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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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