2026 BMW 4 Series Lease Deals (November 2026): $659/mo
The current advertised 2026 BMW 4 Series lease offer is $659/mo for 39 months with $5,559 due at signing and 32,500 miles a year on the 430i (nationwide), valid through November 30, 2026. The program money factor is 0.00265 (6.36% APR equivalent) with a 54% residual. Across 2 trim and region offers on record, payments run $659–$979/mo.
By the CarWhere Research Team · Manufacturer lease program data · Updated daily · Last checked November 9, 2026
- Monthly
- $659/mo
- Term
- 39 months
- Due at signing
- $5,559
- Miles / year
- 32,500
- Money factor
- 0.00265
- Residual
- 54%
- Region
- nationwide
- Offer ends
- November 30, 2026
BMW 4 Series lease offers by trim and region
Advertised manufacturer lease offers on record — the lowest payment per trim and region, identical offers grouped. Tax, registration and your credit tier change the final number.
| Trim | Region | $/mo | Term | Due at signing | Miles/yr | Money factor | Residual | Ends |
|---|---|---|---|---|---|---|---|---|
| 2026 4 Series 430i | nationwide | $659 | 39 mo | $5,559 | 32,500 | 0.00265 | 54% | November 30, 2026 |
| 2027 4 Series M440i | nationwide | $979 | 39 mo | $7,979 | 32,500 | 0.00265 | 54% | November 30, 2026 |
Regions on record: nationwide.
How to tell if a 4 Series lease quote is good
- Compare all-in cost, not the payment. The headline offer costs about $30,601 over 39 months ($5,559 at signing plus the remaining payments) — $785/mo spread evenly. Put any dealer quote through the same math; a lower payment with more due at signing is not a better deal.
- Check the money factor. The program rate is 0.00265 (6.36% APR). Ask for the money factor in writing — if it is higher, the difference is dealer markup and is negotiable.
- Confirm the residual. The program residual is 54% for this term and mileage. Residuals are set by the lender, so a quote using a lower one raises your payment for no reason.
- Make sure lease cash is applied. Up to $1,000 in BMW lease support is active on the 4 Series; it should reduce the capitalized cost line on the worksheet.
- Negotiate the price first. Advertised payments assume a set selling price. Negotiating the capitalized cost lowers the payment on any term — run your numbers in the lease calculator.
FAQ
What is the best 4 Series lease deal right now?
As of November 2026, $659/mo for 39 months with $5,559 due at signing on the 2026 BMW 4 Series 430i (nationwide), through November 30, 2026. Spread over the term that is about $785/mo all-in before taxes and fees.
What is the money factor on a 4 Series lease?
0.00265 on the current program — a 6.36% APR equivalent (money factor × 2400), with a 54% residual. That is the manufacturer program rate for top-tier credit; a dealer quote above it includes a markup you can ask to remove.
Is $0 down available on the 4 Series?
The advertised 4 Series offers on record ask $5,559–$7,979 due at signing. Rolling $5,559 into a 39-month lease adds roughly $143/mo (a little more with the money factor), so a zero-down version of the headline offer lands near $785/mo.
When does the current 4 Series lease offer end?
The headline offer is valid through November 30, 2026. Manufacturer lease programs usually change at the start of each month; this page regenerates daily from the current programs.