# 2008-2013 BMW X5 3.0sd The X5 3.0sd represents BMW's diesel-powered luxury SUV from the second generation (E70). Equipped with a 3.0-liter twin-turbo inline-six diesel producing around 282 horsepower and massive torque, it delivers impressive performance with respectable fuel economy. Reviewers praised its refined diesel engine, athletic handling uncommon in SUVs, and premium interior. The 3.0sd was particularly celebrated in Europe where diesel variants dominated. However, it's infamous for potentially expensive maintenance, particularly issues with the twin-turbo system, injectors, and electronics as it ages. Today, it suits buyers seeking a spacious, capable luxury SUV with strong towing capacity and long-distance comfort. Ideal for highway commuters and families who value driving dynamics but can budget for BMW maintenance costs. The diesel's durability and efficiency make it attractive for higher-mileage drivers.
The X5 3.0sd diesel features reliable BMW/VM Motori inline-six engine with timing chain (not belt). Watch for DPF clogging ($2,000-3,000), carbon buildup requiring walnut blasting ($500-800), and swirl flap failures. Transfer case and turbo issues possible. Premium fuel/DEF required. Insurance costs typical for luxury SUV. Generally more reliable than gasoline counterparts.
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