Quote:
Originally Posted by f80er
I think you should buy something within your budget. And if you did have good credit and low debt to income I would always finance through the dealer because, in my experience, their rates are always better than big name banks.
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BMW FS rates fluctuate way more than regular banks. When we bought my wife's 2018 M3, our credit union had better rates than BMW FS, but we did Euro Delivery so we had to finance through BMW FS. Once the car was redelivered, we refinanced at our credit union for almost a full percent less.
Neither was as good as the BMW FS rate of 0.9% on my 2016 M4.