2013 BMW 528i XDrive Engine very sick

Asked by Terry Mar 01, 2020 at 03:39 PM about the 2013 BMW 5 Series 528i xDrive Sedan AWD

Question type: Maintenance & Repair

Hello, I made a similar post on another forum and figure reaching out can help.
I have a 2013 5series turbo which found out Friday the engine is shot. Found
copper and metal in the oil. And yes, it was maintenance as required.

Monday 3/2 I am going to find out how much BMW will help in financing a
used engine. They said they are interested in helping but not sure how much.
The car is a 2013 75k miles. I would say stuff like this shouldn't happen but
after researching the issue the past week, it seems common.

My question is - what would a used engine & labor cost? I received $16k from
the BMW dealership and $8k from the local shop. The local shop said labor is

Do I accept what BMW is willing to pay? I cannot pay $8k on a car I still owe
$15k. I wonder if BMW would just eat up what they are willing to pay and help
me pay the $15k loan down. Example, BMW gives me $8K so my loan would
be $7k in which I would finance a new BMW.

Let me share what a used car dealer told me many years ago. Buying a used
car is like getting married. For better or for worst ;-)

1 Answer


Yes, there was an issue with the N20 4 cylinder engines which involved the timing chained guides breaking part duet a worn tensioner. BMW added an extended warranty for 7 years or 70000 mile when mainy owners complained and had to replace engines. You are just out of that warranty. Is the $16K and $8K the prices you were quoted to have a used engine installed? Is the $8K from a BMW independent garage who have done a swap already? Then I would go that route. You can get a personal loan if you had to pay finance it. The BMW price is too much. I personally only like to deal with a dealer when the car is under warranty, yours isn't. Your last paragraph, are you asking if the dealer will buy your current vehicle for $8K that has a damaged engine? You will still owe $7K if you have a $15K loan. Are you saying you will roll that into another car loan? That isn't a good idea, as you will be upside down on your car loan. Gap insurance and maybe a higher interest rate will add extra costs. Fix the current car, and drive it for many years way till the loans are paid off. Maybe even drive it a few more years with now auto loan payments.

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