10-02-2020, 08:06 PM | #1 |
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Finance incentive
I know that the finance incentives are local but was wondering if November incentive is historically always better than October. Need to decide if I should lock the current incentive for October (if November's incentive is better, the credit hard pull for October will be wasted) or wait for November.
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10-02-2020, 09:05 PM | #3 |
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Unless something is different with the finance incentive there should be no need to lock any specific month in. Just fill out the credit app and you can get best month of incentives for 90 days in your case since you are in CA.
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10-02-2020, 10:39 PM | #4 |
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The sales told me that I have to resubmit credit app if I want to lock the incentive from October (I have locked the one from September which is much worse than October).
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10-03-2020, 02:22 PM | #6 |
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By the way, how would you guys know the program are locked? I applied and can a credit inquery from credit report but never received anything mentioned the terms like when the lock expires and etc.
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10-08-2020, 08:50 PM | #7 | |
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EDIT: where are you seeing the $2500 bay area credit BTW? Found it!
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10-08-2020, 09:22 PM | #8 |
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west coast is 90 days. If you locked in and they ran your credit in sept you are covered for sept, oct, and november. You just have to take delivery in that time frame. If you do take delivery in that time frame say november then you can select sept, oct, or november which ever one works best for you. If you dont get the car by end of november you will have to re lock (credit app) in december and you will start all over with 90 days and the previous 90 days are gone.
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10-08-2020, 09:33 PM | #9 | |
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10-08-2020, 10:23 PM | #11 |
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So should I correct my CA by showing some official documents from BMWFS or just expect that things will work as people described at the end of the day?
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10-08-2020, 10:41 PM | #12 | |
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If your time is valuable, and you don't want to spend a week getting the final paperwork right - and you don't want signing day surprises - get a new SA asap. |
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10-09-2020, 12:55 AM | #13 | |
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10-09-2020, 02:20 AM | #14 |
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Insist on a new SA at the dealership who isn't a dipshit (won't make you popular there tho) or cancel your order and start a new order with another dealer. Any deposit must be refunded. Reach out to dealers via email and ask for a production week around your existing one - there are still plenty of dealers with good dates. You can try steve thomas or Jon Shafer at santa maria and many others
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10-09-2020, 03:44 AM | #15 | |
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Last edited by leasehackr; 10-09-2020 at 03:50 AM.. |
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10-09-2020, 05:59 AM | #16 |
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10-09-2020, 06:02 AM | #17 |
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No need to show him anything, just tell him from your research it looks like the credit app you did will give you the options of the incentives for up to three months while you are waiting. Ask him to verify that with his sales and finance managers.
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10-09-2020, 08:30 AM | #18 | |
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if you are not confident in your CA maybe try another store, thats the beauty of BMW you can buy from ANY dealership in the US, lots of options. Dont settle for just one if you dont have to.
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10-09-2020, 08:32 AM | #19 | |
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SA - Service advisor or Sales Adviser lol confusing, but yea I think its a regional thing based on different parts of the country.
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10-09-2020, 04:35 PM | #21 | |
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What is the right process if I want to add spouse to the loan/lock? Can we still keep the lock from the initial application and just add spouse or do we have to start the new finance application again by me and spouse? Thanks |
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10-09-2020, 04:38 PM | #22 | |
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