640d xDrive Convertible (2012-2018)

Can you afford a 2012-2018 BMW 6 Series 640d xDrive Convertible in 2025?

# 2012-2018 BMW 640d xDrive Convertible The BMW 640d xDrive Convertible combines open-air luxury with diesel performance, featuring a potent 3.0-liter turbocharged inline-six producing around 313 horsepower and massive torque. The xDrive all-wheel-drive system enhances all-weather capability—unusual for convertibles. Reviewers praise its refined cruising ability, impressive fuel economy for the class, and sumptuous interior, though some criticize its hefty curb weight and softer dynamics compared to sportier 6 Series variants. The retractable hardtop offers coupe-like quietness when raised. It's somewhat infamous for complexity and potentially expensive maintenance as it ages, particularly regarding diesel emissions systems in certain markets. **Best suited for:** Affluent drivers seeking a comfortable grand tourer for long-distance highway cruising, who appreciate diesel efficiency and torque while enjoying occasional top-down motoring. Ideal for those prioritizing luxury and refinement over outright sportiness.

The BMW 640d xDrive Convertible features expensive diesel maintenance including complex emissions systems (DPF, EGR) prone to costly failures. Convertible top mechanisms require periodic servicing. xDrive all-wheel-drive adds maintenance complexity. Insurance runs high due to luxury status and replacement costs. Diesel fuel economy partially offsets premium repair costs at BMW specialists.

Price Range

$32,000 - $54,000

Market price for 2025

Estimated Annual Costs

Insurance:$1,200

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