BMW X3 lease deals in California

Bottom line as of Oct 18, 2026

Terms for every figure below: lease, 39 months, 7,500 miles a year, $3,000 due at signing, credit tier 1 (740+), ZIP 90012 (Los Angeles, California), payments with tax, Hunter Lease calculation of Oct 18, 2026, 6:28 PM PDT.

• Lowest payment. Of the 197 listed 2026 BMW X3 leases in ZIP 90012, a 30 xDrive Sports Activity Vehicle has the lowest payment: $592.50 a month with tax, as of Oct 18, 2026.
• Listed here. 197 offers for a 2026 BMW X3 lease from 4 dealers Hunter Lease works with, ZIP 90012: $592.50 to $1,185.11 a month with tax, median $774.78, as of Oct 18, 2026.

2026 BMW X3 lease prices by trim

Hunter Lease, the lowest-payment car of each trim (of 169 30 xDrive Sports Activity Vehicle and 28 M50 xDrive Sports Activity Vehicle offers). Payments with tax, credit tier 1 (740+); the earliest end among the cars on this page is Oct 18, 2026, 10:00 PM PDT. Finance and the amount due at signing switch in the filters above.

• 2026 BMW X3 30 xDrive Sports Activity Vehicle via Hunter Lease: from $593/mo with tax, 39 mo, 7,500 mi/yr, $3,000 due at signing, ZIP 90012, 10/18/2026.
• 2026 BMW X3 M50 xDrive Sports Activity Vehicle via Hunter Lease: from $972/mo with tax, 39 mo, 7,500 mi/yr, $3,000 due at signing, ZIP 90012, 10/18/2026.

Payments by credit tier

The same 2026 BMW X3 30 xDrive Sports Activity Vehicle lease (39 months, 7,500 miles a year, $3,000 at signing, ZIP 90012), calculated by Hunter Lease for each credit tier the site prices. Everything except the tier is the same. The bank confirms your tier when it reviews your application.

Base scenario of this page.

The bank program for these payments is valid through November 3, 2026. The payments are valid through Oct 18, 2026, 10:00 PM PDT: the earliest end among their parts (bank program, manufacturer rebates, the discount negotiated by Hunter Lease).

Each card shows when the car was last seen in the dealer's inventory feed · California DMV license #21138 · reviewed by Azat Cutliahmetov

BMW X3 full cost: lease, $0 due at signing, finance

2026 BMW X3 30 xDrive Sports Activity Vehicle, the lowest-payment car (vehicle-543272): Hunter Lease calculation with tax for ZIP 90012, credit tier 1 (740+), computed 10/18/2026, 6:28 PM PDT. Effective monthly is each total divided by the number of months. In the lease row the first payment is inside the amount due at signing and is counted once. In the $0 row the first payment is rolled into the monthly payments. Insurance, energy and maintenance are not included.

Where these numbers come from: money factor 0.00145 and residual 58% from the bank lease program in the Hunter Lease engine, program ends November 3, 2026; BMW lease cash $1,000 through October 31, 2026; sales tax 10.25% for ZIP 90012; acquisition fee $925, doc fee $85, DMV $746.87 from the engine's calculation for this car; dealer feed checked 10/16, 3:00 AM PDT; calculated 10/18/2026, 6:28 PM PDT. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates. How Hunter Lease calculates a payment · California lease taxes and fees

True $0 due at signing on the BMW X3

Lease with true $0 due at signing: 2026 BMW X3 30 xDrive Sports Activity Vehicle, $681/mo with tax, 39 mo, 7,500 mi/yr, ZIP 90012, 10/18/2026. Nothing is due when you sign, not even the first monthly payment: the acquisition fee $925, the doc fee $85, DMV registration $746.87 and the upfront tax are inside the monthly payment.

"$0 down" is not the same thing: it says only that there is no down payment, not whether the first payment, fees and taxes are due at signing. Here none of that is due at signing: it is spread over the monthly payment, which is why the same car costs $88 more per month than with $3,000 due at signing.

Why the payment is final

The monthly payment on each card is final for that car and for the terms it was calculated with: credit tier, the ZIP where the car is registered, term, annual mileage, the amount due at signing and the programs applied to it.

For example, the lowest monthly payment here is calculated for tier 740+, ZIP 90012, 39 months, 7,500 miles a year, $3,000 due at signing.

If the bank confirms the credit tier you picked and the other terms stay the same, you get the payment shown on the card.

Approval and the credit tier are decided by the bank during the application, separately from the price.

Another tier, ZIP, term, mileage or amount at signing is a different scenario with its own payment: pick it in the filters above and the cards are recalculated.

Will I get approved?

Pick your score and answer four more questions: the estimated approval odds appear below.

BMW X3: estimated approval odds by buyer profile

The same conditions apply to every row: a BMW X3 with a deal price under $55,000 (the lowest-payment 2026 BMW X3 30 xDrive Sports Activity Vehicle is $50,788); the table shows our estimate of the odds, not an approval.

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 co-signer (on a lease, moderate instead of low with a 740+ score and 3+ years of history, moderate instead of low with a 680-719 score and 1 to 3 years of history, moderate instead of low with a 620-659 score and 6 months to 1 year of history, moderate instead of low with under 6 months of history) and a first car loan or lease (low instead of moderate with a 740+ score, low instead of moderate with a 680-719 score).

BMW X3 rebates and who gets them

Amounts from the bank and manufacturer programs in today's calculation; general ones are in the payments, conditional ones are not.

• for everyone BMW lease cash: $1,000 on the 30 xDrive Sports Activity Vehicle, through October 31, 2026. It is in every lease payment on this page.
• Discount negotiated by Hunter Lease on 118 of these 197 cars this cycle, up to $7,145; it is in their payments.

The same BMW X3 in the format dealers advertise

The same 2026 BMW X3 30 xDrive Sports Activity Vehicle lease (39 months, 7,500 miles a year, ZIP 90012, 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.

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 $746.87 DMV registration.

BMW X3 prices among Hunter Lease dealers today

197 cars at 4 dealers Hunter Lease works with, as of Oct 18, 2026, 6:28 PM PDT. Prices at other dealers are not in these figures.

How we calculate: the payment comes from the Hunter Lease calculator on the bank's rates for each car and already includes sales tax for ZIP 90012; the scenario is a lease for 39 months, 7,500 miles a year, $3,000 due at signing, ZIP 90012, credit tier 1 (740+); calculated 10/18/2026, 6:28 PM PDT.

Market within 100 miles of Los Angeles

Listings at all dealers within 100 miles of Los Angeles, not only at the dealers Hunter Lease works with.

How we compare: the sample is listings of new cars with a price, for the same year, make, model, trim, drivetrain and powertrain, within 100 miles of Los Angeles, at all dealers and not only the dealers Hunter Lease works with. A listing price is the price a dealer shows on its site, not a final sale price and not a lease payment. Cars in the sample carry different options, so the estimate for one car is its MSRP multiplied by the median listing price and divided by the median MSRP of the sample. A sample smaller than 8 listings is not shown.

BMW X3 lease questions and answers