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Lease a 2026 X3 30 xDrive for $549/month for 39 months. Click here to find yours.

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Can You Trade In a Financed Car?

Woman handing over car keys

 

Ever wondered, “Can you trade in a financed car?” Well, you absolutely can! However, keep in mind that your vehicle’s loan doesn’t go away because you’ve traded it in; you still have to pay off the remaining balance. Explore your options for trading in a financed car with BMW of Murrieta’s finance center.

Car Buying Tips Apply for Financing

How Does Trading In a Financed Car Work?

  1. Check your monthly statement to see how much you still owe on your vehicle.
  2. Use our Value Your Trade tool, or one from a website such as Kelley Blue Book, to retrieve the estimated value of your car. Note that this is just an estimate, and only once your car has been physically inspected will the dealership be able to determine exactly how much the car is worth.
  3. If the remaining balance on your auto loan is less than the dealership’s trade-in offer, then you can apply that leftover money to the purchase of a new car. For example, if you still owe $9,000 on your car in Corona, and the dealer offers you $10,000 to buy the car, the loan can be paid off and you’ll have $1000 to contribute towards your next car.
  4. If your auto loan’s remaining balance is more than the trade-in offer, this will result in you still owing money on your car–otherwise known as negative equity. You can either pay off the remainder of your loan in full before purchasing your next car, or the dealership may give you the option to roll over the balance into your next auto loan with the dealer.

What Does it Mean to “Roll Over” a Loan?

When Riverside shoppers have their auto loan rolled over, the dealership pays off their old loan no matter how much they owe. While this may sound like a great opportunity, rolling over a loan doesn’t mean that you aren’t obligated to pay that remaining balance. Rather the price gets added to the new loan on the next car you purchase, meaning you’ll have to pay the dealership back, simultaneously, for both the new and old loan. Want to learn more about what to do if your car isn’t paid off and still want to trade it in? Check out our newest blog.

Shop With BMW of Murrieta for Your Next Vehicle

Whether you’re looking to trade in a financed car for a lease, or you have more questions about the trade-in process, you can turn to the automotive experts at BMW of Murrieta for guidance. Contact us today, or stop by our dealership located near Ontario. Also, be sure to browse our new vehicle specials online to get a great deal on your next BMW.

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Hendrick Vehicle Disclaimer:

$85.00 Dealer Document Processing Charge included in advertised price.
All prices exclude all taxes, tag, title, registration fees, and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer. All vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale.

Additional Disclaimers:

Loyalty Offers available to qualified customers who have leased or financed a BMW model through BMW Financial Services NA, LLC in the last 12 months. In order to qualify for a BMW Loyalty Offer, loyal current or former BMW owners or lessees must show proof of ownership or BMW Financial Services account number and qualify for credit approval. Available Loyalty Offer of $5,000 off MSRP on select new 2026 BMW 750e xDrive Sedan models (consists of $4,000 BMW of North America, LLC contribution, plus $1,000 loyalty contribution from your BMW Center). Must take delivery by November 02, 2026. Availability of Loyalty Offers are subject to dealer participation. Visit your authorized BMW Center for important details. Purchase Credit: Valid on 2026 BMW i4 eDrive40 models. Through November 02, 2026, 3.99% APR financing for up to 24 monthly payments of $43.42 for every $1,000 financed, and 3.99% APR financing for up to 60 monthly payments of $18.41 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 02, 2026. Visit your authorized BMW Center for important details. Available Purchase Credit of $3,750 off MSRP for well qualified buyers.

Valid on 2026 BMW X5 xDrive40i models. Through September 30, 2026, 0.90% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.90% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through September 30, 2026. Visit your authorized BMW Center for important details. Available Purchase Credit of $1,000 off MSRP for well qualified buyers.

Valid on 2026 BMW X3 30 xDrive models. Through November 02, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 02, 2026. Visit your authorized BMW Center for important details. **Advertised lease offer is a national advertisement intended to be available on new 2026 BMW X3 30 xDrive models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer's Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer's actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $549 per month for 39 months is based on an adjusted capitalized cost of $49,990 (MSRP of $58,450, including destination and handling fee of $1,350, less $3,825 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,635, Lease Credit of $1,000, and SoCal Edition Package Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,825 capitalized cost reduction, $549 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $33,317, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. This X3 Offer requires SoCal Edition Package included in the vehicle build. SoCal Edition Package Credit of $1,000 is a credit against the MSRP of the vehicle. In order to qualify for the SoCal Edition Package credit, the applicable X3 30 xDrive model must be equipped with the SoCal Edition Package (Package Code: ZS9). Contact your local BMW Center for more details. Offer valid through November 02, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Valid on 2026 BMW 330i Sedan models. Through November 02, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 02, 2026. Visit your authorized BMW Center for important details. **Advertised lease offer is a national advertisement intended to be available on new 2026 BMW 330i Sedan models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer's Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer's actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $459 per month for 39 months is based on an adjusted capitalized cost of $46,685 (MSRP of $53,900, including destination and handling fee of $1,350, less $3,555 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,660, and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,555 capitalized cost reduction, $459 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $30,723, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 02, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Valid on 2026 BMW i4 eDrive40 models. Through November 02, 2026, 3.99% APR financing for up to 24 monthly payments of $43.42 for every $1,000 financed, and 3.99% APR financing for up to 60 monthly payments of $18.41 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 02, 2026. Visit your authorized BMW Center for important details. Available Purchase Credit of $3,750 off MSRP for well qualified buyers. **Advertised lease offer is a national advertisement intended to be available on new 2026 BMW i4 eDrive40 models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer's Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer's actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $549 per month for 36 months is based on an adjusted capitalized cost of $50,290 (MSRP of $60,700, including destination and handling fee of $1,350, less $3,375 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,285, and Lease Credit of $3,750). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,375 capitalized cost reduction, $549 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 30,000 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $33,385, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 02, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Valid on 2026 BMW X1 xDrive28i models. Through September 30, 2026, 1.99% APR financing for up to 24 monthly payments of $42.54 for every $1,000 financed, and 1.99% APR financing for up to 60 monthly payments of $17.52 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through September 30, 2026. Visit your authorized BMW Center for important details. **Advertised monthly lease payments of $499 per month for 39 months is based on an adjusted capitalized cost of $41,685 (MSRP of $47,750, including destination and handling fee of $1,350, less $3,175 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $1,890, and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,175 capitalized cost reduction, $499 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $.25/mile over $32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $26,740, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through September 30, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Valid on 2026 BMW 228 Gran Coupe models. Through November 02, 2026, 2.99% APR financing for up to 24 monthly payments of $42.98 for every $1,000 financed, and 2.99% APR financing for up to 60 monthly payments of $17.96 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 02, 2026. Visit your authorized BMW Center for important details. **Advertised lease offer is a national advertisement intended to be available on new 2026 BMW 228 Gran Coupe models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer's Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer's actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $429 per month for 39 months is based on an adjusted capitalized cost of $39,495 (MSRP of $44,100, including destination and handling fee of $1,350, less $2,405 capitalized cost reduction, $0 security deposit, and suggested dealer contribution of $2,200). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $2,405 capitalized cost reduction, $429 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $25,137, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 02, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Valid on 2026 BMW X5 xDrive40i models. Through November 02, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 02, 2026. Visit your authorized BMW Center for important details. Available Purchase Credit of $1,000 off MSRP for well qualified buyers. **Advertised lease offer is a national advertisement intended to be available on new 2026 BMW X5 xDrive40i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer's Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer's actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $869 per month for 39 months is based on an adjusted capitalized cost of $66,100 (MSRP of $76,250, including destination and handling fee of $1,450, less $5,135 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,015, and Lease Credit of $2,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $5,135 capitalized cost reduction, $869 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $39,650, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 02, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Valid on 2027 BMW X7 xDrive40i models. Through November 02, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 02, 2026. Visit your authorized BMW Center for important details. **Advertised lease offer is a national advertisement intended to be available on new 2027 BMW X7 xDrive40i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer's Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer's actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $969 per month for 39 months is based on an adjusted capitalized cost of $81,445 (MSRP of $94,000, including destination and handling fee of $1,550, less $6,795 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,760, and Lease Credit of $2,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $6,795 capitalized cost reduction, $969 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.3/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $49,820, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 02, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Through November 2, 2026, 2.49% APR financing for up to 72 months is available on 2022-2024 BMW Certified Pre-Owned iX models. A 72 month finance contract for a 2022-2024 BMW Certified Pre-Owned iX model, and an APR of 2.49%, requires 72 monthly installments of $14.97 per $1,000 financed. No down payment is required for well qualified customers. Offer valid through 11/02/2026. Offer available from participating BMW Dealers to eligible, qualified customers with excellent credit history who meet BMW Financial Services NA, LLC credit requirements. Not all customers will qualify for the lowest rate or down payment waiver. Other rates and terms available. All offers subject to vehicle availability.

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BMW of Murrieta is registered with the California Bureau of Automotive Repair. B.A.R. Registration #ARD299673. Phone: (951) 249-8000
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