Seeing as how it's pretty annoying to figure out what payments are via BMW Select financing, I went ahead and took a stab at making an excel calculator. This should make it much easier, but I would appreciate having someone double check my formulas. I believe they are correct though and I have worked it backwards to verify. This calculator really shows how much the 2.99% apr sucks compared to the .99%...it's a solid $65 monthly difference.
https://dl.dropboxusercontent.com/u/...alculator.xlsx