BMW is a brand known for performance, luxury, and engineering excellence—but not all models age equally when it comes to resale value. For buyers planning to finance their purchase, value retention becomes a key factor. Why? Because when your BMW holds its value well, you’re left with more equity at the end of your loan term, making it easier to trade in, sell, or refinance.
If you’re considering entering into a financing agreement, here are seven BMW models that tend to retain their value better than others—making them ideal picks for smart, long-term BMW loans.
1. BMW M2
The BMW M2 is a high-performance compact coupe that has earned a cult following for its sharp handling, powerful turbocharged engine, and aggressive styling. Its limited production numbers and strong demand from driving enthusiasts help it hold value remarkably well.
Compared to larger M models, the M2 remains relatively affordable and has shown slower depreciation over time. Its reputation as one of the most “pure” BMW driving experiences contributes to high resale values—especially for well-maintained, low-mileage examples.
If you’re financing an M2, expect strong equity retention, particularly if you choose a manual transmission model, which is increasingly rare and in demand.
2. BMW X5
The BMW X5 is one of the most balanced luxury SUVs on the market. With its upscale interior, robust tech features, and refined driving dynamics, it appeals to both families and professionals alike. Among BMW’s SUV lineup, the X5 consistently ranks near the top in terms of resale value.
Buyers appreciate its blend of utility and luxury, which makes it a strong performer in the used market. Financing an X5 offers excellent value because it tends to retain more of its worth compared to similarly priced competitors, especially in higher trims or with desirable packages like the M Sport.
3. BMW 3 Series
A perennial best-seller, the BMW 3 Series is often considered the gold standard for compact luxury sedans. It combines performance, comfort, and technology in a package that holds mass appeal—both in the new and used car markets.
Because it’s such a popular lease and finance vehicle, there’s plenty of market data showing that the 3 Series, especially the 330i and M340i trims, holds its value well when properly equipped. Buyers looking to finance a model that balances affordability and resale potential would be wise to consider the 3 Series.
4. BMW M4
The BMW M4 is a high-performance coupe that delivers thrilling speed, rear-wheel-drive dynamics, and bold design. As part of BMW’s M lineup, the M4 benefits from strong enthusiast demand, which helps prop up resale values over time.
Limited-production models, special editions, or those with manual transmissions tend to retain their value especially well. If you’re taking out one of the many available BMW loans for an M4, you’ll likely see a better return when it’s time to sell—especially if you maintain the car well and keep mileage reasonable.
5. BMW X3
The X3 may not be as flashy as other models on this list, but its strong combination of practicality, performance, and luxury makes it one of the most value-stable vehicles in BMW’s lineup. As the compact SUV segment continues to grow in popularity, the X3 benefits from high demand on the used market.
Whether you go with the efficient four-cylinder xDrive30i or the more powerful M40i, financing an X3 provides a good chance of holding solid value over a 3–5 year term. It’s a smart option for drivers who want luxury and utility without worrying too much about depreciation.
6. BMW Z4
For drivers who want a roadster experience with modern technology and turbocharged performance, the BMW Z4 offers a compelling mix of fun and style. As convertibles become less common in the luxury segment, the Z4’s appeal and rarity help it maintain value better than many would expect.
The Z4 is also frequently overlooked, which limits supply on the secondary market—another value-boosting factor. If you’re financing a Z4, you can expect a healthy resale environment down the road, particularly for higher trims or well-optioned models.
7. BMW i4
The electric BMW i4 is one of the newest additions to the brand’s portfolio, but early indicators suggest it will retain value well—thanks to growing demand for electric vehicles, federal tax incentives, and BMW’s established reputation.
The i4 combines BMW’s driving DNA with the sustainability and innovation that EV buyers look for. Financing an i4 means getting into the EV game with a premium badge, and its expected long-term relevance and build quality give it an edge over many early competitors in the resale market.
When you’re financing a luxury vehicle, depreciation becomes more than a number—it directly affects your equity, your trade-in options, and your overall cost of ownership. Choosing a BMW model that retains its value helps protect your investment and positions you for stronger financial outcomes down the line.
Whether you’re drawn to the performance of the M lineup or the practicality of the X series, selecting a model known for holding value ensures that your BMW loans work smarter—not just harder—for your financial future.
