[zaflb]

Originally Posted by amu3ed

Thanks, I secured the 9% off yesterday. 8-10 weeks until delivery. I think I may have been able to squeeze 10% but whatever. The wife is happy so I am happy.

Congrats! Would you mind sharing the dealership that you worked with?

[Tankeren]

Originally Posted by aben1975

Finally got serious after 2 years of wanting. I had made the mistake of test driving a BMW X5 2 years ago and was sold. I had thought i wanted the Q7, but the drive sold me hook line and sinker. I just order last Monday a 2021 Xdrive 40i Premium build, Mineral White, Cognac, running boards, hitch and backup assist. like others I had a local dealer offering around 4-5 % (total discount). My final build came in at $70,445 msrp. I like others, sent out my build to 8 dealers in the Midwest. Along with the best pricing before incentives about 9%) I went back to the local dealer and they beat it. Some additional negotiation and the APR Cred improving Sept 1, I ended up at at 13.8% discount including incentives. I felt pretty good about that pricing.

This will be my first BMW. Watching the build progress about every 15 minutes. It started production last Friday, but hasn't moved from that phase yet. I am already with my Ethos Graphene Coating and Car Pro leather ceramic to take a day or two off work when she arrives to do light polish to the outside coatings inside and out.

That's a great deal! Congrats!

I also live in MN. Planning to do the similar steps as you did. Do you mind sharing which dealer in the Midwest offered you the best pricing? Thanks!

[aben1975]

Originally Posted by Tankeren

That's a great deal! Congrats!

I also live in MN. Planning to do the similar steps as you did. Do you mind sharing which dealer in the Midwest offered you the best pricing? Thanks!

Bergstrom in Appleton gave the best initial price. They are considered an upfront dealership which lists their best price. I also sent to Luther in Rochester, and Perrilo Chicago, and a dealer in Ohio and Atlanta since I travel there for business regularly. I ultimately i purchased at Minnetonka which was a great experience.

I had gone into this with a little bit different mindset. Since I travel and had been looking for the past year (ok 3) I really noticed mostly in the used market much more competitive pricing outside MN. With Covid and more time available time i decided to jump on the very best I could get new or used. A $300 plane ticket and a cross the country drive sounded like a great way to spend a day or two. Although with financing and negotiation the new was clearly the best option. I really wanted HK sound. Very few used new had that, so the bundling of that with premium in the 2021 helped a bit. Adding in new i can do the exact build I want, zero miles, full maintenance and warranty im still surprised how high the used go for (granted i didn't fully complete a negotiation). Plus I had a 2012 S60 that the order allowed me time to sell outright. It sold in 2 days fir twice the trade. Again another Covid plus we can manage without a 3rd car while the build occurs. It will make X5 all the more of a step up as i drive my daughters avenger while I wait

Mineral White
Cognac
Mate Brown Anthracite Trim
Premium Package
Parking Assistance pkg
Heated seat
Running boards
Hitch

[czhang93]

Originally Posted by Osheatwo

The MY21 45e is listed on BMWUSA with finance special at .9 APR.

All other MY21 trims are 1.9 apr through BMW Finance.

I am not sure but somebody might be able to confirm:
There is some difference between what is public on BMWUSA site and how actually the dealership operates. It seems the dealership has some wiggle room, not the incentive amount but how to apply them.

When I started to shop around MY2021 in early Aug, I was told I can lock in the incentives but I said that those incentives were for MY2020. I was told it doesn't matter without the details. One dealer replied saying the incentives are extended to MY2021. I think that is what the dealership is allowed to do but is not public information. At the dealership I actually placed my order, I was told I had $2500 finance credit and $1000 loyalty (even I just sold my BMW a couple of months ago). This is exactly the same as FLYIN' said. I didn't question that CA. He worked there for 20+ years and I trust what he said and did.
By the way, the BMWUSA says $500 Loyalty/ Conquest Certificate. My understanding is either you get Loyalty or Conquest incentive so only $500 is available. I noticed many dealership advised this way. But I feel dealership is able to get both for customer. I guess dealership knows this but keep it in last minute price negotiation.
So, my guess is dealership has some wiggle room in pricing that is not public and can't be public - the manufacture simply gives the dealership some additional power and incentive to sell the car. I think no body will complain in the end that the dealership gives better deal than what is public.

[moodyhank82]

Just placed a custom order for a 45e. 10% off before incentives and the dealer does not charge any dealer handling or document fees, which is usually another $600 or $700 here in CO.

I do have a question for the folks, who used the USAA/Penfed incentive. From what my SA can tell reading the fine print, once I use the $3,250 Penfed certificate I cannot use BMW financing and thus I would not get any other incentive like the APR credit (there is none this month for 45e but could be different by the time I am taking delivery) or conquest/loyalty or the 0.9% special APR. Was this the case for you too when using the Penfed incentive?

When I shopped around last month, I did receive quotes showing that the APR credit can be stacked with the Penfed incentive but maybe they have changed the terms this month?

[TurtleBoy]

Your dealer is correct. If you use the full PenFed incentive of $3,250 then you can't use the BMW financing incentive. What is stackable is the $500 (or what er the current amount is) PenFed/USAA incentive for when BMW financing is used. It should be shown on the bottom of the certificate. This has always been the rules as far as I know although someone mentioned getting both earlier this year but never heard the final outcome of that.

Edit: The rules are still the same, $500 when using BMW Finance for a loan or lease.

[moodyhank82]

Originally Posted by TurtleBoy

This has always been the rules as far as I know although someone mentioned getting both earlier this year but never heard the final outcome of that

Thanks TurtleBoy ! I did receive the offer below last month stacking APR credit with full Penfed hence my confusion:

https://ibb.co/r5kZ1q8

[TurtleBoy]

Originally Posted by moodyhank82

Thanks TurtleBoy ! I did receive the offer below last month stacking APR credit with full Penfed hence my confusion:

https://ibb.co/r5kZ1q8

That looks similar to what I was referring to that someone else posted previously but never heard if they were actually able to finalize the deal.

[leasehackr]

Originally Posted by moodyhank82

Thanks TurtleBoy ! I did receive the offer below last month stacking APR credit with full Penfed hence my confusion:

https://ibb.co/r5kZ1q8

I looked at the screen shot you posted. Are all these incentive on purchase?

I’m looking to lease 45e and I do have penfed membership.

Btw very good deal 12K discount.

[TurtleBoy]

Originally Posted by Infosec

I looked at the screen shot you posted. Are all these incentive on purchase?

I’m looking to lease 45e and I do have penfed membership.

Btw very good deal 12K discount.

They are available for both purchase and lease. As noted, the incentive is $500 for lease or purchase with BMW financing.

Edit: This is referring to my screenshot above, not the deal that was posted.

[moodyhank82]

Originally Posted by Infosec

I looked at the screen shot you posted. Are all these incentive on purchase?

I’m looking to lease 45e and I do have penfed membership.

Btw very good deal 12K discount.

Thanks, that was actually an offer for an inventory unit that I passed on last month since the dealer discount wasn't what I wanted. I have just placed a custom order for %10 dealer discount before incentives. The incetive amounts on the screenshot were all for purchase only...

[1M4]

What are the lease credits currently for sept 2020 for the 2021 X5 xdrive 4.0? It looks like only 500.00, but is there loyalty credits for previous bmw customers? In the south Florida region what is a reasonable discount for an ordered car?

[hyde]

Still not getting good enough pricing on X5s. Any dealer suggestions, feel free to share here.

[leasehackr]

Originally Posted by moodyhank82

Thanks, that was actually an offer for an inventory unit that I passed on last month since the dealer discount wasn't what I wanted. I have just placed a custom order for %10 dealer discount before incentives. The incetive amounts on the screenshot were all for purchase only...

Good deal @10%. Are you leasing or buying?

I heard from dealers that there are currently no incentives for 2021 X5. Will see more incentives in Dec. I have two leases that are expiring in Dec end.

Currently still making up mind whether to go with x40 or x45e?

[leasehackr]

Originally Posted by hyde

Still not getting good enough pricing on X5s. Any dealer suggestions, feel free to share here.

Hey you are back

Getting rid of Q7?

[S_M]

Originally Posted by hyde

Still not getting good enough pricing on X5s. Any dealer suggestions, feel free to share here.

Most NY/CT dealers don't deal, 2-3% at most, 5% at some.

It just takes some grinding, I called/emailed pretty much every dealer in the NE. Wound up at 10% a couple NJ dealers, 11% at one but their doc fee is high. Dealer in MA says they will match or beat the 11%. Waiting on them before I sign in NJ.

This is all for a 2021 40i build. I'll post here after I sign with names.

[leasehackr]

Originally Posted by TurtleBoy

They are available for both purchase and lease. As noted, the incentive is $500 for lease or purchase with BMW financing.

Edit: This is referring to my screenshot above, not the deal that was posted.

Make sense. Which site this is? Can you post the link to check penfed incentives? I do have penfed membership and couple of credit cards with them.

Not sure if this stack up with Loyalty $1K and UDE event $1K plus Fleet account discount.

[leasehackr]

Originally Posted by rohms3

Most NY/CT dealers don't deal, 2-3% at most, 5% at some.

It just takes some grinding, I called/emailed pretty much every dealer in the NE. Wound up at 10% a couple NJ dealers, 11% at one but their doc fee is high. Dealer in MA says they will match or beat the 11%. Waiting one that before I sign.

This is all for a 2021 40i build. I'll post here after I sign with names.

Good deal @11%.

Any reason why you are going with 40i?

I have two leases to replace in Dec. My current 2018 40e is POS. Drive train error every day. Now two months left and throw this POS. Debating should I go with new 45e or 40i?

Interested to hear your POV.

[S_M]

Originally Posted by Infosec

Make sense. Which site this is? Can you post the link to check penfed incentives? I do have penfed membership and couple of credit cards with them.

Not sure if this stack up with Loyalty $1K and UDE event $1K plus Fleet account discount.

Currently no fleet incentive for 21 X5 for lease or finance, only for cash purchase. Dealer sent me a screenshot of the matrix today.

[S_M]

Originally Posted by Infosec

Good deal @11%.

Any reason why you are going with 40i?

I have two leases to replace in Dec. My current 2018 40e is POS. Drive train error every day. Now two months left and throw this POS. Debating should I go with new 45e or 40i?

Interested to hear your POV.

Car is for my wife/family duty, it's the logical choice. M50 isn't necessary and 45e seems like a bunch of complication (as your car now proves) with no real benefit.

[leasehackr]

Originally Posted by rohms3

Currently no fleet incentive for 21 X5 for lease or finance, only for cash purchase. Dealer sent me a screenshot of the matrix today.

I see $1000 on lease for 45e. You are correct only on 45e. Nothing on 40i currently.

Edit: I thought you are going with 45e.


Check thru your employer benefit website.

[TurtleBoy]

Originally Posted by Infosec

Make sense. Which site this is? Can you post the link to check penfed incentives? I do have penfed membership and couple of credit cards with them.

Not sure if this stack up with Loyalty $1K and UDE event $1K plus Fleet account discount.

Just go click on Auto on the PenFed site and choose buying service and scroll down to the BMW incentives.

If I remember correctly, very few, if any, incentives will stack with the fleet discount. Without that, PenFed/USAA will stack since they are considered military incentives.

Edit: Looking at the Corporate sales site the PenFed is not mentioned so that may stack as well as any APR/lease that is available. Loyalty will not stack.