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      09-12-2024, 06:13 AM   #3455
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I orderd a MY 25 G80 that just got to the dealership and before i go in my sales guy is showing me the final break down and the APR he's giving me is 6.29 when on BMW usa website its showing 5.29 for my zipcode. Anyone here have an idea of what could be leading to this discrepancy? My credit is sufficient for the 5.29.
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      09-12-2024, 06:32 AM   #3456
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Quote:
Originally Posted by E Bart View Post
I orderd a MY 25 G80 that just got to the dealership and before i go in my sales guy is showing me the final break down and the APR he's giving me is 6.29 when on BMW usa website its showing 5.29 for my zipcode. Anyone here have an idea of what could be leading to this discrepancy? My credit is sufficient for the 5.29.
Dealer is allowed to mark-up the rate. You need to negotiate and ask for the “buy” rate.
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      09-12-2024, 07:03 AM   #3457
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Originally Posted by ADDONE View Post
Dealer is allowed to mark-up the rate. You need to negotiate and ask for the “buy” rate.
This.

It’s another profit center for the dealers, they’re taking advantage of it. If they don’t honor the rate, either get your own financing, or refinance it ASAP. If you refinance it right away, the dealer won’t get any of that extra profit.
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      09-18-2024, 08:45 PM   #3458
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      09-20-2024, 10:26 AM   #3459
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Just ordered a '25 G82, MSRP $105,425, they discounted $1000. Not sure if I will pay cash or lease but have 3 months to think about it.
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      09-20-2024, 12:23 PM   #3460
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Just ordered a '25 G82, MSRP $105,425, they discounted $1000. Not sure if I will pay cash or lease but have 3 months to think about it.
That’s not a good deal. Where are you located? I have a guy that’ll do a much better discount.
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      09-20-2024, 01:08 PM   #3461
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Originally Posted by SMGCFP View Post
Just ordered a '25 G82, MSRP $105,425, they discounted $1000. Not sure if I will pay cash or lease but have 3 months to think about it.
As Cane said, there are bigger discounts available on M4, especially if you do pcd or are willing to have it shipped.
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      09-20-2024, 01:49 PM   #3462
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As Cane said, there are bigger discounts available on M4, especially if you do pcd or are willing to have it shipped.
Yeah, my guy will easily do 4-5%, probably even more.
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      09-20-2024, 02:02 PM   #3463
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Yeah, my guy will easily do 4-5%, probably even more.
I'm in Saratoga Springs, NY. I know it isn't the best deal. I've done PCD and not willing to deal with shipping or traveling super far to get a car in the winter months. I know the M3s are harder to get and are selling closer to MSRP and the M4s are not. I appreciate the input.

Last edited by SMGCFP; 09-20-2024 at 02:08 PM..
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      09-20-2024, 02:08 PM   #3464
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Originally Posted by SMGCFP View Post
I'm in Saratoga Springs, NY. I know it isn't the best deal. I've done PCD and not willing to deal with shipping or traveling super far to get a car in the winter months. I know the M3s are harder to get and are selling closer to MSRP. I appreciate the input.
It’s a 6 hour drive from him to Saratoga Springs. Fly down in the morning, drive home in time for dinner. Just saying. 😉
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      09-21-2024, 05:42 AM   #3465
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It’s a 6 hour drive from him to Saratoga Springs. Fly down in the morning, drive home in time for dinner. Just saying. 😉
If it was summertime or at least not a threat to have snow, I’d maybe do that. But for $2500-$3000 it isn’t worth it. Honestly should’ve done a bit more research but details frustrate me. I used to love haggling the best price on cars but honestly just don’t care as much anymore. Now the one thing I will not tolerate are the junk fees or money factor bumps. So maybe I get some back there.
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      09-21-2024, 05:51 AM   #3466
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Quote:
Originally Posted by SMGCFP View Post
If it was summertime or at least not a threat to have snow, I’d maybe do that. But for $2500-$3000 it isn’t worth it. Honestly should’ve done a bit more research but details frustrate me. I used to love haggling the best price on cars but honestly just don’t care as much anymore. Now the one thing I will not tolerate are the junk fees or money factor bumps. So maybe I get some back there.
Would definitely take Cane’s advice or shop around more. I got 10% off my fully loaded ‘24 G82 and as Cane mentioned, great to similar deals can be had for ‘25s.

Unless money is no option and you don’t care 🤷🏼‍♂️
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      09-21-2024, 07:55 AM   #3467
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Would definitely take Cane’s advice or shop around more. I got 10% off my fully loaded ‘24 G82 and as Cane mentioned, great to similar deals can be had for ‘25s.

Unless money is no option and you don’t care 🤷🏼‍♂️
When did you get it?
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      09-21-2024, 10:40 AM   #3468
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When did you get it?
Back in Feb at BMW Modesto. Traded in my G87 for it.
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      09-21-2024, 10:45 AM   #3469
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Back in Feb at BMW Modesto. Traded in my G87 for it.
You had a nice trade in. With trade ins they tend to give lower msrp. Also 2025 models now offered. 2025 models are not incentivized yet.
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      09-21-2024, 11:37 AM   #3470
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You had a nice trade in. With trade ins they tend to give lower msrp. Also 2025 models now offered. 2025 models are not incentivized yet.
Plenty of discounts to be had on 2025 G82’s. You’re not working hard enough 🫡
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      09-21-2024, 11:48 AM   #3471
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Plenty of discounts to be had on 2025 G82’s. You’re not working hard enough 🫡
G82s yess. Not G80s.
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      09-21-2024, 12:37 PM   #3472
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G82s yess. Not G80s.
I know, where did I ever say G80’s have fat discounts?
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      09-23-2024, 06:48 AM   #3473
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I didn't work very hard at all. I've bought 5 cars from this guy and I'll let him know that I know he didn't give me the best price and leave it at that. And then when he asks me for referrals or to lease another X5 next year, I'll tell him to make it up to me on that or I'll just lease a Cayenne, or a GLE, or the X5 somewhere else. It'll come out in the wash.

Also, I have a 2020 M4 comp in SMB with full silverstone leather DCT and 40k miles I may sell. I had the X5 in for service that day so he didn't get to value the car. I doubt I'll trade it as I think I can sell it for a much better price.

Money is always an object, but admittedly much less so than years ago. I find I value my time much more than I used to.
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      09-23-2024, 09:22 AM   #3474
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Quote:
Originally Posted by SMGCFP View Post
I didn't work very hard at all. I've bought 5 cars from this guy and I'll let him know that I know he didn't give me the best price and leave it at that. And then when he asks me for referrals or to lease another X5 next year, I'll tell him to make it up to me on that or I'll just lease a Cayenne, or a GLE, or the X5 somewhere else. It'll come out in the wash.

Also, I have a 2020 M4 comp in SMB with full silverstone leather DCT and 40k miles I may sell. I had the X5 in for service that day so he didn't get to value the car. I doubt I'll trade it as I think I can sell it for a much better price.

Money is always an object, but admittedly much less so than years ago. I find I value my time much more than I used to.
More power to you. On a $105k MSRP G82 I’ll take the 8% discount any day of the week for a little bit of extra work 😃
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