[eljaber]

What rates is everyone getting for those financing? I see BMW has the X5 with 2.99% for 60 months, but, my dealer is saying only 3.99% is available. We told him both of our credit scores are above 800, so we should qualify for the best rate. I'm not sure if they're pulling our leg or if the 2.99% only applies to certain X5s depending on the options. Ours has almost every option, minus the one for the adaptive cruise control. We only put a deposit down to hold the vehicle, so we haven't signed any papers yet, due to the stop sale.

[Gibson6594]

Dealer's adding points to the loan is common, as it's a money maker for them. It's all part of the negotiation. They may be willing to remove the point, or they may not.

It's important shop these deals around. Don't think you can only go to your local dealer. Get other offers and make them compete against each other until you are happy with all the numbers.

[BIGW0RM]

2.99% and 9% off. Just waiting for stop sale to finish so I can pick it up.

[johnonroad]

Originally Posted by Gibson6594

Dealer's adding points to the loan is common, as it's a money maker for them. It's all part of the negotiation. They may be willing to remove the point, or they may not.

It's important shop these deals around. Don't think you can only go to your local dealer. Get other offers and make them compete against each other until you are happy with all the numbers.

Dealers are allowed to add 1% to BMWFS promotional rate.

[Gibson6594]

Originally Posted by johnonroad

Dealers are allowed to add 1% to BMWFS promotional rate.

Indeed. My point is that you don't have to accept it. Some will budge and some won't. Just like some will offer a higher discount than others.

[X50Ewhich]

What is a competitive lease money factor? 36 month 12k per year with excellent credit. BMW is offering .0026

[TurtleBoy]

Originally Posted by X50Ewhich

What is a competitive lease money factor? 36 month 12k per year with excellent credit. BMW is offering .0026

Welcome to the forum. You would have to check around and see if there are any banks/institutions that offer leasing. Not sure we have ever seen someone post any information on that.

[Trex5]

Originally Posted by X50Ewhich

What is a competitive lease money factor? 36 month 12k per year with excellent credit. BMW is offering .0026

.0026 is what I was quoted too, it’s marked up based on the August
intel from Next Level Auto Brokers (Posted in the pinned thread) and Edmunds info.

Equates to 6.24%, if it stays that way in Oct I can’t see myself leasing.

2025 x5 40i
.0022 base MF
.0019 base MF for loyalty customers
49% residual for 15k miles /36 month
$500 loyalty discount

2025 x5 M60/50e/Mcomp
.0022 base MF
49% residual for 15k miles /36 month
$500 loyalty discount

[Wardman]

My local dealer likes to get the extra points on those that don’t ask. Net is, ask. And for leasing do the math on MSDs if you haven’t.

Mine is being delivered Wednesday.

For stop sales, ask for free oil changes, mats, ceramic…. They are giving it if you ask/complain.