The 2015-2016 BMW 228i xDrive Convertible is a spirited, all-wheel-drive luxury compact, featuring a 240-hp 2.0-liter turbo four-cylinder engine. Reviewers noted its quick acceleration, hitting 60 mph in about 5.0 seconds, and praised the engaging, if slightly relaxed, driving experience. It garnered "Great" consumer ratings for quality and driving experience. The model is infamous for potential issues with the N20 engine's timing chain and oil consumption, especially in early 2015 models. Today, it serves as a desirable convertible for enthusiasts seeking a blend of performance, luxury, and all-weather capability, provided they budget for potential engine maintenance.
The 2015-2016 BMW 228i xDrive has potential reliability concerns with the N20 engine's timing and oil pump chains, often requiring engine replacement. Average annual maintenance is about $920. Insurance costs can average around $2,100-$2,300 yearly.
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