05-31-2021, 09:23 PM | #89 | |
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05-31-2021, 10:02 PM | #90 | ||
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06-01-2021, 07:16 PM | #91 |
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I'm looking to get some msrp discount hopefully when the car arrives in July.. (hopefully) I'm carless and this sucks.. Gonna do 50% down, not sure if that's a good idea. I want to purchase, I want to do some mods to it and drive it for good 6+ yrs.
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06-02-2021, 08:42 AM | #93 |
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I have great credit (800+) but the dealer I ordered my M3C from is saying the best he can offer me is 1.9% because "that is what is available in their area." I think that's BS because when I enter their zip code on the BMW website it still gives me 0.9% in the financing offers. Also when I estimate a payment it uses 0.9% for that zip code. I'll show these to the dealer and see what he says. Anyone else experience this?
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06-02-2021, 09:14 AM | #95 | |
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Just demand the rate that's on the BMW site, call him out. Worked for me... They initially said no one gets that rate in reality and it's just advertising...well I got it in the end! |
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06-02-2021, 09:22 AM | #96 |
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Yeah you can't trust what they say. I'll see what happens when the car is here, but buying a custom order car in this market when it's hard to even get an allocation doesn't really help me!!
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06-02-2021, 09:57 AM | #97 | |
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They refused to give me the .9 on the select but I had the .9 in writing on regular finance so they had to honour it |
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06-03-2021, 04:34 PM | #98 | |
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-sliding personal utility scale, as the vehicle gets older how much more useless does it feel, For some of us at month 36 the vehicles useful life to us is essentially near 0. (have to have the latest/greatest thing factor is real... after all this is not a corolla message board) Some examples that someone else might use with a different horizon: -Considering a standard (and value optimized) lease is 36 months when comparing to a lease how do those other options look at 36 months? -Also taking a longer term approach how do they look at a 72 month snapshot (2 completed leased vehicles vs 1 60 month loan + 1 year into a second 60 month financing option) |
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06-03-2021, 04:38 PM | #99 |
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Thanks for the feedback. I agree that the desired time horizon for getting a new vehicle is essential to determining the right model. On a subsequent post I do some sensitivity analysis and find that a lease is the best financing solution for ownership periods up to 34-36 months and a loan is the best financing solution for ownership periods of 36 months and beyond. At least in my case.
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06-03-2021, 04:42 PM | #100 |
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06-03-2021, 05:32 PM | #101 | |
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I appreciate the math and the numbers, I just don't think the 1.49% interest rate is going to realistic in 3 years. It will probably be closer to 2.5-3% for a 24 month for tier 1. I am no fortune teller though. Certainly eye opening though, I know you aren't for select but you indirectly convincing me to go towards select over leasing. |
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06-03-2021, 05:33 PM | #102 | |
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Crystal ball for sensitivity analysis? |
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10-16-2021, 01:44 PM | #103 |
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CA just told me military appreciation isn't available on M cars. Looks like the website supports his claim as M models aren't listed after I did the Troop ID thing.
Or is it dealer dependent? |
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10-17-2021, 11:54 AM | #104 |
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They're wrong. Multiple members have used it on an M car purchase and my CA has worked it into my deal (I'll take delivery in the next 6-8 weeks).
I've attached what the site says. Also, if on the BMW site you select Build your own, select 3-Series, and scroll to the bottom- you'll see the M cars. |
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12-27-2021, 10:34 AM | #105 |
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so the .9 is available to every dealer in US no matter what? or is territorial?
if the dealer says 1.9, obviously it's markup. So either call them on it, and they fold, or walk... if the 1% difference is a deal breaker.... kinda sucks. |
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12-27-2021, 12:58 PM | #107 |
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Really great post, OP. Very helpful.
I'm not a financial moron and found what you presented to be clear and enlightening. I'm about to have to make this decision for my G23 and I think I'm going purchase with penfed $2,500 rebate. But I was thinking about BMW Select and although interesting, I think I will go straight purchase. |
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01-19-2022, 08:05 AM | #108 |
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So how much money do you all make that you can afford a $1000+ car payment?
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02-16-2024, 05:54 PM | #109 | |
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