640i xDrive Coupe (2013-2017)

Can you afford a 2013-2017 BMW 6 Series 640i xDrive Coupe in 2025?

# 2013-2017 BMW 640i xDrive Coupe The BMW 640i xDrive Coupe represents the 6 Series' elegant GT proposition, blending luxury and performance with all-wheel-drive security. Powered by a turbocharged 3.0-liter inline-six producing 315 horsepower, it delivers smooth, effortless acceleration paired with BMW's refined 8-speed automatic transmission. Reviewers praise its sophisticated styling, sumptuous interior, and composed highway manners, though some criticize its hefty curb weight and numb electric steering compared to earlier BMWs. The xDrive system enhances year-round usability without sacrificing much driving engagement. Famous for its sleek, pillarless coupe design and opulent cabin, it's occasionally criticized for tight rear seats and limited practicality. **Best suited for:** Affluent buyers seeking a stylish daily driver or grand tourer combining luxury with capable all-weather performance—ideal for long-distance highway cruising rather than track-focused driving.

The 2013-2017 BMW 640i xDrive requires premium fuel and expensive synthetic oil changes every 10,000 miles. Common issues include turbocharger failures ($3,000-5,000), electronic problems, and cooling system leaks. Insurance costs are high due to luxury classification. Maintenance through BMW dealerships is significantly pricier than mass-market brands, though reliability improved over this generation.

Price Range

$27,000 - $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