Deal audit · $39 flat

Is your BMW M lease quote fair?

You paste the numbers from the dealer's quote sheet. Within 24 hours a human rebuilds the payment from scratch, compares the money factor to the published BMW Financial Services rate for your model, term and mileage, and replies with one of two things: "this is fine", or "here's the $X you're overpaying, and the exact line to push back on."

What you'll enter after paying

Everything is on the dealer's quote sheet or lease worksheet. If a line isn't on yours, ask for it; a dealer that won't show the money factor is telling you something.

• Year, model and trim; MSRP and selling price
• Acquisition fee, doc fee and any add-ons (etch, nitrogen, paint protection, GAP, wheel & tire…)
• Cash down, rebates and trade equity
• Money factor (0.00135 or "1.35" both work), residual %, term and miles per year, number of security deposits
• Your registration city or ZIP (California taxes each payment at your address, not the dealer's)
• The quoted monthly payment and due-at-signing

What you get

• The payment rebuilt from the quote's own numbers, next to what you were quoted
• Money factor as APR, compared with the published buy rate for your program and MSDs, with the markup in dollars over the term
• Each add-on called junk, worth a look, or fine
• A plain-English verdict by email, within 24 hours

Refunds

If we can't audit your quote (wrong brand, not a lease, numbers missing and no reply), you get a full refund. Otherwise the fee is non-refundable once the verdict is sent.

Audits are informational estimates, not legal, tax or financial advice; verify all figures with BMW Financial Services and your contract. Takeover Board is an advertising venue and educational service. We are not a dealer, broker, lessor or lender, do not negotiate, and receive no compensation from dealers or BMW Financial Services.