The 2007-2013 BMW 120d Convertible is a rear-wheel-drive, four-seat premium compact car often praised for its handling, torquey diesel engine, and good fuel economy. Enthusiasts and reviewers appreciate its fun-to-drive character and balanced feel, though some note the steering lacks the feedback of earlier BMWs and the car can feel restricted without a limited slip differential (LSD). Infamously, models from late 2007 onward, equipped with the N47 engine, are known for potential timing chain issues. In today's context, the 120d is well-suited as a spirited commuter car, offering a blend of performance and efficiency for daily driving.
The 2007-2013 BMW 120d Convertible (N47 diesel engine) is known for potential timing chain issues, requiring preventative maintenance like frequent oil changes and inspection. Other common concerns include water pump, air conditioning, and electrical malfunctions.
Affordability Calculator
We have preconfigured our calculator for this vehicle
Why Use This Calculator?
Unlike calculators from banks or dealerships that may encourage overspending, our tool provides neutral, conservative estimates based on proven financial principles. Whether you're financing or paying cash, we help you understand what you can truly afford.
For Loan Financing:
- •Safe Range: Follows the , ensuring you can comfortably afford your car payment
- •Stretch Range: A moderate approach that balances affordability with your goals
- •Lender Max: What banks typically approve, but may strain your budget
For Cash Purchases:
- •Conservative: Uses 5% of net worth, maintaining strong financial reserves
- •Safe: Uses , following the recommended guideline
- •Stretch: Uses 15% of net worth, for when you want to prioritize the car