[soldes]

Ask the AD before you bring your own financing. Fact: A central FL AD penalizes folks that bring their own financing from outside BMWF, by tacking another few Townsend dollars to the price of the car; again, this is a confirmed fact.

[alabesky]

Originally Posted by soldes

Ask the AD before you bring your own financing. Fact: A central FL AD penalizes folks that bring their own financing from outside BMWF, by tacking another few Townsend dollars to the price of the car; again, this is a confirmed fact.

Thanks for the headsup, if they going screw me over like that, ill go with bmwfs and make sure i pay it off a week after delivery.

[jiggie]

Originally Posted by soldes

Ask the AD before you bring your own financing. Fact: A central FL AD penalizes folks that bring their own financing from outside BMWF, by tacking another few Townsend dollars to the price of the car; again, this is a confirmed fact.

Wouldn't do business with a place like that, lol.

[BMWoody]

I got 1.9% on my M50i in Feb. which was the advertised rate when I put my build in Jan. Most other bmw dealers quoted me at 2.9.

[Praj1990]

1.9 via bmw FS in feb with 1k loyalty + 1k ol code, but I was pre approved in jan and my dealer offered it straight forward with out any conditions

[NotAnotherBMWLawyer]

I got 2.49 percent last month on my 45e. I went though a broker who connected me with a dealer.

[alabesky]

Originally Posted by NotAnotherBMWLawyer

I got 2.49 percent last month on my 45e. I went though a broker who connected me with a dealer.

Can you share your brokers info?
Did you buy under msrp?

Thanks!

[Pictor]

It may be obvious but since it hasn't been stated, dealer markups on financing are negotiable.

[jBwFellow]

1.79 from PenFed (did not use their car buying service)

[alabesky]

Originally Posted by jBwFellow

1.79 from PenFed (did not use their car buying service)

When was this?

[jBwFellow]

Originally Posted by alabesky

When was this?

End of Feb, beginning of March.

[alabesky]

Originally Posted by jBwFellow

End of Feb, beginning of March.

I think they may be at 1.99 now, I'll just go directly with penfed instead of wasting time fighting the dealers.

Thanks for the info!

[TurtleBoy]

Originally Posted by alabesky

I think they may be at 1.99 now, I'll just go directly with penfed instead of wasting time fighting the dealers.

Thanks for the info!

Higher than that although you can get a discount up but .80% if you use their car buying service.

[alabesky]

Originally Posted by TurtleBoy

Higher than that although you can get a discount up but .80% if you use their car buying service.

Oh man they moved up a lil again this month!
Still a better deal than the dealer.

[newbote]

Originally Posted by alabesky

Just curious what kind of finance rates are you guys getting recently?
Three dealers been telling me 3.99% but the website clearly states 2.99%.

Also is it true that you dont get loyalty if you bring your own financing?

Thanks!

Just tell them you will immediately re-finance it if they don't give you the rate posted on BMW's site. You can still get 2.49% or below if you work with certain credit unions or banks. They will say you have to hold for a certain amount of time to still get loyalty but I have paid off a loan as soon as a week after and never heard a word from the dealer or clawing back the loyalty rebate - did this with both Ford and BMW

[TurtleBoy]

Originally Posted by newbote

They will say you have to hold for a certain amount of time to still get loyalty but I have paid off a loan as soon as a week after and never heard a word from the dealer or clawing back the loyalty rebate - did this with both Ford and BMW

The dealer has to pay back incentives when the loan is paid off before three months, not the purchaser.

[alabesky]

Originally Posted by TurtleBoy

The dealer has to pay back incentives when the loan is paid off before three months, not the purchaser.

So they have to pay back the loyalty out of their pockets if i dont stay 3+ months?

[PittsDriver]

Originally Posted by alabesky

So they have to pay back the loyalty out of their pockets if i dont stay 3+ months?

I've been asked to let it ride for 3+ months before paying it off so that the dealer gets their kickback. I was happy to do that for them. My personal threshold is around 4% before I start looking at more/all cash on the deal. Though if the market keeps improving I move that percentage higher.

[TurtleBoy]

Originally Posted by alabesky

So they have to pay back the loyalty out of their pockets if i dont stay 3+ months?

They have to pay back APR Credit incentives but haven't heard for sure about loyalty.

[AdmirG07]

Originally Posted by alabesky

Just curious what kind of finance rates are you guys getting recently?
Three dealers been telling me 3.99% but the website clearly states 2.99%.

Also is it true that you dont get loyalty if you bring your own financing?

Thanks!

You can negotiate this. Mine started at 3.99 I walked out with 2.49%

[silverstar335]

Take a look at DCU as well.

[alabesky]

Originally Posted by silverstar335

Take a look at DCU as well.

They seem to have some very competitive rates !👍🏼👌