2026 BMW X5 Gas sDrive40i Sports Activity Vehicle 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 $774, reserve for county DMV fees and paperwork (Hunter Lease) $100
Payment by term and mileage (find your combo)
- 24 months: 7,500 mi/yr $1,299, 10,000 mi/yr $1,333, 12,000 mi/yr $1,368, 15,000 mi/yr $1,437
- 30 months: 7,500 mi/yr $1,128, 10,000 mi/yr $1,155, 12,000 mi/yr $1,182, 15,000 mi/yr $1,236
- 33 months: 7,500 mi/yr $1,066, 10,000 mi/yr $1,090, 12,000 mi/yr $1,115, 15,000 mi/yr $1,164
- 36 months: 7,500 mi/yr $1,014, 10,000 mi/yr $1,037, 12,000 mi/yr $1,059, 15,000 mi/yr $1,103
- 39 months: 7,500 mi/yr $951, 10,000 mi/yr $971, 12,000 mi/yr $991, 15,000 mi/yr $1,032
- 42 months: 7,500 mi/yr $1,064, 10,000 mi/yr $1,083, 12,000 mi/yr $1,102, 15,000 mi/yr $1,139
Specs, fuel economy and what is included
- EPA fuel economy (MPG): city 23, hwy 27, combined 25
- Specs: 3.0L I6 (decode of a car with the same VIN build code), RWD (decode of a car with the same VIN build code), SUV, 5 seats (decode of a car with the same 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; Rear cross-traffic avoidance with braking; Automatic parking assist; Front & rear parking sensors; Driver-attention monitor; Full airbag set incl. side-curtain
- Comfort: Panoramic roof; Power tailgate; Keyless entry & push-button 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); Over-the-air updates; Built-in Wi-Fi hotspot
- Interior: Synthetic leather seats
- Exterior: LED headlights; Projector headlights; Alloy wheels (R20)
- Equipment typical for this trim: VIN decode data for another car of the same model year and trim, not checked against this exact VIN.
Every number of this deal
Summary. 2026 BMW X5 sDrive40i Sports Activity Vehicle lease through Hunter Lease: $951 per month with tax, 39 months, $3,000 due at signing. 2026 BMW X5 sDrive40i Sports Activity Vehicle financing through Hunter Lease: $999 per month, 72 months, 1.99% APR, $5,000 down. The Hunter Lease price for the 2026 BMW X5 sDrive40i Sports Activity Vehicle is valid through Oct 11 at 10:00 PM.
Key numbers
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease payment: $951 per month with tax.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease due at signing: $3,000.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease term: 39 months. Mileage: 7,500 miles per year.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease payment before tax: $862 per month. Sales tax 10.25% for ZIP 90210.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle total paid over the 39 month lease: $39,119.
- How the 2026 BMW X5 sDrive40i Sports Activity Vehicle lease total adds up: $3,000 due at signing plus 38 monthly payments of $950.51, the exact payment before rounding to $951. That is $1,003 per month on average over the whole term.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease: money factor 0.0018 (BMW Financial Services program rate 4.32%, money factor = rate ÷ 2400), residual 52% (Hunter Lease estimate: the BMW Financial Services base-mileage residual adjusted for 7,500 miles per year), lender BMW Financial Services.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle finance payment: $999 per month, 72 months, 1.99% APR, $5,000 down.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle MSRP: $75,150.
- Hunter Lease user discount on the 2026 BMW X5 sDrive40i Sports Activity Vehicle: $10,034.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle price after incentives: $65,116.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle availability: in stock, stock updated October 9, 2026 at 7:11 AM Pacific Time.
- The 2026 BMW X5 sDrive40i Sports Activity Vehicle payment is calculated for ZIP 90210 and a 740+ credit score. The bank decides whether to approve the application.
- Hunter Lease service fee: $95 at booking. When do we refund $95? If the bank declines, the numbers go up by even 1 cent, or we can't find the car.
- Hunter Lease handles cars registered in California only. An SSN is required for the bank application.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle: dealer stock updated October 9, 2026 at 7:11 AM Pacific Time.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease bank program valid through: November 3, 2026.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease payment calculated: October 9, 03:44 PM PT.
How the payment is built
- 2026 BMW X5 sDrive40i Sports Activity Vehicle MSRP: $75,150 (dealer feed).
- 2026 BMW X5 sDrive40i Sports Activity Vehicle price for Hunter Lease users: $65,116, which is MSRP minus the $10,034 dealer discount.
- Minus the down payment applied to the 2026 BMW X5 sDrive40i Sports Activity Vehicle price: $56.20.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle adjusted cap cost, the amount the bank finances: $65,059.80 (Hunter Lease calculation).
- 2026 BMW X5 sDrive40i Sports Activity Vehicle residual value after 39 months: $38,721.70, 52% of MSRP (Hunter Lease estimate: the BMW Financial Services base-mileage residual adjusted for 7,500 miles per year).
- 2026 BMW X5 sDrive40i Sports Activity Vehicle depreciation: $675.34 per month, the adjusted cap cost minus the residual, divided by 39 months.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle rent charge: $186.81 per month, the adjusted cap cost plus the residual, times the money factor 0.0018 (BMW Financial Services program rate 4.32%, money factor = rate ÷ 2400).
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease payment before tax: $862.14 per month. Depreciation and rent charge are each rounded to the cent, so their sum can differ by a cent.
- 2026 BMW X5 sDrive40i Sports Activity Vehicle sales tax on the lease payment: $88.37 per month, 10.25% for ZIP 90210 (CDTFA tax table).
- 2026 BMW X5 sDrive40i Sports Activity Vehicle lease payment with tax: $950.51 per month (Hunter Lease calculation). The page rounds it to $951.
- What the $3,000 due at signing on the 2026 BMW X5 sDrive40i Sports Activity Vehicle lease is made of: first payment $950.51, down payment $56.20, tax 10.25% on the down payment, bank acquisition fee and dealer doc fee $109.29, dealer doc fee $85, registration (DMV), state fees $774, reserve for county DMV fees and paperwork (Hunter Lease) $100, bank acquisition fee $925.
Where these numbers come from
- Dealer feed: the 2026 BMW X5 sDrive40i Sports Activity Vehicle MSRP. The car was last seen in the dealer feed on Oct 6, 2026, 7:17 PM PT.
- Dealer price for Hunter Lease users: the $10,034 discount on the 2026 BMW X5 sDrive40i Sports Activity Vehicle.
- Bank program BMW Financial Services for the 2026 BMW X5 sDrive40i Sports Activity Vehicle: money factor 0.0018 (BMW Financial Services program rate 4.32%, money factor = rate ÷ 2400), residual 52% (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 PT, valid through November 3, 2026.
- CDTFA tax table: the 10.25% rate for ZIP 90210 in the 2026 BMW X5 sDrive40i Sports Activity Vehicle payment. Table effective Oct 1, 2026.
- Hunter Lease calculation: the adjusted cap cost, depreciation, rent charge and payment of the 2026 BMW X5 sDrive40i Sports Activity Vehicle. Computed Oct 9, 2026, 3:44 PM PT.
Comparison
- Similar Hunter Lease deal: 2026 Lexus NX 450h+ Premium AWD, $695 per month, 36 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2026 Audi Q7 Premium 45 quattro, $742 per month, 48 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2027 Genesis GV80 2.5T RWD, $751 per month, 24 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.
- The Hunter Lease service fee is paid once at booking. It is not part of the monthly payment or the due at signing amount.
- Hunter Lease is California’s platform for pre-negotiated new-car deals. You sign directly with the authorized dealer and the lender.
BMW X5: estimated approval odds by buyer profile
The same conditions apply to every row: this 2026 BMW X5 sDrive40i Sports Activity Vehicle has a deal price of $65,116, $55,000 or more; the figures in the table are estimated odds, not an approval.
| 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 | 63% | 61% |
| 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 | under 10% | under 10% |
| 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 | 45% | 44% |
| 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 | 52% | 50% |
| 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 | under 10% | under 10% |
| 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 | 45% | 44% |
| 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 | under 10% | under 10% |
| 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 | 45% | 44% |
| 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 | under 10% | under 10% |
| 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 | 45% | 44% |
Based on statistical data from Hunter Lease users. 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 your odds: we show the better of the two, yours alone or with the co-signer.
What moves the estimate in these rows: a co-signer (on a lease 45% instead of under 10% with a 740+ score and 3+ years of history, 45% instead of under 10% with a 680-719 score and 1 to 3 years of history, 45% instead of under 10% with a 620-659 score and 6 months to 1 year of history, 45% instead of under 10% with under 6 months of history), a first car loan or lease (under 10% instead of 63% with a 740+ score, under 10% instead of 52% with a 680-719 score) and the type of deal (on a loan the estimate is 1-2 points lower than on a lease, or the same).
The same BMW X5 in the format dealers advertise
The same 2026 BMW X5 sDrive40i Sports Activity Vehicle 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.
| 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 | $862.14/mo before tax | $950.51/mo with tax, of which $88.37 is tax |
| $3,999 | $836.58/mo before tax | $922.33/mo with tax, of which $85.75 is tax |
| $4,999 | $810.98/mo before tax | $894.11/mo with tax, of which $83.13 is tax |
| $5,999 | $785.39/mo before tax | $865.89/mo with tax, of which $80.50 is tax |
Every amount due at signing in the table already includes the first payment, the tax collected upfront and the fees: the $925 acquisition fee, the $85 doc fee and the $874 DMV registration.
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, and lock this price for a refundable $95 service fee at https://hunter.lease/deal/2026-bmw-x5-sdrive40i-sports-activity-vehicle-343481.