2021 bmw 5-series
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2021 BMW 5-Series
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What you must know before buying the BMW 5-Series

Matthew Keegan
Contributing Editor - October 3, 2020
  • 2020 5-Series available; 2021s arriving
  • Rebates: $4,000 APR credit
  • Financing: 0.9% APR for 60 months
  • Leases: From $499 for 36 months

BMW 5-Series available:

The BMW 5-Series has managed to stay competitive despite the popularity of the brand's SUVs. That said, you’ll still find incentives on this sedan.

Currently, the available versions include the 530i, 540i, 530e, 540d, and M550. Please note that 530e availability is limited and the diesel may be difficult to find.

Dealer stock on the 2020s is running low, but the first of the 2021s are now arriving. For 2021, the 5-Series features a slightly modified grille and a larger infotainment center touch-screen display. Check with your dealer to learn more, including lease and finance offers.

The current offers are in place through November 2, 2020. We're not expecting any changes before October.

An APR Credit plus a bonus:

BMW offers a $4,000 APR credit on the 2020 5-Series ($2,750 on the 2021s). This incentive is wrapped within the loan you’ll secure from BMW Financial Services. If you're a current BMW owner or are coming from a competing brand, a $1,000 loyalty/conquest bonus is available, but on the 2020s only.

Recent college graduates may be eligible for a $1,000 bonus, but you'll have to finance or lease one with BMW in order to get it. Please check with your local dealer for all the details.

A strong financing offer:

Just like most BMWs, the 2020 5-Series is eligible for 0.9-percent APR financing for 60 months when taking out a loan through BMW Financial. Choose a 2021 and the rate rises to 1.9-percent APR for 60 months.

BMW's financing rates are strong, which reflects another way the company is responding to the current coronavirus crisis.

Lease from $499 per month:

If you are a current BMW owner or are coming from a competing brand, you can lease a 2020 530i from $499 for 36 months with $5,074 due at signing (10,000 miles per year). This lease equates to an effective cost of $640 per month, which is a fair offer given its $56,395 MSRP. This deal includes the $1,000 conquest/loyalty incentive, thus you’ll pay more if you don’t qualify.

A lease on the 2021 530i is now in place. This one requires payments of $529 per month for 36 months with $4,999 due at signing. Your effective monthly cost is $668 and that's a fair deal.

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Advertised Lease Deals

530i Sedan
$529Monthly Payment
Term Length (months): 36
Due at signing: $4,999
Mileage: 10k
MSRP: $55,745
Deal Valid in: California
Expiration: 11/2/20

This ranks as an excellent deal based on our expert analysis of: vehicle price, length of lease term, amount due at signing, monthly payment, etc.

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CarsDirectPricing as of 10/25/20 in 90245
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Financing Incentives

Finance Bonus Cash APR Credit - FS Retail Finance/Select (Expires 11/2/20) Finance Bonus Cash available for qualified customers based on available credit when financing through manufacturer's captive finance company. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Contracts must be through BMW Financial Services. %Qualification% RVP Purchase Credit only available for retired AMP Cars/Demonstrators/Company Cars that are sold with an In-Service Date and more than 2,499 miles. Previously reported NA company vehicles with over 5,000 miles at the time of the first customer sale do not qualify for sales support cash. $2,750

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Leases For Similar Cars

Based on 2021 BMW 5-Series 530i 4dr Rear-wheel Drive Sedan - MSRP $55,195

Top BMW Deals & Must-Know Advice In October

BMW's offers continue to favor buying over leasing. Almost all vehicles feature a credit when financing, including 2021 models. In the case of the 2020 X3, low financing can... View All BMW Lease Deals

2021 BMW 5-Series Overview

Anthony Sophinos
Automotive Editor

What's New

The 5-Series is the progenitor of the midsize luxury sports sedan, and it has held forth over the segment in all that time by its combination of ritzy appointments and excellent driving dynamics. The updated 2021 BMW 5-Series leaves those attributes alone and instead focuses on new technology and fresh styling.

The updated styling isn't anything groundbreaking; its most apparent from up front, where a revised grille and bumper are paired with slimmer and more aggressive headlights. There's a new set of taillights in the rear.

On the tech front, 5-Series models now come standard with a 12.3-inch touchscreen that has navigation and Apple CarPlay and Android Auto as standard. A 12.3-inch all-digital instrument cluster has also been made standard.

Rounding out the changes is a new 48-volt mild-hybrid system. The centerpiece of this is a new starter-generator and auxiliary battery that allows for more frequent engine-off driving.

Choosing Your BMW 5-Series

The 5-Series is available in four trim levels: 530i, 530e, 540i, and M550i. Pricing starts at $55,195 including destination for the 530i and climbs to $77,795 for the M550i.

Engine Choices

Stick with the 530i and buyers will find a 2.0-liter turbocharged four-cylinder under the hood. The 530e also uses a 2.0-liter four-cylinder, but forgoes the turbo for an electric motor and a 12-kwh battery.

The 540i trades off the four-cylinder for BMW's long-preferred choice of an inline-six, a 3.0-liter turbo unit in this case. At the top of the heap sits the M550i that uses a 4.4-liter twin-turbo V8.

Engine TypeHorsepowerTorque0-60 mph TimeFuel Economy (Combined)
2.0L Turbo 4-Cylinder248 hp257 lb-ft5.9 seconds28 mpg
2.0L Turbo 4-Cylinder Plug-In Hybrid288 hp257 lb-ft5.7 secondsNot Yet Rated
3.0L Turbo 6-Cylinder335 hp331 lb-ft4.9 seconds27 mpg
4.4L Twin-Turbo V8523 hp553 lb-ft3.6 seconds20 mpg

All engines work with an eight-speed automatic transmission. All models save for the M550i get rear-wheel drive as standard. All-wheel drive, which is what's standard on the range-topping trim, is a $2,300 upgrade.

On the hybrid, a new overboost feature unlocks another 40 horsepower for up to 10 seconds when the throttle is depressed. Fuel economy and all-electric range are still to be determined, though last year's model was rated at 27 mpg combined and could go 21 miles on a charge, according to the EPA.

The 550i is well worth the price of entry for those who are otherwise considering the full-bore M5 (covered separately). But the 540i probably best captures the spirit of the 5-Series, with its silky inline-six and creamy power delivery.

Passenger and Cargo Capacity

All 5-Series models seat five people. However, rear leg room measures just 36.5 inches – less than what's offered by the Mercedes-Benz E-Class and Audi A6. The 56 inches of shoulder room can make three abreast a tight squeeze as well.

The 14 cubic feet of cargo space is about on par for a sedan of this size. Cargo capacity drops to 10 cubic feet in the 530e plug-in hybrid. The rear seats are also of the split-folding design for more space and versatility.

Safety Features

All 5-Series models get a comprehensive suite of active safety features, including: automatic emergency braking, lane departure warning, automatic high beams, blind-spot monitoring, rear cross-traffic alert, front and rear parking sensors, and adaptive LED headlights.

The Driver Assistance Plus Package ($1,700) tops that list off with adaptive cruise control, traffic jam assist, lane keeping assist, evasion aid assist, and front cross-traffic alert. An automated parking system and a surround-view camera system are bundled in the Parking Assistance Package ($800).


The 2021 model brings a dose of newly standard technology, including a larger 12.3-inch touchscreen and an all-digital instrument cluster of equal size. All models now come with navigation, and Apple CarPlay and Android Auto are also standard. Bluetooth, wi-fi capability, and multiple USB ports allow for seamless connectivity. Satellite radio and HD radio are bundled in as well.

Optional features include wireless charging, a head-up display, gesture control, and a 16-speaker Harman Kardon audio system.

530i - From $55,195

Standard equipment on the base 5-Series includes 18-inch wheels, a moonroof, an auto-dimming rearview mirror, ambient lighting, dual-zone automatic climate control, 16-way power front seats, leatherette upholstery, and keyless entry.

Of the many available options and packages, the most popular one will likely be the $850 Convenience Package, which includes heated front seats, remote start, and a power trunk. The Premium Package adds all that plus wireless charging, gesture control, a head-up display, and the Harman Kardon audio system for $2,700.

530e - From $58,195

The 530e is equipped identically to the 530i – the $3,000 upcharge is directly attributable to the hybrid powertrain. The setup includes the electric motor, 12-kWh lithium-ion battery, a 3.5-kW onboard charger, and a 1.2-kW charging cable.

540i - From $60,445

The 540i is also equipped similarly to the 530i, but this time with the 3.0-liter turbo six-cylinder engine. Perforated leather upholstery also comes standard.

The newly-available Dynamic Handling Package includes active roll bars, adaptive dampers, and multiple drive modes for $3,500.

M550i - From $77,795

The big kahuna of the lineup, the M550i sits at a much higher price point. Besides its hot-rod V8 and all-wheel drive, it also gets a power trunk, 19-inch wheels, an M Sport limited-slip differential with torque vectoring, upgraded brakes and suspension, an aerodynamic kit, a rear spoiler, and remote start.

The interior benefits from full leather upholstery, a leatherette dashboard, 20-way power front seats, heated fronts, and the 16-speaker Harman Kardon audio system.

Compare 5-Series Trims Side-By-Side

CarsDirect Tip

Of the models in the 2021 BMW 5-Series lineup, we'd get the 540i. It's classic BMW: well equipped, smooth, fast, sporting. In other words, it offers the perfect blend of luxury and performance. Pick a few options – the Premium Package and M Sport Package sound good to us – and head out the showroom a happy camper.

The Car Connection Awards and Rankings


The BMW 5-Series

2019 Driver's Choice

User's Favorite

  • Best Performance Car Nominee

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