# 2002-2003 BMW X5 4.6is The X5 4.6is represented BMW's first foray into high-performance SUVs, featuring a naturally aspirated 4.6-liter V8 producing 340 horsepower. This rare, hand-built variant came with sport-tuned suspension, upgraded brakes, and distinctive styling cues. **Critical Reception:** Enthusiasts praised its surprisingly agile handling and genuine driver engagement, though some criticized its firm ride and thirsty V8. Reviewers celebrated it as the performance SUV benchmark of its era. **Notable Aspects:** Famous for being BMW's answer to the Porsche Cayenne before it existed, and infamous for expensive maintenance, particularly cooling system failures and transmission issues. **Today's Context:** Best suited for BMW enthusiasts seeking weekend driving enjoyment with utility. Requires deep pockets for maintenance and premium fuel. Not ideal as primary family transport due to reliability concerns and 15 mpg combined fuel economy.
The 2002-2003 BMW X5 4.6is features expensive maintenance including costly cooling system failures, transfer case issues, and window regulator problems. The high-performance V8 requires premium fuel and frequent oil changes. Parts and labor are pricey at BMW rates. Insurance costs are elevated due to high replacement value and performance classification. Reliability is below average for its class.
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