640i Gran Coupe (2013-2018)

Can you afford a 2013-2018 BMW 6 Series 640i Gran Coupe in 2025?

The 2013-2018 BMW 640i Gran Coupe is a sleek four-door luxury coupe blending 6 Series style with practical rear seats and trunk space. Powered by a turbocharged 3.0-liter inline-six producing 315-320 horsepower, it delivers BMW's signature driving dynamics with composed handling and strong acceleration. Reviewers praise its elegant styling, upscale cabin, and engaging performance, though some criticize its firm ride and tight rear headroom despite the four-door configuration. It's known for sophisticated design that ages well and impressive technology features. Today, it suits buyers seeking a distinctive alternative to traditional sedans—ideal for executives wanting sporting character with added practicality. Well-suited for highway cruising and spirited drives, though rear-seat space disappoints taller passengers. Values have depreciated significantly, making it an intriguing used luxury option for enthusiasts prioritizing style and performance.

The 2013-2018 BMW 640i Gran Coupe incurs premium maintenance costs typical of luxury German vehicles, including expensive oil changes, brake services, and potential turbocharger issues. The N55 engine is generally reliable but may experience water pump and valve cover gasket failures. Insurance costs are high due to luxury classification and expensive replacement parts.

Price Range

$28,000 - $52,000

Market price for 2025

Estimated Annual Costs

Insurance:$1,800

Maintenance:$3,500

Affordability Calculator

We have preconfigured our calculator for this vehicle

Enter Your Information

Calculation Type

Vehicle Details

Year

The model year of the vehicle you're considering purchasing.

Make

The manufacturer or brand of the vehicle (e.g., Toyota, Ford, BMW).

Model

The specific model name of the vehicle (e.g., Camry, F-150, X3).

Trim

The trim level or package (e.g., Base, Sport, Limited). Optional but helps with accuracy.

Vehicle Price*

The total purchase price of the vehicle before taxes, fees, and trade-in value.

Payment Method

Additional Details

Loan Parameters

Loan Term (months)

The length of your auto loan in months. Common terms are 36, 48, 60, or 72 months.

Interest Rate (%)

The annual percentage rate (APR) for your auto loan. Check with lenders for current rates.

Down Payment

The amount you'll pay upfront toward the vehicle purchase, reducing the loan amount.

Cost Adjustments

Trade-in Value

The estimated value of your current vehicle if trading it in toward the purchase.

Sales Tax (%)

The sales tax rate percentage charged on vehicle purchases in your location.

Additional Monthly Costs

Insurance

Your estimated monthly auto insurance premium. Get quotes for accurate estimates.

Maintenance

Average monthly cost for maintenance, repairs, and upkeep of the vehicle.

Other Debt Pmts

Your total monthly payments for other debts (credit cards, student loans, etc.).

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