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      04-09-2018, 03:43 PM   #1
Grimlock85
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Financing Options

Just wondering if anyone knows of any place that can offer better than 3.9% financing thru bmw. I was told this is the best BMW can do.

I'm thinking some credit unions can beat that?
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      04-09-2018, 05:11 PM   #2
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I used BECU credit union. They were at 2.94%.
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      04-09-2018, 05:59 PM   #3
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Try Lightstream
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      04-09-2018, 06:08 PM   #4
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2.19% at my credit union – Mission Federal.
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      04-09-2018, 06:17 PM   #5
Grimlock85
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Thanks guys,

I've been reading about the air force federal credit union. Anyone have any experience using them? It's showing a 2.14% plus you can get some point discounts.
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      04-12-2018, 07:03 PM   #6
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Quote:
Originally Posted by nom_nom_time View Post
Just wondering if anyone knows of any place that can offer better than 3.9% financing thru bmw. I was told this is the best BMW can do.

I'm thinking some credit unions can beat that?
I think it depends on your credit rating. I got 0.9% thru BMWFS in Dec.
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      04-13-2018, 08:49 AM   #7
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The best BMW was offering was 3.99% when I took delivery in March 2018. That 0.9% BMWFS rate was long gone. My dealership got me 2.59% through USBank (matching what USAA was offering at the time); the dealer must have special agreements with certain finance companies because that interest rate was waaaay lower than what I could've gotten through USBank (or pretty much any of the larger credit unions) on my own.

My credit is top tier so the 0.99% not being available through BMWFS had nothing to do with that.
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      04-22-2018, 02:18 PM   #8
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I just picked up my MG MT M2 yesterday and told them I was financing through my credit union at 2.49. they gave me BMW 1.9 for 60 months
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      04-24-2018, 04:55 AM   #9
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Quote:
Originally Posted by kfscoll View Post
The best BMW was offering was 3.99% when I took delivery in March 2018. That 0.9% BMWFS rate was long gone. My dealership got me 2.59% through USBank (matching what USAA was offering at the time); the dealer must have special agreements with certain finance companies because that interest rate was waaaay lower than what I could've gotten through USBank (or pretty much any of the larger credit unions) on my own.

My credit is top tier so the 0.99% not being available through BMWFS had nothing to do with that.
Happened to be in the dealership today & inquired about that... they told me I could get the same 0.99% if I wanted another one.
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      04-24-2018, 12:19 PM   #10
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Quote:
Originally Posted by Wharf Rat View Post
Happened to be in the dealership today & inquired about that... they told me I could get the same 0.99% if I wanted another one.
Huh. Maybe it varies by region. Or maybe my dealer was full of shit.
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      04-24-2018, 03:56 PM   #11
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Quote:
Originally Posted by kfscoll View Post
Huh. Maybe it varies by region. Or maybe my dealer was full of shit.
The dealer can buy down the BMW rate for you. I am sure that is what they quoted you.
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      04-24-2018, 06:42 PM   #12
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3.99% is the current going rate for top tier credit with BMW Financial. The base rate with the FED recently increase, so BMW was forced to slightly increase their promotional rates. They are not trying to rip you off, as far as interest goes..
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      04-25-2018, 09:12 PM   #13
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Incentives and Rates are regional. Here is the M3 offer for my area to compare to what Poochie posted.
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      04-26-2018, 06:20 AM   #14
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I always thought that the promotions are the standard nationwide (Except PR), didn't know they varies by region. That's how most manufactures promote their products, across the board.

I am in the East cost, NY/NJ which that I promotion I submitted is based out of.

I was correct about the interest rate increase though.


https://amp.businessinsider.com/fede...ch-2018-2018-3

Last edited by Poochie; 04-26-2018 at 09:59 AM..
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      05-04-2018, 11:17 PM   #15
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It depends on your credit score, but I was able to get a 0.99% APR through San Francisco Federal Credit Union.
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