2026 BMW X1

Lease structure

Color

black

Location

New Jersey

Monthly (base)

$459/mo + tax

Due at signing

$4,422

Term

39 months

Miles / year

7,500

Money factor

0.00170 (4.1% APR)

Residual

57%

MSRP

$47,200

Selling price

$41,361

Broker fee

$699

How this scores

• Clutch Score

  MSRP vs. effective monthly — higher means more car for the payment
  44
• Discount off MSRP

  12.4% off vs ~8% brand avg
• Money factor vs buy rate

  1.1% APR markup
• Effective monthly vs segment

  $590/mo effective vs ~$550 segment
• Drive-off level

  $4422 down (~9.6 payments)
• Broker fee vs market

  $699 vs ~$500 market

Available in New Jersey

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