The 2010–2017 BMW 520d Sedan (F10 generation) is a luxury executive sedan praised by reviewers for its impressive fuel economy from its diesel engine, comfort, and enhanced driving experience. Enthusiasts often recognize it for its efficient turbo-diesel engine options (N47D20 or B47D20). It is somewhat infamous for potential timing chain issues, especially with maintenance neglect, and various recalls (airbags, VANOS screws). Today, the 520d is well-suited for commuters and business professionals seeking a balance of luxury, long-distance comfort, and exceptional diesel efficiency.
The 2010-2017 BMW 5 Series models face reliability concerns like premature wear on brakes and timing chain components, leading to potentially high repair costs. Insurance costs average higher than minimum coverage.
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