11-28-2019, 10:05 AM | #24 | ||
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12-02-2019, 06:04 PM | #25 |
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Update on this, it turns out they must have tried to do a hard inquiry but couldn't since my files are frozen. I received a letter today that they opened an account for my but it is restricted due to not having credit history. You would have thought their system would no when a file is frozen and handle it appropriately.
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12-02-2019, 07:49 PM | #26 | |
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12-02-2019, 07:55 PM | #27 | |
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12-04-2019, 09:43 AM | #28 |
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Another quick update for the OP. Penfed requires a 30 day membership (not 60 as I was originally told). My X5 is on order, so if I delay pickup (by a few days, most likely) I should be able to apply the discount. Thanks again!
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12-04-2019, 11:04 AM | #29 |
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I edited my first post to indicate 30 days. Thanks
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12-05-2019, 02:09 PM | #31 |
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I’m not sure if this has been mentioned yet but the penfed discount and USAA discount are not stackable as they both just provide the BMW domestic military discount.
Also - somehow the sales rep at the dealer I’ve been dealing with thinks the discount is only $250 rather than $500, and showed me a document that says so pretty clearly. So, I don’t know what the discount really is. |
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12-05-2019, 02:15 PM | #32 | |
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He is correct, at least for the USAA, the rebate is $250 when financing/leasing through BMW. I would assume PenFed's program is the same. Edit: I just did a new offer sheet from USAA and the amount now shows as $500 rather than the $250 it did when I got mine. It could be the amount went up and he is using an old resource. Last edited by TurtleBoy; 12-05-2019 at 02:22 PM.. |
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12-05-2019, 03:50 PM | #33 |
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I will be able to confirm on Tues when I finally sign the paperwork. $500 is clearly noted on the screenshot I referenced :
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12-05-2019, 07:47 PM | #34 |
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Ok, it will be interesting to see what you actually get. The PDF I have from USAA clearly says $500 ("$500 Incentive for Lease and Retail Loan financed through BMW Financial Services. Exception: BMW FS Lease not available for i3.") whereas the screen shot the CA from BMW sent me clearly says $250. Also he said these offers end at the end of the month so if they don't renew it will be too late for a new build car that takes beyond that time frame to arrive..
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12-06-2019, 06:10 AM | #35 | |
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12-06-2019, 08:42 AM | #36 |
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12-06-2019, 12:39 PM | #37 |
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Keep in mind, many dealers initially think this Penfed incentive is a fleet discount, and not a domestic military discount (assuming it is a military discount lol), since historically BMW has only been associated with USAA as the domestic military discount. If coded as a fleet discount, you will not be able to stack with loyalty.
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12-06-2019, 05:17 PM | #38 |
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I can confirm the USAA incentive is $500. My dealer added it to the $1250 Loyalty & $3000 BMW FS incentive when I provided him with the USAA certificate generated on their website.
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12-10-2019, 01:12 PM | #39 |
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Okay, so the $500 Penfed monies worked (when coded as military), but my SM was having a hard time combining the Penfed with my OL code for some reason, despite BMW's stackable matrix showing they could be combined. In the end however, he managed for me to get both monies
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12-11-2019, 10:44 AM | #41 |
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Yes, anyone can join Penfed. I don't have any affiliation with the military either. That's what makes this a no brainer
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12-11-2019, 10:46 AM | #42 |
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When you go to join it asks some questions to determine eligibility and it appears that you can join even if you aren’t affiliated with the DoD but maybe there are different membership tiers like USAA.
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12-11-2019, 10:51 AM | #43 |
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my dealer is predicting early Feb for our completion date, how long did the PenFed process take you to get an account started? $500 rebate is treated just like the $1250 rebate is on leasehackr? I put it in the taxed incentives column right?
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12-11-2019, 12:09 PM | #44 |
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Assuming Penfed's program continues into the new year (not sure why it wouldn't), you have to wait 30 days from when you join to receive the incentive (as per folks who recently joined and posted to this thread). I've been a member for years. Not familiar with leasehackr's calculator, but the $500 would come off from your negotiated price.
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