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I was pre-approved with my credit union for 2.49% (36 months) and 2.74% (48 months) and also pre-approved with BMW Financing for 2.89% (60 months). I could not find any BMW dealers in Southern California that would match my credit union rate or the BMW Financing rate from the out of state dealer. All they would say is that the rate must be region specific and they could not match the rate which seems bogus if the BMW Financing rates are national.
I ended up financing with BMW since it seemed a tad quicker to complete the out of state purchase and I also plan to pay off my loan by the end of this year or 2020 so the difference in interest rates will be negligible.
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