, doc $85, DMV state fees $824.73, reserve for county DMV fees and paperwork (Hunter Lease) $100

Payment by term and mileage (find your combo)

24 months: 7,500 mi/yr $1,405, 10,000 mi/yr $1,439, 12,000 mi/yr $1,473, 15,000 mi/yr $1,541
30 months: 7,500 mi/yr $1,200, 10,000 mi/yr $1,227, 12,000 mi/yr $1,253, 15,000 mi/yr $1,307
33 months: 7,500 mi/yr $1,126, 10,000 mi/yr $1,150, 12,000 mi/yr $1,174, 15,000 mi/yr $1,223
36 months: 7,500 mi/yr $1,064, 10,000 mi/yr $1,086, 12,000 mi/yr $1,108, 15,000 mi/yr $1,152
39 months: 7,500 mi/yr $992, 10,000 mi/yr $1,012, 12,000 mi/yr $1,033, 15,000 mi/yr $1,073
42 months: 7,500 mi/yr $1,098, 10,000 mi/yr $1,117, 12,000 mi/yr $1,136, 15,000 mi/yr $1,173

Specs, fuel economy and what is included

Specs: 3.0L I6 (factory decode for this VIN build code), AWD (NHTSA decode of this VIN), Sedan, 5 seats (factory decode for this VIN build code)
Warranty: basic 4 yr / 50,000 mi, powertrain 4 yr / 50,000 mi
Safety & driver assist: Automatic emergency braking (pedestrian & cyclist); Traffic-sign recognition; Blind-spot monitoring; Front & rear parking sensors; Driver-attention monitor; Full airbag set incl. side-curtain
Comfort: Power sunroof; Dual-zone climate control; Heated front seats; Driver-seat memory; Heated steering wheel; Power tailgate; Keyless entry & push-button start; Remote engine start; Ambient interior lighting
Infotainment & connectivity: Wireless Apple CarPlay & Android Auto; Built-in navigation; Digital instrument cluster; 12.3" central display; Wireless phone charging; Connected remote control (app); Built-in Wi-Fi hotspot
Interior: Synthetic leather seats
Exterior: LED headlights; Projector headlights; Alloy wheels (R19)
Equipment typical for this trim, from the factory VIN decode of this trim.

Every number of this deal

For comparison, financing. 2026 BMW 3 Series M340i NA xDrive financing through Hunter Lease: $1,195 per month, 72 months, 3.99% APR, $5,000 down.

Key numbers

2026 BMW 3 Series M340i NA xDrive lease payment: $992 per month with tax.
2026 BMW 3 Series M340i NA xDrive lease due at signing: $3,000.
2026 BMW 3 Series M340i NA xDrive lease term: 39 months. Mileage: 7,500 miles per year.
2026 BMW 3 Series M340i NA xDrive lease payment before tax: $900 per month. Sales tax for ZIP 90210: taxable $896.71 × 10.25% = $91.91 per month. The registration (DMV) share of $3.57 per month is not taxed. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
2026 BMW 3 Series M340i NA xDrive total paid over the 39 month lease: $40,703.23.
How the 2026 BMW 3 Series M340i NA xDrive lease total adds up: $3,000 due at signing plus 38 monthly payments of $992.19, the exact payment before rounding to $992. That is $1,043.67 per month on average over the whole term.
2026 BMW 3 Series M340i NA xDrive lease: money factor 0.0012 (BMW Financial Services program rate 2.88%, money factor = rate ÷ 2400), residual 58% (Hunter Lease estimate: the BMW Financial Services base-mileage residual adjusted for 7,500 miles per year), lender BMW Financial Services.
2026 BMW 3 Series M340i NA xDrive finance payment: $1,195 per month, 72 months, 3.99% APR, $5,000 down.
2026 BMW 3 Series M340i NA xDrive MSRP: $72,920.
2026 BMW 3 Series M340i NA xDrive selling price before incentives: $72,920.
2026 BMW 3 Series M340i NA xDrive lease incentive from the BMWFS Lease Credit program: $1,000, valid through Oct 31. It is already included in this price.
2026 BMW 3 Series M340i NA xDrive price after incentives: $71,920.
2026 BMW 3 Series M340i NA xDrive availability: in stock, stock updated October 18, 2026 at 7:11 AM PDT.
The 2026 BMW 3 Series M340i NA xDrive payment is calculated for ZIP 90210 and a 740+ credit score. The bank decides whether to approve the application.
Hunter Lease handles cars registered in California only. An SSN is required for the bank application.
2026 BMW 3 Series M340i NA xDrive: dealer stock updated October 18, 2026 at 7:11 AM PDT.
2026 BMW 3 Series M340i NA xDrive lease bank program valid through: November 3, 2026.
2026 BMW 3 Series M340i NA xDrive lease payment calculated: October 18, 09:52 PM PDT.

How the payment is built

2026 BMW 3 Series M340i NA xDrive MSRP: $72,920 (dealer feed).
Minus the 2026 BMW 3 Series M340i NA xDrive lease incentive: $1,000 from the BMWFS Lease Credit program (manufacturer program).
Plus what the amount due at signing did not cover (part of the fees, tax and first payment), rolled into the 2026 BMW 3 Series M340i NA xDrive lease: $132.94.
2026 BMW 3 Series M340i NA xDrive adjusted cap cost, the amount the bank finances: $72,052.94 (Hunter Lease calculation).
2026 BMW 3 Series M340i NA xDrive residual value after 39 months: $42,293.60, 58% of MSRP (Hunter Lease estimate: the BMW Financial Services base-mileage residual adjusted for 7,500 miles per year).
2026 BMW 3 Series M340i NA xDrive depreciation: $763.06 per month, the adjusted cap cost minus the residual, divided by 39 months.
2026 BMW 3 Series M340i NA xDrive rent charge: $137.22 per month, the adjusted cap cost plus the residual, times the money factor 0.0012 (BMW Financial Services program rate 2.88%, money factor = rate ÷ 2400).
2026 BMW 3 Series M340i NA xDrive lease payment before tax: $900.28 per month.
2026 BMW 3 Series M340i NA xDrive sales tax on the lease payment: taxable $896.71 × 10.25% = $91.91 per month, rate for ZIP 90210 (CDTFA tax table). The registration (DMV) share of $3.57 per month is not taxed. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
2026 BMW 3 Series M340i NA xDrive lease payment with tax: $992.19 per month (Hunter Lease calculation). The page rounds it to $992.
What the $3,000.01 due at signing on the 2026 BMW 3 Series M340i NA xDrive lease is made of: first payment $992.19, tax 10.25% on the rebate, bank acquisition fee and dealer doc fee $206.03, dealer doc fee $85, part of the registration (DMV) $791.79, bank acquisition fee $925.

At lease end

2026 BMW 3 Series M340i NA xDrive lease end if you return the car: the disposition fee is $395, charged only on return. It is not part of the monthly payment, the amount due at signing or the totals on this page. Buying the car is a separate option and is not part of this return scenario.
2026 BMW 3 Series M340i NA xDrive lease mileage: 7,500 miles per year are included in the payment. Charges for miles above that and for excess wear may apply when you return the car and depend on how it is used; their amounts are set by the lease contract and are not in this calculation.

Where these numbers come from

Dealer feed: the 2026 BMW 3 Series M340i NA xDrive MSRP. The car was last seen in the dealer feed on Oct 18, 2026, 3:44 AM PDT.
Manufacturer program: the $1,000 lease incentive on the 2026 BMW 3 Series M340i NA xDrive, valid through October 31, 2026.
Bank program BMW Financial Services for the 2026 BMW 3 Series M340i NA xDrive: money factor 0.0012 (BMW Financial Services program rate 2.88%, money factor = rate ÷ 2400), residual 58% (Hunter Lease estimate: the BMW Financial Services base-mileage residual adjusted for 7,500 miles per year). Program loaded Oct 2, 2026, 7:00 PM PDT, valid through November 3, 2026.
CDTFA tax table: the 10.25% rate for ZIP 90210 in the 2026 BMW 3 Series M340i NA xDrive payment. Table effective Oct 1, 2026. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
Hunter Lease calculation: the adjusted cap cost, depreciation, rent charge and payment of the 2026 BMW 3 Series M340i NA xDrive. Computed Oct 18, 2026, 9:52 PM PDT.
Hunter Lease market sample: the comparison of the 2026 BMW 3 Series M340i NA xDrive price with the market. Sample collected Oct 7, 2026, 1:59 PM PDT.

Comparison

The Hunter Lease price for the 2026 BMW 3 Series M340i NA xDrive is $124 below the market price: compared with 46 listings at 19 dealers within 100 miles of Los Angeles.
Market comparison for the 2026 BMW 3 Series M340i NA xDrive. Market data current as of today, October 18.
The discount and payment history on the page covers cars of this trim on Hunter Lease; the discount on each date is the largest discount negotiated by Hunter Lease, the payment is the lowest payment of the month. It may be a different car of the same trim.
Similar Hunter Lease deal: 2026 Audi A6 Sedan Premium Plus quattro, $792 per month, 48 months, $3,000 due at signing.
Similar Hunter Lease deal: 2027 Genesis G80 2.5T AWD, $799 per month, 36 months, $3,000 due at signing.
Similar Hunter Lease deal: 2026 Audi S3 Base quattro, $815 per month, 48 months, $3,000 due at signing.

How to read these numbers

Due at signing on a lease is everything you pay on signing day: the first payment, the down payment, tax, the acquisition fee, the doc fee and registration.
Money factor is the lease interest rate set by the bank. Multiply it by 2400 to get an approximate APR.
Residual value is what the bank says the car is worth at lease end. A higher residual means a lower payment.
In California, lease sales tax is charged on each monthly payment and once at signing on the down payment (capitalized cost reduction), the acquisition fee and the doc fee, at the rate of the place where the car is registered. Registration (DMV) is not taxed, and tax is not charged on the full price of the car.
Hunter Lease is California’s platform for pre-negotiated new-car deals. You sign directly with the authorized dealer and the lender.

BMW 3 Series: estimated approval odds by buyer profile

The same conditions apply to every row: this 2026 BMW 3 Series M340i NA xDrive has a deal price of $72,920, $55,000 or more; the table shows our estimate of the odds, not an approval.

BMW 3 Series with a deal price of $55,000 or more: estimated approval odds for a lease and a loan by buyer profile
Buyer profile	Lease	Finance
Score 740+, 3+ years of US credit history, no negative items in the last 7 years, has had an auto loan or lease before, no co-signer	Moderate	Moderate
Score 740+, 3+ years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer	Low	Low
Score 740+, 3+ years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease	Low	Low
Score 680-719, 1 to 3 years of US credit history, no negative items in the last 7 years, has had an auto loan or lease before, no co-signer	Moderate	Moderate
Score 680-719, 1 to 3 years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer	Low	Low
Score 680-719, 1 to 3 years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease	Low	Low
Score 620-659, 6 months to 1 year of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer	Low	Low
Score 620-659, 6 months to 1 year of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease	Low	Low
Score unknown (answer "Don't know"), under 6 months of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer	Low	Low
Score unknown (answer "Don't know"), under 6 months of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease	Low	Low

Hunter Lease estimate from our deal experience, not a precise calculation. This is not a pre-approval. The bank makes the decision.

The estimates are for $3,000 down on a lease and $5,000 down on a loan.

Negative items: repossession, 60+ days late, bankruptcy, fraud. A co-signer never lowers the estimate: we show the better of the two, on your own credit or with the co-signer.

What moves the estimate in these rows: a first car loan or lease (low instead of moderate with a 740+ score, low instead of moderate with a 680-719 score).

The same BMW 3 Series in the format dealers advertise

The same 2026 BMW 3 Series M340i NA xDrive lease (39 months, 7,500 miles a year, ZIP 90210, 10.25% sales tax, credit tier 1 (740+)), calculated by Hunter Lease at several amounts due at signing: the payment before tax, the format dealers advertise, next to the payment with tax that you actually pay.

2026 BMW 3 Series M340i NA xDrive: 39-month lease, 7,500 miles a year, ZIP 90210, credit tier 1 (740+), calculated 10/18/2026
Due at signing	Payment before tax, as dealers advertise it	Payment with tax, as you pay it
$3,000, the main scenario on this page	$900.28/mo before tax	$992.19/mo with tax, of which $91.91 is tax
$3,999	$874.95/mo before tax	$964.63/mo with tax, of which $89.68 is tax
$4,999	$849.93/mo before tax	$937.05/mo with tax, of which $87.12 is tax
$5,999	$824.92/mo before tax	$909.47/mo with tax, of which $84.55 is tax

Every amount due at signing in the table already includes the first payment and the tax collected upfront. The fees are the $925 acquisition fee, the $85 doc fee and the $924.73 DMV registration: at $3,999, $4,999 and $5,999 they are fully inside the amount due at signing; at $3,000, $1,801.79 of them is inside and the remaining $132.94 is added to the monthly payment.

BMW 3 Series prices among Hunter Lease dealers today

A 2026 BMW 3 Series lease for 39 months, 7,500 miles a year, $3,000 due at signing, ZIP 90012, credit tier 1 (740+): from $454.22 to $691.99 a month with tax, median $624.80. 200 cars at 4 dealers.

All the figures, the sample and how we calculate: the BMW 3 Series lease page

All BMW 3 Series offers with their payments and terms, on one page: BMW 3 Series lease and finance deals in California.

Hunter Lease is rated 4.7 stars across 92 Google reviews, and this deal is curated by Azat Cutliahmetov.

See the interactive version, adjust term, mileage, down payment and ZIP at https://hunter.lease/deal/2026-bmw-3-series-m340i-na-xdrive-sedan-g88911-sb.