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      04-15-2024, 10:53 AM   #3279
f30dreamin
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Originally Posted by jetblackcoupe View Post
Rates are still 5.29% right?

Being quoted 6.29% and they are being stubborn. Asked them to run my credit again and show me what comes out of BMWFS algorithm.
They are many money on the rate. If you have good credit, check with your bank. You can also go online and check what rates are available. I found bank rate dot com helpful.
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      04-15-2024, 10:56 AM   #3280
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Originally Posted by jetblackcoupe View Post
Rates are still 5.29% right?

Being quoted 6.29% and they are being stubborn. Asked them to run my credit again and show me what comes out of BMWFS algorithm.
BMWUSA pulled the finance rates off their site, which is unfortunate. I would push for discounts and use your own financing. BofA has 5.99 with preferred at 5.49. I’m sure credit unions are slightly lower. Or you could buy American or Japanese/Korean and go even lower.
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      04-15-2024, 11:06 AM   #3281
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Originally Posted by Bimmerfun82 View Post
You don’t like the styling, so you went with mint green. Are you being sarcastic?

The tanzanite blue and black that I’ve had look great imo. I prefer the darker colors on this platform including greys.

Isle of Man Green is perfect on these cars.
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      04-15-2024, 11:08 AM   #3282
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Quote:
Originally Posted by Bimmerfun82 View Post
BMWUSA pulled the finance rates off their site, which is unfortunate. I would push for discounts and use your own financing. BofA has 5.99 with preferred at 5.49. I’m sure credit unions are slightly lower. Or you could buy American or Japanese/Korean and go even lower.
It's still 5.29 to 60 and 5.79 to 72.
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      04-15-2024, 11:08 AM   #3283
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Isle of Man Green is perfect on these cars.
I saw an M4 the other day in IOMG and thought it looked fantastic.
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      04-15-2024, 11:27 AM   #3284
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Originally Posted by Fugly M3 View Post
It's still 5.29 to 60 and 5.79 to 72.
Can you share a screen shot?
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      04-15-2024, 12:41 PM   #3285
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Originally Posted by Bimmerfun82 View Post
Can you share a screen shot?
Go to the BYO, choose the car, tap summary, estimate payment, it’ll open a new page, put in your ZIP, and it’ll show you the available options.
Attached Images
  
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      04-15-2024, 12:55 PM   #3286
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Originally Posted by 'Cane View Post
Go to the BYO, choose the car, tap summary, estimate payment, it’ll open a new page, put in your ZIP, and it’ll show you the available options.
Must be based on zip code. Here it’s showing me 6.29%
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      04-15-2024, 01:57 PM   #3287
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Originally Posted by Bimmerfun82 View Post
Can you share a screen shot?
Go to the Braman BMW incentive site. It’s always current.
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      04-15-2024, 05:09 PM   #3288
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Quote:
Originally Posted by jetblackcoupe View Post
Rates are still 5.29% right?

Being quoted 6.29% and they are being stubborn. Asked them to run my credit again and show me what comes out of BMWFS algorithm.
i got 5.0 for 72 at a credit union. best i could find.
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      04-15-2024, 06:09 PM   #3289
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Quote:
Originally Posted by Bimmerfun82 View Post
You don’t like the styling, so you went with mint green. Are you being sarcastic?

The tanzanite blue and black that I’ve had look great imo. I prefer the darker colors on this platform including greys.
Ha, nope. I think the light/bright colors suit the off the wall styling better. If you're going for it...might as well go all in.
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      04-15-2024, 06:54 PM   #3290
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Originally Posted by Fugly M3 View Post
Ha, nope. I think the light/bright colors suit the off the wall styling better. If you're going for it...might as well go all in.
I can respect that approach. There was an individual rosso corsa M3 at my dealer, and it was tempting me even though red is not my color.
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      04-16-2024, 01:21 PM   #3291
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Originally Posted by Bimmerfun82 View Post
I can respect that approach. There was an individual rosso corsa M3 at my dealer, and it was tempting me even though red is not my color.
Was the car @ BMW of Gwinnett Place?
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      04-16-2024, 01:43 PM   #3292
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Was the car @ BMW of Gwinnett Place?
Yep
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      04-16-2024, 01:49 PM   #3293
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Originally Posted by Bimmerfun82 View Post
Yep
I bought it on Feb 29th in the evening.. I just saw you mentioned the car in another thread too.
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      05-04-2024, 09:09 AM   #3294
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I have a 21 M4 Comp and I'm thinking about trading it in.

My dealer has a 24 M3 allocation. They are offering me approx $2,700 in positive equity on my trade in and they are saying they will rebate the M3 for $500.

My current interest rate is only .99% and I'm wondering if rates will go down in the next few months when I take delivery.

I'm also wondering if I should wait until the 25 LCI.

They said they will guarantee the positive equity so I can keep my car until I get the new one...what would you all do? If I put $5000 down on the new one my payment goes up by around $150....
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      05-04-2024, 09:34 AM   #3295
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Quote:
Originally Posted by Tyga11 View Post
I have a 21 M4 Comp and I'm thinking about trading it in.

My dealer has a 24 M3 allocation. They are offering me approx $2,700 in positive equity on my trade in and they are saying they will rebate the M3 for $500.

My current interest rate is only .99% and I'm wondering if rates will go down in the next few months when I take delivery.

I'm also wondering if I should wait until the 25 LCI.

They said they will guarantee the positive equity so I can keep my car until I get the new one...what would you all do? If I put $5000 down on the new one my payment goes up by around $150....
Your current rate is .99 😳 how did you manage to pull that off! The likely hood of rates going down beyond a could of basis points is highly unlikely. Fed isn’t showing any signs of it. In addition most lenders aren’t keen on reducing rates on specialty vehicles.
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      05-04-2024, 09:51 AM   #3296
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Quote:
Originally Posted by f30dreamin View Post
Your current rate is .99 😳 how did you manage to pull that off! The likely hood of rates going down beyond a could of basis points is highly unlikely. Fed isn’t showing any signs of it. In addition most lenders aren’t keen on reducing rates on specialty vehicles.
That's what the rate was a few years ago...thanks for your reply.
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      05-04-2024, 09:58 AM   #3297
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Quote:
Originally Posted by Tyga11 View Post
I have a 21 M4 Comp and I'm thinking about trading it in.

My dealer has a 24 M3 allocation. They are offering me approx $2,700 in positive equity on my trade in and they are saying they will rebate the M3 for $500.

My current interest rate is only .99% and I'm wondering if rates will go down in the next few months when I take delivery.

I'm also wondering if I should wait until the 25 LCI.

They said they will guarantee the positive equity so I can keep my car until I get the new one...what would you all do? If I put $5000 down on the new one my payment goes up by around $150....
The Fed is holding steady, the rates won’t be going down anytime soon. Personally, I’d wait for the LCI, see what happens with the rates, and go from there. I have a ‘22 G82 and I’m waiting another year before I order a new one.
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      05-04-2024, 10:00 AM   #3298
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Quote:
Originally Posted by f30dreamin View Post
Your current rate is .99 😳 how did you manage to pull that off! The likely hood of rates going down beyond a could of basis points is highly unlikely. Fed isn’t showing any signs of it. In addition most lenders aren’t keen on reducing rates on specialty vehicles.
BMWFS rates were low until December of 2021, then started to creep up in January of 2022. I had .99% locked in, but my car got stuck in QC for 4.5 months and my dealer refused to honor it if/when the car showed up. So I moved on and found my current car in March of ‘22 already stateside and made a deal, and by then the rates had moved to 2.49%, and continued upwards from there.
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      05-04-2024, 10:33 AM   #3299
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Originally Posted by 'Cane View Post
The Fed is holding steady, the rates won’t be going down anytime soon. Personally, I’d wait for the LCI, see what happens with the rates, and go from there. I have a ‘22 G82 and I’m waiting another year before I order a new one.
The issue is my car has 49k miles. I’m nervous about owning the car outside the warranty period. I got quotes for extended warranties and it’s around $175 a month. I feel like paying over $600 a month in just car insurance/ warranty is expensive so I’m at a loss of what to do
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      05-04-2024, 10:46 AM   #3300
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Originally Posted by Tyga11 View Post
The issue is my car has 49k miles. I’m nervous about owning the car outside the warranty period. I got quotes for extended warranties and it’s around $175 a month. I feel like paying over $600 a month in just car insurance/ warranty is expensive so I’m at a loss of what to do
I hear you, I won’t keep my car out of warranty, I think it’s ok to do so for a short time, but I won’t do it. Tough decision. Maybe trade it into the dealer and do a short term rental from Sixt or something? Dunno.
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