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If you're putting down $13,000.00, that's essentially a full MSRP deal if you're really getting a base M340i xDrive with no options and no delivery credit & 3-month lease credit:
MY20 MSRP M340i xDrive: $62,100.00, 48 months @ 3.99% with 43% residual on $13,000 downpayment would be $732.71 after taxes - different dealer fees and charges would get you to +/- $750/month.
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