09-10-2017, 04:46 PM | #67 | |
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09-10-2017, 06:38 PM | #68 | |
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I already called a few dealers within 1 hour driving distance from me and they either said NO or we have no allocation for 2017/2018. If I find an out of state dealer willing to sell at MSRP I would have to pay the $800 transportation fee plus all the headaches involved if something goes wrong. This is why I think the $700 over MSRP from a dealer 15 minutes away is reasonable for me. |
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09-10-2017, 08:31 PM | #70 | |
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09-10-2017, 11:12 PM | #71 |
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09-10-2017, 11:43 PM | #72 | |
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It’s the only car I’ve ever inquired about where th dealer didn’t hound me for days. They called me once. Yesterday it was sold. Ultimately I couldn’t cheat on my CA. He’s a good guy. |
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09-11-2017, 12:27 AM | #73 |
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hi, read you did $700+ and you live 15min from the dealer. if true then I think you did just fine. ca is a different animal than the rest of the us. curious, is the $5K refundable and did you search out other lenders like pedfed, nfcu, etc. I know rates have gone up but I am at 1.99 @ penfed and my purchase date was 10/18/16 so it might be worth checking out. also make sure the dealer did not obliterate your profile with hard pulls, get them to remove all but one if they did. you will love the car, I am in sb this weekend and its been a blast even in the rain
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09-11-2017, 12:45 AM | #74 | |
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09-11-2017, 02:52 AM | #76 |
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Drove the M235i (ZF Auto) and M2 (DCT) back to back when purchasing.
Straight line speed and interior comforts there's not much between them. But for me, everywhere else the cars are different. From the aggressive styling, flared arches exposing those gorgeous hips to the way the power comes down. The crackle and pop of the exhaust in MDM mode the planet-sized disc rotors filling every inch of gap in the forged wheels. The money says M240i. The heart says M2. Follow the advice here: find the M2 at MSRP and live and enjoy. |
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09-11-2017, 07:52 AM | #77 | ||
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09-11-2017, 01:42 PM | #78 |
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09-11-2017, 01:44 PM | #79 |
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CUs are your best bet, love all things chase except for car loans unless you are getting a jag which they have a tie into
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09-11-2017, 01:49 PM | #80 |
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models mean nothing if the lender's back end count inqs. amex, chase, citi, penfed esp all count total hp's. bottom line is agree with the dealer on a single and have them remove anything that was out of the agree zone. some dealers spray 8+ inqs, I would be shooting someone if that happens to my file but everyone is different. I worked hard for perfect credit, aim to keep it that way
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09-11-2017, 05:23 PM | #81 | |
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All dealers participate in "shotgunning" (shoving through a bunch of loan apps) unless explicitly told not to. Because they too know that it doesn't effect a borrowers ability to borrow or their score if done within 14 days of each other. Of course you're going to get dinged on that 1. And if you already have more than 1 now you're talking 2 and a assured credit score drop. I got a pretty close to perfect score. Subscribed to MyFico.com and get my Fico8 regularly. Just got my Chase Sapphire Reservd a month after 'shotgunning' 8 inquiries for my M2. No effect. Of course everything I just said is easily Goog'able. We can get into a game of "ya....but" but I'd rather not spread false information to potential car buyers. http://www.experian.com/blogs/ask-ex...r-an-car-loan/ 1 of 1000s of articles on the subject. Last edited by OSee; 09-11-2017 at 05:30 PM.. |
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09-11-2017, 05:33 PM | #82 | |
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09-11-2017, 10:08 PM | #83 | ||
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09-11-2017, 10:10 PM | #84 | |
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09-12-2017, 09:28 AM | #85 | ||
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2020 F87 M2 Competition /l\ LBB /i\ Executive Package 2013 E70 X5M /l\ Space Grey /i\ Full Silverstone Leather /l\ LED Headlights /i\ Comfort Access /l\ HUD /i\ Ventilated Seats /l\ 22" BBS SV BMW CCA Member |
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09-12-2017, 12:36 PM | #86 |
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Everyone says they understand ED and they're easy to work with; however, their rates are no longer impressive nor hard to beat - they have 3.24% for 72 months and 2.99% for 60 months, compared to BMW FS at 3.31% for both of those terms. PenFed does have lower rates for shorter terms though. Other credit unions, including mine, offer 1.99% for up to 72 months but if you're doing ED, they can often be clueless.
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2018 M2: BSM, Exec, 6MT (ED on 10/5/17, re-delivery on 11/30/17) My BSM M2 European Delivery Story
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09-12-2017, 04:57 PM | #87 | |
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The problem is it is only valid for 90 days but my car won't arrive until April 2018. |
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09-12-2017, 05:10 PM | #88 | ||
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2020 F87 M2 Competition /l\ LBB /i\ Executive Package 2013 E70 X5M /l\ Space Grey /i\ Full Silverstone Leather /l\ LED Headlights /i\ Comfort Access /l\ HUD /i\ Ventilated Seats /l\ 22" BBS SV BMW CCA Member |
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