# 2009-2016 BMW Z4 sDrive28i The second-generation BMW Z4 traded its predecessor's roadster simplicity for a power-folding hardtop and more aggressive styling. The sDrive28i, introduced in 2012, features a turbocharged 2.0-liter four-cylinder producing 240 horsepower—offering spirited performance with better fuel economy than six-cylinder variants. Reviewers praise its sharp handling, well-balanced chassis, and luxurious cabin, though some criticize the numb electric steering and firm ride. The retractable hardtop provides coupe-like refinement with open-air freedom, though it compromises trunk space. The Z4 is famous for its dramatic styling and being more grand tourer than pure sports car. It's well-suited for driving enthusiasts seeking a stylish, practical convertible for weekend drives and comfortable highway cruising rather than track duty. Reliability is generally solid, though maintenance costs remain BMW-typical.
The 2009-2016 BMW Z4 sDrive28i features the reliable N20 turbocharged four-cylinder engine, though it's prone to timing chain issues before 50,000 miles. Expect premium fuel, synthetic oil changes, and higher insurance costs typical of luxury sports cars. The retractable hardtop mechanism can be expensive to repair if it malfunctions.
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