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      04-26-2011, 04:47 PM   #31
kmedina
Loves BMW
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Drives: X3 28i
Join Date: Apr 2011
Location: US

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I know I am late to this thread but for anyone looking at it now, it is really easy to bring in your own financing. BMW was offering 3.9 (with the 1 point owner loyalty deduction). My salesman said they do not offer better rates, since the X3 is in demand. My bank (USAA) did better. Rates as low as 2.49% with excellent credit. I printed my paperwork online and a "check." The dealership filled the "check" out on Saturday and faxed it in. My bank did an ACH deposit into their account this morning.

The finance manager made me sign what she called a backup contract at 3.9% (just in case the funding did not go through). She was upset that we were not going through BMW and expressed it a few times, but I think people should always do what is best for them.
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