[nioh_lbbm2]

Originally Posted by jdub486

That’s a great deal if true. Others have mentioned the dealer won’t let me re-fi even though I picked up the car 10/31 and this deal apparently became available on 11/1?

I’m debating re-financing. I got 4% despite excellent credit. Pen Fed Crédit union is one I have have used in the past. They have 3.5% for 48 months and 3.25% for 36 months. Would save me only about $500 over the life of the loan. They took my credit application on 10/31. What’s the best time for me to re-fi? ASAP? Or by end of November?

Sooner the better for the lenders to consider it a "new" car. I did mine after about 3 payments.

[HPIA4v2]

Originally Posted by nioh_lbbm2

Sooner the better for the lenders to consider it a "new" car. I did mine after about 3 payments.

My CU consider 1-yr old model under new car, but yes the sooner the better

[HOT M]

Originally Posted by CosmosMpower

My CA just told me BMW FS updated M2C financing for Nov to 2.99 up to 60 months.

Can this be used also for lease/money factor or only for purchase.

[CosmosMpower]

Originally Posted by Z M ROAD

Can this be used also for lease/money factor or only for purchase.

No idea go on BMW FS and look at their payment calculator. I think there's a separate calculation for lease.

[HPIA4v2]

AFAIK, BMWFS base MF is .00182 for top tier credit score customers.
But I believe dealer can mark it up, with scarce allocations it's very hard to shop MF rate as well. it;s like looking for hot GF that is low maintenance

[junx]

Yikes. Even ~3% seems high still..