03-03-2024, 07:56 PM | #23 |
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The only issue I see w this is that interest rates suck rn, historically used car rates are worse than new car rates (5% apr on new x3m rn). So be sure to shop lenders as well as cars. Credit Unions usually offer good rates, and most will only require a small deposit to "join" which could save you big in the long run
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LuckyBrand1716.50 21X3M409.00 |
03-03-2024, 08:01 PM | #24 |
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03-03-2024, 08:14 PM | #25 | |
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03-04-2024, 08:19 AM | #26 | ||
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The only thing that is caveat though is and I have to talk with my dealer for absolute sure is if you use BMW finance you don't get the full amount and it drops down to only $500. You also it appears can't use loyalty with it either. You can use a supplier discount with it if you finance through someone else so I may have to do that but man I've been looking around local and the interest rates are crazy. I'm not a member of Navy Federal but I may apply as their rates are pretty good so I guess it's just a matter of stacking and interest rates if it's better to just stay with BMW finance or bring your own. I will have to run the numbers both ways. |
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03-04-2024, 08:55 AM | #27 |
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Also don’t get screwed by the finance guy trying to upsell stuff.
Ran into a small group of Corvette guys tailgating in a parking lot yesterday and heard their conversation. One of them said I told the sales manager if you make me step into fucking finance guy’s office the deal off. I will just sign the papers online or with you and drop the check but I am not dealing with that effing guy! It was very hilarious. In my experience 2 years ago the finance guy tried to upsell be everything from extended warranty to wheel/tire pkg, dent removal and whole bunch of other crap I can’t remember. He said only $250 per month for 5 years. Did a simple math and told him you realize it adds up to 15 grand. He was silent. And this is a guy I met few months before when I ordered my car and gave him my Indy shop contact because he was bitching to me that the dealership he works at doesn’t give him a good discount on his E46 M3 brakes and other service!
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Kevin_The_Clean13862.00 |
03-04-2024, 09:09 AM | #28 | |
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Kevin_The_Clean13862.00 |
03-04-2024, 10:39 AM | #29 |
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The finance office is the worst part of buying a new car, and it's not close. I'd pay an extra $500 just to not have to deal with that rigmarole.
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LuckyBrand1716.50 Kevin_The_Clean13862.00 |
03-04-2024, 10:45 AM | #30 |
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Potatohead-M2288.00 |
03-04-2024, 11:48 AM | #31 |
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Yup, finance guy tried to sell me on tinting the two front windows for $700.
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