This Is How Much My 2023 BMW M4 Competition Costs Per Month...

The car market is still crazy... interest rates are crazy... here's a transparent breakdown into the finances of owning this car. Going through the spec and sticker price of my 2023 BMW M4 Competition xDrive Coupe and monthly cost of ownership.

Timestamps:
0:00 - Vlog
2:02 - Missing Seatbelt Extenders
2:52 - My Window Sticker
4:10 - How I Got A Major Discount Off MSRP
5:39 - 5 Year Warranty And Free Maintenance
7:04 - Financing Details & Monthly Payment Amount
9:12 - Is It Worth That Much Money?

My socials:
Instagram - @hey_sai_y
Tiktok - @saiyerraguntla

[beatdadrop]

Very rare to find honest reviewers like these nowadays. I’m waiting to pay down my kia k5 and trade it in with its trade in value plus put some money down as well to get 2023 or 2024 m3 comp xdrive. Congratulations on your purchase, I’m so jealous 😂

[izzyizzyizzy]

That’s a beautiful BMW. Don’t listen to people judge you about what you choose to spend your money on. All our situations are different!

[joecovey]

That orange interior really pops. For most people, yeah, that's probably a mortgage, but everybody's finances are different and you say it's a comfortable payment for you and you obviously love it, , and that's what matters. It does seem like you got a great deal for a barely used car when for most cars I think the sticker is the lowest dealers go for new. Also, yeah, sucks that interest rates are going up.

[blackjackdoubledown]

Love your enthusiasm in reviewing your car and purchase. A car is not just a car when u buy a car that u have wanted for so long. Congrats!

[DreGunz]

Over 1700 for a car note is just crazy not worth it that’s a mortgage

[blaya]

Seems like you got a great deal. Good to hear your enjoying bmw life, even if no turn signals feels odd 😂

[kentao]

I lucked up with an allocation on my m3. Bad news is they didn’t lock in my rate so I ended up at 5.1% instead of 4.3 as I committed to but people were paying 6+%. I’m still upset about that plus they ordered it wrong. I financed for 7 yrs and no I don’t plan on taking that long because I hate paying a lot of interest. But for everyone’s info, I paid 13k down, sticker was about 84 and my monthly is 1231. Not cheap but like you said, worth it if you can pay it. This is my dream car and I went through a lot of school and work to get here. I probably bought a year earlier than I planned but Bmw is scaring me with threatening to discontinue the manuals! Lol. I’m hoping they do one more round in 2027/28 time period and I’ll get the last model with manual and keep it forever. Congrats on the purchase. I know I’m excited. Mine arrived in march and I’m already over 4K miles and I have another car just for work 😫. Point is, these car are FUN. I get excited when I have the chance to drive it to wherever!

[YoungGrizzly]

I just got new vehicles myself and the smile you have on your face tells me a lot. I know that feeling and it’s definitely worth the monthly note.

[UNisNWO]

That payment would be an albatross! I had an $1, 100 payment and after 6 months, I couldn’t wait to get rid of my Quadrifoglio. Loved the car, but that much money for a payment took the fun right out of it.

[kratos]

In South Africa, a similarly spec'd M4 Comp XDrive with around the same mileage will set you back around $105 000. Our prime lending rate is 11.75% at the moment. So, over 60 months with no deposit, we would have to fork out around $2350 per month. So consider yourself lucky, that's a bargain. Current exchange rate $1 = R18.76.

[Ahmari]

The first 3-5 years nothing happens but major problem start happening after 50k . I owned two bmws and warranty is there which is a good peace of mind however issues happens after 40k-50k . My water pump blew when my car had 35k miles which was covered and then again it blew after warranty and emission issued happened in 65k. Plus they depreciates like crazy however fun to drive

[brianbgood]

solid video. I have a 22 m440i Gran Coupe and that's enough for me. I love the M4 but with 4 dogs and a mountain bike, it just doesn't work. I make double payments a month of 1500 to pay it off and i still have have 24 months left. I can't justify 89k-95k.. Plus mpg of 16-18mpg with premium only of course. You did really well with this deal . I just struggle with the opportunity cost of what else I could invest that $ into .

[campeau]

Beautiful car and crazy money. I bought a new 2023 420d xDrive for half of what you paid, and diesel gas costs me $100/month (daily driver, 10K down, $400/mo, at 2%, living in Japan insurance is $800/yr) Yes, you can kick my butt on the highway by 4 seconds, but I'll trade the shame for the savings and the gas mileage (37mpg). It's a solid car and has seat-denting acceleration. You're younger and braver than me. Enjoy, and be safe!

[bookabk]

I have the same spec and pretty similar payment on a 2022..no regrets. Paying off aggressively 10k/month..4 months to go lol. It was my best “worst” financial decision to date

[vonfragyou]

🎉 congrats on your M4. Give yourself time to learn all the different ways you can use the drive modes. One thing that took me awhile was to use the drive stick to shift over paddles, makes for more intuitive manual driving. Enjoy your ride.

[cstrike]

You got ripped off big time, m4, m3 pre covid crazyness wen't for $800-$900 lease payment, you are paying $1768 is just insane for 90k car lol

[EDanny]

She has to work in tech with how awkward she is 😂

[patrickbyr]

Very enlightening. Enjoyed your recap and congrats on the vehicle! It's a stunner. I bought a similarly low mileage CPO Audi S4 last year and still am surprised it'll be under warranty for 6 years or 100K mi.

[anasryadi]

Honestly, with owning so many bmws I know that they stopped transferring the free services that come with the car so the only person who gets 3 years of maintenance is the original owner. The dealership could have gave you a maintenance part of the cpo program. I would definitely double check with them because I know forsure that if you bought the car directly from the owner, you wouldn’t have got any free maintenance. I hope that the sales person didn’t just give you false information about the 3 years maintenance.

[BEYSeamaster]

Gorgeous car. I drove one about 3 years ago. And an M3 on the weekend. The acceleration is insane. And the handling is out of this world. And the exhaust sound is good. As for the money, don’t worry. Enjoy the car. You only live twice. 😂