Hi Adam,
Uh... the BMW X3 happens to be one of the most expensive SUVs around... I would think that it'll cost about $300,000. Assuming you've the dough to even pay the 20% downpayment of $60,000 (itself enough to buy a Hyundai or a complete studio setup with Broncolor lights, Hasselblad system and PhaseOne H25 digital back etc), you'd have to fork out $26880 every year at 12% interest rate, which works out to $2240 monthly.
To put it in perspective, for the money spent on a BMW X3, you can support 20 poor kids for their daily meals, for over 8 years based on $5 a day (charity figures quoted here). So everyday that you missed driving the X3, you can ensure that 20 kids do not go hungry. Spend the money on the Schoolchildren Pocketmoney Fund instead. Yeah!