# 2013-2016 BMW X5 xDrive40d The X5 xDrive40d represents BMW's diesel-powered luxury SUV, featuring a potent 3.0-liter inline-six turbodiesel producing 255 horsepower and impressive 413 lb-ft of torque. This third-generation X5 combines on-road dynamics with premium accommodations and all-wheel-drive capability. **Critical Reception:** Reviewers praised its refined diesel engine, athletic handling uncommon in the segment, and luxurious cabin. The diesel's fuel efficiency (25+ mpg highway) impressed given the vehicle's size and performance. **Notable Issues:** Some owners reported turbocharger failures and DEF system problems. The diesel-gate emissions scandal affected resale values of diesel BMWs generally. **Best For:** Today, it suits buyers seeking a used luxury SUV with excellent torque for towing (6,000 lbs capacity), long-distance highway cruising efficiency, and BMW's renowned driving dynamics—provided diesel fuel availability and potential maintenance costs are acceptable.
The X5 xDrive40d diesel offers excellent fuel economy but faces significant maintenance costs typical of BMW luxury SUVs. The N57 diesel engine requires expensive DEF fluid refills and potential EGR/DPF system repairs ($2,000-4,000). Premium insurance rates apply. However, diesel reliability is generally strong if properly maintained with synthetic oil changes every 10,000 miles.
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