01-17-2019, 05:45 PM | #1 |
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Doing European delivery, CT dealer I'm in Massachusetts 90 miles away,
Some fees: conveyance fee? $695 Annual rate 4.49% base rate is (advertised) 2.89% I have nearly 800 credit score Now they claim it's a glitch on the web site... it's 4.49% best rate... on bmw USA website for 24-60 months 2.89% 2019 M2 |
01-18-2019, 07:25 AM | #2 | |
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Most dealers mark up rates coming from BMWFS |
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01-18-2019, 10:38 AM | #3 | ||
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It's the same crap they try and pull year after year, 6th BMW, several stores similar games From 2002-now I get trucks as a 2nd vehicle, example Ford F-150, I ask dealers when I'm shopping sell at invoice minus half the holdback we have a deal, my excuse is I can get this truck any place hundreds in my state in color and configuration, after a few calls I get the deal Bmw different animal, no manufacturer hold back and limited stock Holdback is a few percent of msrp of vehicle price, dealer gets if car is sold within 90 days |
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01-22-2019, 11:35 AM | #5 | |
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General manager will not budge. They have my deposit, car being built soon, delivery in 3 weeks Can't exactly go to another bmw store now. Bmw financial isn't helpful, it's up to the dealer, they can't confirm or deny out of state dealers can't use customers home rate. I wanted to just give a check from my credit union 2.74% but I thought 2.89% with manufacturer would just be smoother not I'm paying 50% finance charge Marketing rate for Connecticut is 4.5% Massachusetts 2.89 per Bmw website using zip code |
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01-22-2019, 11:45 AM | #6 | |
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01-22-2019, 11:49 AM | #7 | ||
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01-22-2019, 11:49 AM | #8 |
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If you're locked into BMWFS, just refinance when you take delivery with your credit union. Have done it a number of times at dealerships. They tend to give you better deals if you use their financing, only because they are tacking on a couple points for themselves.
Drive off the lot straight to my CU and refinance for an extremely low rate. |
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01-22-2019, 12:04 PM | #9 | |
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It's just part of the cost of getting the car around here I guess. was planning on paying off sooner anyway |
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01-22-2019, 12:29 PM | #10 |
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Pentagon Federal is 3.5 for 48 and 3.74 for 60. I always used them in the past but this time I went with BMW.
https://www.penfed.org/auto/new-auto-loans |
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01-22-2019, 07:16 PM | #11 | |
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wifey said chillax, they only burned you a little and you got what you wanted Euro Delivery with a white M coupe 6MT I'll have fun with the finance girl, act interested in everything she's trying to sell, ask the same questions over & over again |
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01-23-2019, 09:47 AM | #13 | |
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then say at the last, I'm refinancing tomorrow to save 1/4% lol |
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