[vj123]

Originally Posted by Retro707

i got a text today about someone cancelling their build.... i am a loyalty customer and a M3 Comp became avail in a similar spec that i would be happy with. What are the current finance rates for BMW 60,72 and current loyalty? ($750 i suppose)

any help is appreciated.. and are people still paying mark ups?

Current base rate is 4.29% for 60 months and 4.79% for 72 months.

Yes, people are still paying markups and its being discussed in several threads in Pricing / Ordering section.

[John4C]

Originally Posted by Lakeside

BMW of Wichita has a black on black M4 Comp x-drive available but it has no options. Got a call offering it up earlier and passed bc I need a 4 door.

I’m ready to place an order also, if anyone is lurking with allocations or a short list.

Call/email around. I started emailing dealers in mid august. I placed a deposit to get on a M3 list 8/22 and got an allocation 8/29. I’m Status 112 now.

I ended up with a MSRP allocation locally but could’ve had one out of state at 3 different dealers (all east coast). I passed my leads onto other bimmerpost members I saw in the Sept allocation thread and at lest once confirmed they got one.

I think it’s easier to get these than people represent (or maybe BMW just released a ton on 8/29 and I got really lucky).

Either way, I actually test drove a M3 today and loved it so I’m now super excited to get mine.

[BardG]

My dealer told me yesterday my MY23 M3 Comp is expected September 15. I also got a firm price for which they would purchase my M550. Looks like I will have about 13K equity in that car. So…. IF the new car arrives as suggested (I originally placed my order Nov 2021, so I'll believe it when I see it!&#128521, I might be close!🤞Let the financing games begin! I haven't decided if I'm going to lease or loan, tough decision right now.

[bmwdrive]

Originally Posted by vj123

Current base rate is 4.29% for 60 months and 4.79% for 72 months.

Yes, people are still paying markups and its being discussed in several threads in Pricing / Ordering section.

My dealer marks up rates by 1% but sells at MSRP. Is this standard practice or just another way to mark up prices?

[Retro707]

iam working on

MSRP
and i was inquiring on a lease too which they said MF would be .00240 ( ATROCIOUS!)

MSRP on car is $97150

ONLY thing on car i could care less for is the BLAND ALPINE white, and the M drivers pacakge.. the fact that it does not have extended leather too is a bummer.

[Retro707]

iam plugging in numbers myself ( i do finance)

and this is what it looks like at MSRP

PRICE:$97150
doc 85
licence fee 993
CA TAX of 8143.433 ( 8.375 %)

total price : $106,371.18

-750 LOYALTY
-10,000 DOWN

FINANCING : 95,621.18
72 MO 4.79
$1533.73

60mo 4.29
$1776.72

EVERY 1K = $16.04 in payment IN CASE you remove all 10k or add extra for easier calculation.

these numbers seem ehh.... my 2021 X5MC payment is 1550 including tax and that was MSRP'd at 126k ( lease with 8500 down)

[vj123]

Originally Posted by danf72

My dealer marks up rates by 1% but sells at MSRP. Is this standard practice or just another way to mark up prices?

This has become more common since last year and several people are reporting this. Its just another way to maximize their profit even though they sell the vehicle only for MSRP.

[Retro707]

Originally Posted by vj123

This has become more common since last year and several people are reporting this. Its just another way to maximize their profit even though they sell the vehicle only for MSRP.

this happens consistently.. Reserve has been around forever. Some transactions you can go with it, some not so much.. just depends on the whole scenario.

credit, what the bank allows, etc..

[vj123]

Originally Posted by Retro707

this happens consistently.. Reserve has been around forever. Some transactions you can go with it, some not so much.. just depends on the whole scenario.

credit, what the bank allows, etc..

Sleazy dealers do it all the time but i see that percentage has increased drastically in the recent past based on what i have heard from friends & family and also the reports in the forum.

[Retro707]

Not too sure if Iam feeling the terms atm

Iam able to get the car at msrp no mark up ( initially wanted 5k over)

If I get on a list for a build it will be like 6-10 months

[bmwdrive]

Originally Posted by vj123

Sleazy dealers do it all the time but i see that percentage has increased drastically in the recent past based on what i have heard from friends & family and also the reports in the forum.

I think rates have gone up for everything. But I'm not giving the dealer an extra percent on top of the higher rate just because it's their "policy." The dealers around me also mark up every car in stock by $10k. Not just M cars but every car I look at on the showroom floor. People are buying I guess so everyone is happy.

[Gfit]

Originally Posted by danf72

I think rates have gone up for everything. But I'm not giving the dealer an extra percent on top of the higher rate just because it's their "policy." The dealers around me also mark up every car in stock by $10k. Not just M cars but every car I look at on the showroom floor. People are buying I guess so everyone is happy.

Agreed. They say it's their "policy" so it sounds official and non negotiable. BS!

[Retro707]

well what i meant by it all depends on the scenario..its true.. sometimes there is very challenged credit customers who a bank fee applies to. sometimes these bank fees can be substantial, so being allowed to add rate allows them to absorb the bank fee etc. Not everyone is a 750+

[Retro707]

i just browsed like 6 CU's.

rates for 750-780+ credit are

60-2.69% BEST I FOUND
72 - 2.94% BEST I FOUND
84- 3.49% BEST I FOUND


these are Bay Area Ca CU's

[Fishbuddy]

Originally Posted by Retro707

iam plugging in numbers myself ( i do finance)

and this is what it looks like at MSRP

PRICE:$97150
doc 85
licence fee 993
CA TAX of 8143.433 ( 8.375 %)

total price : $106,371.18

-750 LOYALTY
-10,000 DOWN

FINANCING : 95,621.18
72 MO 4.79
$1533.73

60mo 4.29
$1776.72

EVERY 1K = $16.04 in payment IN CASE you remove all 10k or add extra for easier calculation.

these numbers seem ehh.... my 2021 X5MC payment is 1550 including tax and that was MSRP'd at 126k ( lease with 8500 down)

Man those are some high car payments. Do a lot of people actually have car payments that high?

[Ariboon]

Originally Posted by Retro707

i just browsed like 6 CU's.

rates for 750-780+ credit are

60-2.69% BEST I FOUND
72 - 2.94% BEST I FOUND
84- 3.49% BEST I FOUND


these are Bay Area Ca CU's

Think you can shoot me a PM which CU was at 60 - 2.69%?

[playswcars]

Originally Posted by fishfinder333

Man those are some high car payments. Do a lot of people actually have car payments that high?

Average payments keep going up and up and up.

[Fugly M3]

Anyone know what September numbers are? Lease and finance?

[vj123]

Originally Posted by F8SEVEN

Anyone know what September numbers are? Lease and finance?

4.29% for 60 months and 4.79% for 72 months.

[wtwo3]

Originally Posted by vj123

4.29% for 60 months and 4.79% for 72 months.

The odd thing is I got 4.49% for 72 months on both my X7 and M3. My X7 I picked up last week Wednesday and for M3 I rate locked this past Friday.

[vj123]

Originally Posted by wtwo3

The odd thing is I got 4.49% for 72 months on both my X7 and M3. My X7 I picked up last week Wednesday and for M3 I rate locked this past Friday.

I have been using the below source and not sure if they have any typos for this month.

https://www.bramanbmw.com/incentives/md36/

[wtwo3]

Originally Posted by vj123

I have been using the below source and not sure if they have any typos for this month.

https://www.bramanbmw.com/incentives/md36/

I wonder if it's a regional thing... or perhaps this dealer is quoting a slight inflation?

Below is my contract info for the X7. As for the M3, for the rate lock all I have is a signed quote from the dealer promising 4.49% at 72 months rate lock which both myself and the dealer signed.