Скачать или смотреть Should You Lease or Finance the 2026 BMW M3 Competition? My Honest Answer...

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I’m making this video to help you decide whether you should lease or finance the 2026 BMW M3 Competition xDrive. And even though the monthly finance payment is about $10 cheaper, I genuinely believe leasing the BMW M3 makes more sense for most people.

Here’s why leasing a BMW—specifically the 2026 BMW M3 Competition xDrive—can be the smarter move:

First, BMW leases protect you from depreciation risk

You get GAP insurance included in most BMW lease agreements

You're covered against diminished value if the car is ever in an accident

And maybe the biggest reason: I think BMW set the residual value on this M3 too low, which means there’s a strong chance you’ll end up with positive equity at the end of your lease—potentially thousands of dollars you could put toward your next vehicle.

Now, when it comes to leasing vs financing a BMW, I’m usually pretty decisive. For example, leasing an electric vehicle is a no-brainer due to how fast EVs depreciate. But with the BMW M3 Competition, it’s a little more gray.

It really comes down to your personal situation.

For me, leasing the 2026 BMW M3 Competition xDrive makes the most sense.

But financing might be a better choice for you if:

You plan to own the car for 7 years or more

You want to modify your BMW

Or you drive more than 20,000 miles a year

So whether you’re thinking about a BMW lease deal, comparing BMW M3 financing options, or just curious about the best way to drive a 2026 BMW M3 Competition, I hope this helped break it down.

*This video is not financial advice, it is for educational and entertainment purposes only

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