The 2014-2016 BMW 428i xDrive Convertible represents BMW's mid-cycle rebranding of the 3-Series coupe lineup into the 4-Series. Powered by a refined 240-hp turbocharged 2.0-liter four-cylinder paired with all-wheel drive, it delivers balanced performance and year-round capability with the retractable hardtop's open-air appeal. Reviewers praise its sharp handling, upscale interior, and the elegant three-piece folding hardtop that operates in just 20 seconds. Critics note the firm ride and tight rear seats typical of convertibles. The 428i is famous for exemplifying BMW's sports-luxury ethos in a stylish, practical package. It's well-suited for driving enthusiasts seeking a premium daily driver with weekend entertainment value—particularly those in variable climates who appreciate xDrive's confidence in inclement weather while maintaining the joy of top-down motoring.
The 428i xDrive is generally reliable for a BMW, but expect higher-than-average maintenance costs including premium fuel, expensive brake replacements, and potential issues with the convertible top mechanism ($2,000-3,000 repair). Insurance runs high due to convertible/luxury status. The N20 turbocharged engine may experience timing chain and coolant system problems requiring costly repairs around 60,000-80,000 miles.
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