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01-16-2026LAST POST
LDT wroteAlso, fill out the online BMW financing application now, so they just need to apply it, it might make it easier to finalize the deal at the last minute if it comes to that.You have not missed it until 1/2/26!
I did mine weeks earlier than delivery, so once it was delivered they just had to plug in all the numbers and generate the forms for a signature.
creatorsrk wroteI’m in the same boat and totally get your point. The extra money spent on interest is definitely a bummer even if it is not entirely a significant amount. “Free” money is still “free” money…Totally valid. There is a reason for 0.9 right hence choose 48 Months which is basically free money, It hurts when that gets missed because just carrier not picking up. Afforability is fine. really if its 1.99 thats no big deal, It's just that finance guy in my head says you missed it.
In my case, I still realize I have a good deal but still very much disappointed that my gamble (car delivered to dealer before January 2) likely won’t work. Mine completed production on December 19th but is still awaiting carrier assignment for delivery to the dealer. I could have purchased an in-stock model that was a slightly worse deal and with some minor options I didn’t really want; however, opted to take the gamble and order to get exactly what I wanted (no one else to blame but myself).
Tommy_Boy wroteEnd result is you got what you wanted and will be happier in the long term. There’s still a chance it’ll show up b4 1/2/26. If you’re in ATL as your profile states it could get on a truck today and be there in 3 hours. I wouldn’t give up on it just yet. InI’m in the same boat and totally get your point. The extra money spent on interest is definitely a bummer even if it is not entirely a significant amount. “Free” money is still “free” money…
In my case, I still realize I have a good deal but still very much disappointed that my gamble (car delivered to dealer before January 2) likely won’t work. Mine completed production on December 18th but is still awaiting carrier assignment for delivery to the dealer. I could have purchased an in-stock model that was a slightly worse deal and with some minor options I didn’t really want; however, opted to take the gamble and order to get exactly what I wanted (no one else to blame but myself).
creatorsrk case, SEA is via train and takes a couple of wks minimum.
LDT wroteI completely agree and I still have a good deal in hand too.End result is you got what you wanted and will be happier in the long term. There’s still a chance it’ll show up b4 1/2/26. If you’re in ATL as your profile states it could get on a truck today and be there in 3 hours. I wouldn’t give up on it just yet. In
The downside is that the vehicle is not going to a dealer in Atlanta but a couple states away - so longer than just three hours.
That is why I’m leaning towards it not arriving in time to take advantage of the promo APR. Again, not complaining as the deal was a very good deal.
Another thought: the rates could still be low in January. Dealers in the DC area have tons of X5s on the lot and there is a new update coming out in 2026. Why would they want people to stop buying them now? I should have used this advice myself, but it was more about convincing my wife we should buy at the current low rate.
creatorsrk wroteThat sounds awesome - I didn’t think that the dealer could make such a commitment (i.e. honoring the promo APR). I’m still hoping that my order comes in before January 2 (not hopeful) or the promo APR gets extended (not hopeful either). I doubt that my dealer would be able to make the same commitment as yours.I talked to my dealer I'm buying out of state Seattle is worse in deals and Promo rate marked up as well, so my dealer is closer to SC. They said they will honor the Promo Deal in my case , as there are several of his clients cars didnt come due to logistics just like Tommy boy case Car done on Dec 20 and released to carrier and suppose to be before Christmas and Carrier not pickedup
Did you do the deal yourself or did you go through a broker for your original deal?
Tommy_Boy wroteThey can't.That sounds awesome - I didn’t think that the dealer could make such a commitment (i.e. honoring the promo APR).
TurtleBoy wroteThey could discount the car more, so the payments match and the discount covers the additional interest.BMWFS certainly can offer they rate but they dealers can't on their own.
And if you pay it off early, there is even more benefit.
dcorn wroteSo the dealer deserves to be punished because BMW couldn't logistically get a car out on time?^^ Seems to me that is a decent bargaining chip. Your car has been done for almost 2 weeks, but you can't get a good APR because BMW can't get the vehicle on a train? Why is that your fault? Tell the dealer you'll just walk if you can't get the current rate and they'll be stuck with a custom ordered car that may be harder to sell.
Keep in mind, pretty much everyone on here is getting a deal that's at least 10% off and will represent a loss.
Tommy_Boy wroteThe dealer can't make that commitment because there is no mechanism by which for them to do so. If BMW up's the rate, all they could hypothetically do is discount the car more, which I doubt they'd do at 10% off, but there is no way for us to know.That sounds awesome - I didn’t think that the dealer could make such a commitment (i.e. honoring the promo APR). I’m still hoping that my order comes in before January 2 (not hopeful) or the promo APR gets extended (not hopeful either). I doubt that my dealer would be able to make the same commitment as yours.
Did you do the deal yourself or did you go through a broker for your original deal?
Honestly, I am truly surprised your car didn't make it, it should have had ample time.
TurtleBoy wroteMaybe things have changed but I had BMW dealership honor a December CPO rate on Jan 1 many years ago. It was 0.9% in December and went up in January. I didn’t realize the deal was only good for December but was able to negotiate with the finance manager. About a month after I bought the car, BMW FS realized I should have gotten the January incentive as well which was the first 3 months payments on them. So I ended up with both December and January incentives by pure luck.They can't.
smjtri wroteCongrats! In reality it's up to BMWFS to grant this kinda stuff and the dealer can request it but does not have the final say.Maybe things have changed but I had BMW dealership honor a December CPO rate on Jan 1 many years ago. It was 0.9% in December and went up in January. I didn’t realize the deal was only good for December but was able to negotiate with the finance manager. About a month after I bought the car, BMW FS realized I should have gotten the January incentive as well which was the first 3 months payments on them. So I ended up with both December and January incentives by pure luck.
