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Bad deal.
Try and get to ZERO down. Unicorn deals on these cars are tough to get if you don't have OL codes, bonuses, loyalty etc etc. It can be done, but just not the easiest thing in the world.
I recently picked up an M3. The CS I was looking at didn't happen, so went with a fully loaded M3 (comp pack, MPE, executive, CF goodies all around) for $798/month with zero down and zero drive offs. No security deposits.
When you talk to dealers, ask for over 20% off MSRP. Most will not play, but the ones that do, will come close to that number. From there on, with incentives, you should be able to get a good monthly payment. Try and roll everything into the monthly and never put any money down on these cars. Good luck!
Target point for M3 discounts is anywhere from 18-22%. 22% can get you a unicorn deal. 18% will get you a good deal. I was at 18% discount before incentives
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