[snare108]

Originally Posted by NCboomersooner

Got mine today. I was also able to get 2.9% financing through BMW Finance. Best rate I have seen in a long time.

Nice! I saw 2.9% financing and $1500 bonus offers for 330i's but nothing on the BMW site for the 2025 M340i I am waiting for. This is giving me hope.

[seezur]

Originally Posted by NCboomersooner

Got mine today. I was also able to get 2.9% financing through BMW Finance. Best rate I have seen in a long time.

How’d you negotiate that? I was down to like 5.5% couple months ago when I made the deal but I’d like to get lower.

[Blasphemy]

Originally Posted by NCboomersooner

Got mine today. I was also able to get 2.9% financing through BMW Finance. Best rate I have seen in a long time.

Picking mine up tomorrow. Hoping there is a rebate for financing through BMWFS, but like snare108, I'm not seeing anything for the 25 M340i.

[NCboomersooner]

Originally Posted by seezur

How’d you negotiate that? I was down to like 5.5% couple months ago when I made the deal but I’d like to get lower.

I wasn't even planning on financing through BMW. I was going through USAA. I said you give me a better rate and i'll finance through BMW. They said they needed to push cars because last month was tough throughout BMW because of recalls last month. I have 868 credit and got 2.9% and decided to use BMW finance. Literally happened to today.

[snare108]

Originally Posted by NCboomersooner

I wasn't even planning on financing through BMW. I was going through USAA. I said you give me a better rate and i'll finance through BMW. They said they needed to push cars because last month was tough throughout BMW because of recalls last month. I have 868 credit and got 2.9% and decided to use BMW finance. Literally happened to today.

Good to know, thank you. I also have a super prime score, so will definitely try to negotiate down to that.

[TankerFlight]

Originally Posted by NCboomersooner

I wasn't even planning on financing through BMW. I was going through USAA. I said you give me a better rate and i'll finance through BMW. They said they needed to push cars because last month was tough throughout BMW because of recalls last month. I have 868 credit and got 2.9% and decided to use BMW finance. Literally happened to today.

That’s good, but I personally would lose $2500 in military incentives if I finance with BMW. So it may be better for me to just use a 4.49% rate from USAA. But it’s also kinda a pain vs doing everything internally.

[335aw]

wow. the M440i just went to 3.99 last month (and this month). The 340s are at 1.99. Thats awesome. If I could get that price, id prob buy today.

[TankerFlight]

Originally Posted by 335aw

wow. the M440i just went to 3.99 last month (and this month). The 340s are at 1.99. Thats awesome. If I could get that price, id prob buy today.

Where do you see 1.99? BMW Finanacing only shows 2.99.

[seezur]

I’d like to negotiate something like 2.99% but I can’t find any banks or unions online offering much better than 4.5%. The 2.99% I’m seeing is for the 2024s.

[TankerFlight]

Originally Posted by seezur

I’d like to negotiate something like 2.99% but I can’t find any banks or unions online offering much better than 4.5%. The 2.99% I’m seeing is for the 2024s.

My dealer confirmed my 2025 coming in could be at 2.99%. However, if you don’t plan to keep the loan for the full term, it may be worth to have a higher rate and get the extra incentives (in my case $3000 vs $500) as the monthly payments may be similar, but you’d have to front up the difference to have a similar payoff schedule.

[seezur]

Originally Posted by TankerFlight

My dealer confirmed my 2025 coming in could be at 2.99%. However, if you don’t plan to keep the loan for the full term, it may be worth to have a higher rate and get the extra incentives (in my case $3000 vs $500) as the monthly payments may be similar, but you’d have to front up the difference to have a similar payoff schedule.

Ok I’ll ask them then. I usually keep my cars ~8 years so 2.99% would be great.

[TankerFlight]

Originally Posted by seezur

Ok I’ll ask them then. I usually keep my cars ~8 years so 2.99% would be great.

Yea I plan to keep the car for many years.

Just want to reduce the interest paid overall by paying off early. I’ve been crunching the numbers and will have to decide soon which route to take.

[yukoncornelius]

In September when I signed, it was 3.99 up to 60 months - still not bad.

[Bmasc]

Originally Posted by Accucon4202

Here you go guys, just took delivery this afternoon 🫡

Your car looks great. Did you get all weather mats as an option when building? I don’t remember seeing that, but I definitely need some, took delivery today

[Accucon4202]

Originally Posted by Bmasc

Your car looks great. Did you get all weather mats as an option when building? I don’t remember seeing that, but I definitely need some, took delivery today

Damn, that’s nice! Yeah I got them when I first placed my order. However, I think it’s just a dealer add on. 2024 all weather mats and cargo mat fit the same.

[walker1971]

My 2025 M340i that should be ready in a few weeks is at 5.9% it has not changed 🤷‍♂️ I live in the uk and when I saw lots of posts with the lower percentage rates I was getting excited, clearly it’s not changing in the uk 🤷‍♂️

[NCboomersooner]

Originally Posted by Bmasc

Your car looks great. Did you get all weather mats as an option when building? I don’t remember seeing that, but I definitely need some, took delivery today

I got the exact same Black Sapphire Metallic, black wheels, etc. Love it. I always end up getting black cars. i always say i won't and then end up doing it. When they are clean it's one of the best looking on the road.

The dealership just told me to write a google review and they will just throw in the all weather mats. They probably would've anyway, but it took me 2 seconds to write the review.

[NCboomersooner]

Originally Posted by yukoncornelius

In September when I signed, it was 3.99 up to 60 months - still not bad.

In September that's a great rate. Heck if you look around at most places that offer car loans, including dealerships, that is still fantastic.

[NCboomersooner]

Originally Posted by TankerFlight

My dealer confirmed my 2025 coming in could be at 2.99%. However, if you don’t plan to keep the loan for the full term, it may be worth to have a higher rate and get the extra incentives (in my case $3000 vs $500) as the monthly payments may be similar, but you’d have to front up the difference to have a similar payoff schedule.

You can still get more than $500 off if you finance through BMW. I was able to get $1,500 off. Additionally, the dealership still gave me the amount on my trade that they had appraised well over 35 days ago. Since then put on another 1,000 miles. It was also $1,500 more than even carmax would give or even what the trade value was. So it was like getting $3,000 off for me. Overall, I'm good with the deal I got. I was shocked at the rate. Nobody has that rate right now.

[335aw]

Originally Posted by TankerFlight

Where do you see 1.99? BMW Finanacing only shows 2.99.

ah you are correct. its the 2024 models. obviously trying to clear old inventory.

https://www.bmwusa.com/special-offers.html

[smeal4128]

Originally Posted by Rah11

Just got moved to in transit!! I’m on the glovis challenge

I imagine I am too, but haven't called yet. Any idea on ETA for you? My dealer said end of month, but I have to imagine it might be sooner than that.

[seezur]

Originally Posted by smeal4128

I imagine I am too, but haven't called yet. Any idea on ETA for you? My dealer said end of month, but I have to imagine it might be sooner than that.

I’m on the Glovis Challenge and have been in transit for a while now. Boat just moored at Brunswick today. I’m wondering if they flat bed them from there up the NE coast. Dealer originally told me mid October which is believable if that’s the case.