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      02-07-2013, 06:00 PM   #9
Shaw
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Drives: 2016 X5 35d | 2019 X3 30i
Join Date: May 2011
Location: Toronto

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I got feedback from BMW. BMW FS does not offer "switching" to Owner's Choice. But I can (to your points) pay off (via a bank) and re finance through the bank. Some of them offer Balloon finance. Ofcourse the dealership warned me about higher interest rates financial institutions will offer.
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