Two Philosophies, One Price Bracket
The 2018 BMW M2 Competition and the Mercedes-AMG A45 S occupy nearly identical price territory but arrive at that number from opposite engineering doctrines. This section explains why the comparison matters: one car is a rear-drive, inline-six analog holdout; the other is an AWD, turbo-four technology showcase. Both compete for the same buyer’s discretionary dollar.
Buyers with $5M or more in liquid assets rarely cross-shop these two cars by accident. Both land in the mid-$60,000-to-$90,000 range depending on market and options, both wear a badge with genuine motorsport pedigree, and both get discussed in the same breath by enthusiast press. But the M2 Competition and A45 S were built by teams with fundamentally different answers to the question of what a performance car should feel like. BMW kept the M2 rear-wheel drive, kept a manual gearbox on the options list, and built around a naturally progressive inline-six. Mercedes-AMG went the other direction entirely: all-wheel drive, a dual-clutch-only transmission, and a turbocharged four-cylinder engineered to extract nearly as much power from two fewer cylinders and a third less displacement.
Neither approach is wrong. The mistake is treating this as a horsepower argument when it’s really an ownership-thesis argument. Borro’s own comparison frames it plainly: the BMW is “more engaging and analog,” while the AMG is “more clinical and brutally effective” (Borro, 2018 BMW M2 Competition vs. Mercedes-AMG A45 S). That framing should guide every decision that follows, including whether one of these cars belongs in your garage as a driver’s car or as an asset you might eventually use as loan collateral.
Under the Hood: Inline-Six Turbo vs. Power-Dense Turbo-Four
The M2 Competition uses BMW’s S55 3.0-liter twin-turbo inline-six, rated at roughly 404-410 hp in period-correct 2018 spec. The A45 S uses Mercedes-AMG’s 2.0-liter M139 turbo-four, rated at 421 hp, one of the most power-dense production four-cylinder engines built.
Here’s where the spec sheets get genuinely confusing, and worth addressing directly rather than picking one number and pretending it’s settled. Borro’s own comparison lists the 2018 M2 Competition at 405 hp and 406 lb-ft, run through the S55 twin-turbo inline-six in rear-wheel-drive form with a 6-speed manual or 7-speed DCT (Borro, 2018 BMW M2 Competition vs. Mercedes-AMG A45 S). CarWale’s period-correct 2018-2022 spec table lands close to that at 404 bhp (CarWale, Mercedes-Benz AMG A45 S vs BMW M2 2018-2022). That’s the figure to anchor on if you’re evaluating an actual 2018 model.
Where things diverge is in later coverage. Evo’s road test lists the M2 it drove at 454 bhp, and CarsGuide’s Australian comparison cites 338 kW, or roughly 453 hp (Evo, BMW M2 v Mercedes-AMG A45 S; CarsGuide, BMW M2 vs Mercedes-Benz A45). Both of those figures almost certainly reflect the later-generation M2 Competition or a different regional tune, not the original 2018 US-spec car. If you’re shopping a used 2018 model specifically, treat the 404-410 hp range as the honest baseline and treat anything above 450 hp as later-model data that doesn’t apply to your car.
The A45 S figures are far more consistent across sources. Borro, CarWale, and Crystalauto all cite 421 hp and 369 lb-ft from the M139 (Borro; CarWale; Crystalauto, Pragmatism vs Temperament). Evo’s tested car came in slightly lower at 415 bhp, likely reflecting as-tested dyno variance rather than a spec difference. The M139’s real party trick isn’t the peak number, it’s the density: 2.0 liters producing over 420 hp puts this engine among the highest specific-output four-cylinders ever put into a production car, a distinction CarWale calls out explicitly in its side-by-side (CarWale, BMW M2 vs Mercedes-Benz AMG A45 S).
The drivetrain difference matters as much as the output numbers. The M2 stays rear-wheel drive with a mechanical limited-slip differential, meaning all that torque has to go through two tires and a driver’s right foot with no electronic AWD safety net. The A45 S runs Mercedes’ 4Matic+ all-wheel-drive system, which can send up to 100% of torque to the rear axle in Sport+ but still has four contact patches sharing the load under hard acceleration.
BMW M2 Competition
Engine: 3.0L twin-turbo inline-six (S55)
Output: 404-410 hp / 406 lb-ft
Drivetrain: RWD, mechanical LSD
Standout trait: manual-gearbox availability and rear-drive analog feedback
Mercedes-AMG A45 S
Engine: 2.0L turbo inline-four (M139)
Output: 421 hp / 369 lb-ft
Drivetrain: AWD (4Matic+), DCT only
Standout trait: highest specific-output four-cylinder in its class
The Numbers: 0-60, Top Speed, and Power-to-Weight
Independent testing consistently shows the A45 S is quicker to 60 mph, typically by two to four tenths of a second, while the M2 Competition holds a higher top-speed ceiling in some unrestricted testing. Power-to-weight favors the A45 S slightly, but the margin is smaller than the horsepower gap suggests.
Borro’s own figures put the 0-60 mph sprint at roughly 4.0 seconds for the M2 Competition versus 3.9 seconds for the A45 S, with top speeds of 155 mph and 168 mph respectively (Borro, 2018 BMW M2 Competition vs. Mercedes-AMG A45 S). Evo’s track-based testing found a wider 0-62 mph gap: 4.3 seconds for the M2 against 3.9 seconds for the A45 S (Evo, BMW M2 v Mercedes-AMG A45 S). Crystalauto’s data lands in between, at 4.2 seconds versus 3.9 seconds to 100 km/h, and also notes the A45 S is roughly 100 kg lighter than the M2 despite carrying an AWD system (Crystalauto, Pragmatism vs Temperament).
That weight detail is counterintuitive and worth sitting with. AWD hardware typically adds mass, yet the A45 S’s smaller four-cylinder block and more compact chassis more than offset the extra driveshafts and transfer case. Evo’s as-tested weights back this up: 1,700 kg for the M2 versus 1,560 kg for the A45 S, producing power-to-weight figures of 271 bhp/ton and 270 bhp/ton respectively, essentially a dead heat (Evo, BMW M2 v Mercedes-AMG A45 S). The horsepower gap looks decisive on paper. The power-to-weight gap is not.
Top speed is where the M2 fights back, at least in some datasets. FastestLaps recorded an unrestricted top speed of 280 km/h (174 mph) for the M2 against 273 km/h (170 mph) for the A45 S, despite ranking the AMG faster overall on straight-line and combined performance indices, 100 versus 84 for straight-line performance and 100 versus 92 overall (FastestLaps, comparison data). CarsGuide notes the electronically limited A45 S tops out at 270 km/h in standard trim, consistent with Mercedes’ typical AWD hyper-hatch governor (CarsGuide, BMW M2 vs Mercedes-Benz A45).
| Metric | 2018 BMW M2 Competition | Mercedes-AMG A45 S |
|---|---|---|
| Engine | 3.0L twin-turbo inline-six (S55) | 2.0L turbo inline-four (M139) |
| Horsepower (period-correct) | 404-410 hp | 421 hp |
| Torque | 406 lb-ft | 369 lb-ft |
| Drivetrain | RWD | AWD (4Matic+) |
| Transmission | 6-speed manual / 7-speed DCT | 8-speed DCT only |
| 0-60 mph (Borro) | ~4.0 sec | ~3.9 sec |
| Top speed (Borro) | 155 mph | 168 mph |
| Top speed (unrestricted, FastestLaps) | 174 mph | 170 mph |
| Test weight (Evo) | 1,700 kg | 1,560 kg |
| Power-to-weight (Evo) | 271 bhp/ton | 270 bhp/ton |
On the Road: Engagement vs. Effectiveness
Reviewers consistently describe the M2 Competition as the more involving car to drive at any speed, while the A45 S is described as devastatingly fast and composed but less playful at the limit. The distinction is engagement versus outright effectiveness, not competence versus incompetence.
Evo’s group test, one of the more rigorous back-to-back comparisons available, calls the M2 “involving” with classic rear-drive feel that rewards a committed driver willing to work the chassis. The A45 S, by contrast, is “outrageously fast point-to-point” with traction and electronic systems that make it “devastatingly effective” as a daily performance car, even if it’s less playful when pushed to its limit (Evo, BMW M2 v Mercedes-AMG A45 S). That’s a meaningful distinction for a buyer deciding how the car will actually get used. A weekend track car benefits from a chassis that talks back. A car that also needs to survive a commute in the rain benefits from AWD traction and a computer that catches mistakes before they happen.
One YouTube comparison from the period captures this tension well: the A45 S is quicker to 100 km/h, but the M2 “feels more alive” through the chassis (YouTube, RZQNVbdChss). That’s not a marketing line, it’s a fair summary of what four contact patches and a torque-vectoring computer trade away in exchange for speed: some of the feedback loop that makes a car feel like an extension of the driver rather than a very fast appliance.
Ownership tip: If you can’t decide, drive both back-to-back on the same road at the same time of day. Spec-sheet gaps of a few tenths of a second rarely survive contact with actual seat time, engagement and effectiveness feel very different from the driver’s seat than they do on paper.
For an HNW buyer thinking about use-case fit rather than lap times, this section is the one that should drive the decision more than any spec sheet. If the car will spend most of its life on dry public roads with occasional track days, the M2’s manual-transmission option and RWD balance reward the kind of driver who wants to feel the limit approaching. If the car needs to be a genuine four-season, any-weather performance option, possibly even a daily driver for an executive who wants one car that does everything well, the A45 S’s AWD system and DCT-only drivetrain remove variables that would otherwise require driver skill to manage.
Pricing and Value Across Markets
Pricing for both cars varies meaningfully by market and model year, but the A45 S generally undercuts the M2 Competition on sticker price while offering more standard technology. UK pricing showed roughly a £3,700 gap in the M2’s favor for cost, while Indian and Australian data show similar relative positioning with regional tax structures affecting the final gap.
Evo’s UK pricing put a manual M2 Competition at £67,030 against an A45 S at £63,285, a roughly £3,700 premium for the BMW (Evo, BMW M2 v Mercedes-AMG A45 S). CarWale’s period-correct 2018-2022 comparison for the Indian market shows a similar pattern in reverse proportion: the A45 S priced at Rs 89.68 lakh against the 2018-2022 M2 at Rs 81.80 lakh, meaning the AMG carries the premium in that market instead (CarWale, Mercedes-Benz AMG A45 S vs BMW M2 2018-2022). Australia’s CarsGuide lists the A45 S 4Matic+ at $93,600 (CarsGuide, BMW M2 vs Mercedes-Benz A45).
The takeaway isn’t that one car is definitively cheaper. It’s that the price gap between these two cars is small enough, typically single-digit percentage points in either direction depending on market, that pricing alone shouldn’t drive the decision. What should factor in more heavily is running cost.
Running-cost delta: CarsGuide notes the A45 S returns a combined 8.9 L/100km and needs 98 RON premium fuel, while CarWale’s period spec cites 9.4 km/l fuel efficiency for the M2’s thirstier 3.0-liter six. Crystalauto goes further, noting the A45 S is “roughly twice as economical” thanks to its smaller-displacement four-cylinder architecture (CarsGuide; CarWale; Crystalauto, Pragmatism vs Temperament). If this is a car you’re financing or holding as a collateral asset rather than a weekend toy, that fuel and running-cost delta compounds over a multi-year hold.
Collectibility and Long-Term Positioning
The M2 Competition is widely viewed by enthusiast media as a stronger long-term collectible candidate because of its rear-drive layout, manual-transmission availability, and naturally aspirated-feeling inline-six character, all traits regulators and emissions rules are phasing out of new performance cars. The A45 S, while faster, competes in a segment with less established collector precedent.
This is the section that matters most for a buyer thinking about asset character rather than just driving pleasure. Manual, rear-drive, inline-six coupes are a shrinking category. BMW itself has already moved the current M2 generation to a different chassis and higher-output S58 engine, and industry-wide platform-sharing pressure and emissions regulation continue to squeeze out three-pedal, RWD-only performance coupes across nearly every manufacturer. Scarcity of that specific combination, manual gearbox plus RWD plus inline-six, tends to be the trait that pulls used values up over a 10-to-15-year horizon in cars like the E46 M3 and the original 1 Series M Coupe, both direct spiritual predecessors to the M2.
The A45 S, by contrast, sits in a segment, the AWD hyper-hatch, that has never developed the same kind of collector mythology. It’s an extraordinarily capable piece of engineering, but AWD turbo-four hatchbacks tend to depreciate along a more conventional curve tied to technology cycles rather than appreciating due to mechanical rarity. That doesn’t make the A45 S a bad purchase. It makes it a different kind of asset: one bought primarily for present-day capability and daily usability rather than for a long-term collectible thesis.
Neither car should be purchased purely as a speculative investment. Collector-car appreciation is never guaranteed, and both models remain, first and foremost, driver’s cars. But if collectibility is even a secondary consideration in your purchase decision, the M2 Competition’s mechanical layout gives it a stronger historical precedent for holding or gaining value relative to its depreciation curve.
Which Car Fits Which Buyer?
The M2 Competition suits a buyer who wants a dedicated weekend or track-day car and values mechanical feel and potential long-term collectibility over outright speed. The A45 S suits a buyer who wants one car capable of daily-driver duty in all weather while still delivering genuine performance-car acceleration and traction.
Choose the M2 Competition if…
You already own a garage of usable exotics and want a focused, mechanical weekend car.
You’re building a collection where future rarity matters as much as lap times.
Best fit: sub-3,000-mile-a-year enthusiast use, dry-weather garaging.
Choose the A45 S if…
You want one car that handles a daily commute, foul weather, and weekend backroads equally well.
You prioritize present-day capability and low-drama ownership over a collectibility thesis.
Best fit: year-round daily use, all-weather confidence.
If you already own a garage of exotics, say a Porsche 911 GT3 or a Ferrari 488, and you’re adding a more usable, lower-maintenance performance car into the mix, the A45 S’s AWD confidence and daily livability make it the more practical second or third car. If you’re building toward a curated collection where mechanical character and future rarity matter as much as lap times, the M2 Competition’s manual gearbox and RWD layout align better with that long-term thesis, provided you’re comfortable with a car that demands more from the driver and offers less all-weather margin for error.
Executives and family-office staff advising a principal on this purchase should frame the question around actual usage pattern first. A car driven fewer than 3,000 miles a year, garaged, and taken to occasional track days is a fundamentally different asset than a car expected to handle a daily commute through rain and snow. Match the drivetrain to the use case before matching the badge to the buyer’s ego.
Using Either Car as a Liquidity Tool
Both the M2 Competition and A45 S can serve as collateral for a short-term asset-backed loan rather than being sold outright during a temporary cash need. This approach lets an owner access liquidity while retaining upside if the car’s value is expected to hold or grow, particularly relevant for the M2 given its stronger collectibility profile.
Liquidity-over-sale math: Selling a car during a market dip, or simply during a personal cash-flow gap, often means selling below the price it would command in a stronger market or with more patient positioning. For HNW individuals who hold a paid-off M2 Competition, A45 S, or a similar six-figure vehicle, borrowing against the asset can be a more capital-efficient alternative to liquidating it outright, especially when the need for cash is short-term and the owner expects to want the car back.
This is a strategy worth discussing with a family-office advisor or private wealth manager as part of a broader liquidity plan, particularly for collectors who prefer not to disturb a curated garage to solve a temporary cash need.
Considering your M2 Competition, A45 S, or another performance car as loan collateral instead of a sale?
Frequently Asked Questions
Is the BMW M2 Competition faster than the Mercedes-AMG A45 S?
In most independent tests, the A45 S is quicker to 60 mph by roughly two to four tenths of a second due to its AWD traction. Some unrestricted top-speed testing shows the M2 reaching a higher maximum speed. Power-to-weight figures between the two cars are close despite the horsepower gap on paper.
What is the actual horsepower of the 2018 BMW M2 Competition?
The period-correct 2018 M2 Competition is rated between 404 and 410 hp from its 3.0L twin-turbo inline-six (S55) engine. Higher figures of 453-454 hp reported in some sources reflect later-generation M2 models or different regional testing, not the original 2018 US-spec car.
Why is the Mercedes-AMG A45 S considered a technically superior car despite having fewer cylinders?
The A45 S uses a 2.0L turbo four-cylinder (M139) producing 421 hp, one of the highest specific-output four-cylinder engines in production. Combined with AWD traction and a dual-clutch transmission, it converts that power into consistently quicker acceleration than the M2 Competition in controlled testing.
Which car holds its value better over time, the M2 Competition or the A45 S?
The M2 Competition’s rear-drive layout, manual-transmission availability, and inline-six engine align it with a category of cars, manual RWD coupes, that has historically shown stronger long-term collector value as those configurations become rarer. The A45 S, in the AWD hyper-hatch segment, typically follows a more conventional depreciation curve.
Can I use a car like the M2 Competition or A45 S as collateral for a loan?
Yes, asset-backed lenders including Borro accept qualifying luxury and performance vehicles as loan collateral. Terms, eligibility, and valuation depend on the specific vehicle, its condition, and market factors, and should be discussed directly with a lender rather than assumed from general guidance.
Is the M2 Competition or A45 S better as a daily driver?
The A45 S is generally better suited to daily use in varied weather conditions because of its all-wheel-drive system and dual-clutch-only transmission, which reduce the skill demands of driving quickly in poor conditions. The M2 Competition, particularly with a manual transmission, is better suited to enthusiast driving in dry conditions.
How much does a 2018 BMW M2 Competition or Mercedes-AMG A45 S cost today?
Pricing varies by market and condition. UK new pricing showed the M2 Competition at roughly £67,030 versus £63,285 for the A45 S. Used values for 2018 models vary meaningfully by mileage, transmission, and options, and should be confirmed against current listings in your specific market.
Sources
- Borro, “2018 BMW M2 Competition vs. Mercedes-AMG A45 S” (https://borro.com/2018-bmw-m2-competition-vs-mercedes-amg-a45-s/)
- Evo, “BMW M2 v Mercedes-AMG A45 S: £65k performance machines go head to head” (https://www.evo.co.uk/group-tests/206609/bmw-m2-v-mercedes-amg-a45-s-ps65k-performance-machines-go-head-to-head)
- CarsGuide, “BMW M2 vs Mercedes-Benz A45” (https://www.carsguide.com.au/bmw/m2/vs/mercedes-benz-a45)
- CarWale, “Mercedes-Benz AMG A45 S vs BMW M2 2018-2022” (https://www.carwale.com/compare-cars/mercedes-benz-amg-a45-s-vs-bmw-m2-2018-2022/)
- CarWale, “BMW M2 vs Mercedes-Benz AMG A45 S” (https://www.carwale.com/compare-cars/bmw-m2-vs-mercedes-benz-amg-a45-s/)
- Crystalauto, “Pragmatism vs Temperament: Mercedes-AMG A45 S vs BMW M2 Competition” (https://www.crystalauto.ge/news/23-pragmatizmi-temperamentis-tsinaaghmdeg-Mercedes-AMG-A45-S-vs-BMW-M2-Competition)
- FastestLaps, comparison data (https://fastestlaps.com/comparisons/haeli9fo6ocb)
- YouTube, RZQNVbdChss (https://www.youtube.com/watch?v=RZQNVbdChss)
This article is for informational purposes only and does not constitute financial advice. Loan terms, eligibility, and asset valuations vary. Contact Borro directly for personalized loan quotes. Borro is not a bank.



