3.9 APR 328s 4.9 for 335s

YULY · 10-13-2007, 07:22 PM

BMW is running low interest rates for the 328/335 coupes & sedans. I believe the promotion is until the end of the month. My PDC is Nov 28th, have any of you guys getting your car after Oct 31 able to lock in the low interest rate w/ BMW financial?

update,
my CA thinks BMW can only lock the 3.9 APR until the car arrives if the car is being leased. If the car is being purchased, it must be done before the end of the month to take advange of the low APR.

Do you guys agree......

XS4 · 10-13-2007, 07:45 PM

I just took delivery of mine and I got the 4.9, it was a better rate than what my credit union could offer!

abmw · 10-14-2007, 10:17 AM

Yes, they will lock the interest rate for you, I asked the same question. Just confirm with your CA that they will do that!!

YULY · 10-14-2007, 11:56 AM

is the low rate for 36/48 or 60 months?

XS4 · 10-14-2007, 01:57 PM

mine's for 60 mos.

mrbrett · 10-14-2007, 02:01 PM

I locked in 4.9 for 60 months when I ordered mine on Monday.

Boben5 · 10-14-2007, 02:14 PM

you guys financing a car for "60" months, good lord, I'll pray for you.

wesley_willis · 10-14-2007, 03:57 PM

+1 on the lock-in.. they will lock in the rate for you

XS4 · 10-14-2007, 04:56 PM

60 mos is not bad -if- you put down a big downpayment (20k+) and plan to pay it off early in 24 mos.

YULY · 10-14-2007, 11:03 PM

Quote:

Originally Posted by benbo5

you guys financing a car for "60" months, good lord, I'll pray for you.

It makes sense to keep my money in my savings account at 5.5% and pay interest at 3.9 right...

Munich_Menace · 10-14-2007, 11:11 PM

Quote:

Originally Posted by benbo5

you guys financing a car for "60" months, good lord, I'll pray for you.

^BIG STATEMENT FROM A GUY WHO DRIVES AN ISUZU

YULY · 10-18-2007, 09:45 AM

bump

neophani · 10-18-2007, 06:06 PM

Quote:

Originally Posted by YULY

It makes sense to keep my money in my savings account at 5.5% and pay interest at 3.9 right...

except that you have to pay taxes on the interest you earn

jahwerx · 10-18-2007, 08:45 PM

Quote:

Originally Posted by YULY

It makes sense to keep my money in my savings account at 5.5% and pay interest at 3.9 right...

+1 - I was offered 2.9% on my previous car - I said "What is the maximum term?" then I took it. Free money.

Sideshow · 10-19-2007, 12:39 AM

Quote:

Originally Posted by benbo5

you guys financing a car for "60" months, good lord, I'll pray for you.

I appreciate it.....but why?

samwoo2go · 10-19-2007, 02:27 AM

Quote:

Originally Posted by Sideshow

I appreciate it.....but why?

He is 1 of those guys that thinks if you have to finance for 60 months for a car, you can't really afford it.

cipher5 · 10-19-2007, 01:42 PM

My last car I financed for 60 months @ 3.9, paying it off early I would have saved only a payment ($500). Big deal for peace of mind incase something out of the ordinary happens. Not to mention the car had extremely positive equity, I had something like 9K left to pay at the time and the car was worth 23K. The 60 Month term being too long is total BS.

adrian's bmw · 10-19-2007, 01:47 PM

Quote:

Originally Posted by cipher5

My last car I financed for 60 months @ 3.9, paying it off early I would have saved only a payment ($500). Big deal for peace of mind incase something out of the ordinary happens. Not to mention the car had extremely positive equity, I had something like 9K left to pay at the time and the car was worth 23K. The 60 Month term being too long is total BS.

You know, there's something to be said about having clear title and no payments after 60 months. It's not so much that you'll have equity, but you'll just have no payments and just insurance, gas, and maintenance. Nothing wrong with that.

E90RWC · 10-19-2007, 07:35 PM

Quote:

Originally Posted by samwoo2go

He is 1 of those guys that thinks if you have to finance for 60 months for a car, you can't really afford it.

In reality, if you have to take out a loan to buy a car, you really can't afford it.

John 070 · 10-20-2007, 11:17 AM

Quote:

Originally Posted by XS4

60 mos is not bad -if- you put down a big downpayment (20k+) and plan to pay it off early in 24 mos.

If you've obtained 4.9, you don't have to be in an absolute hurry to pay it off. If you were buying an Accord, and you financed 100% at 4.9%, yes, I'd say pay it off in 1-2 years.

I'm financing over 60 mos. at 5.5%, which was good in 12/06. I don't agree with those big shots who say, good luck you poor people who can only put down 21k on a 335, why don't you stick to your Hyundais like you deserve you little weasels! *LOL* That's just pompous.

As far as I'm concerned, even a monkey can buy BAC stock and get a 5.1% dividend today, or get 5.05% in an internet savings account. Your car loan is lower than that. So I say good job to those who've obtained 4.9% financing. There are many opportunities out there to earn more than 4.9%. The prime is at 7.75%.

John 070 · 10-20-2007, 11:19 AM

Quote:

Originally Posted by benbo5

you guys financing a car for "60" months, good lord, I'll pray for you.

btw I called you pompous. Just didn't want you to miss my comment about you.

10-13-2007, 07:22 PM	#1
YULY Private First Class 10 Rep 187 Posts Drives: 2008 328i coupe Join Date: Aug 2006 Location: Fairfax iTrader: (3) Garage List 2006 325xi [0.00]	3.9 APR 328s 4.9 for 335s BMW is running low interest rates for the 328/335 coupes & sedans. I believe the promotion is until the end of the month. My PDC is Nov 28th, have any of you guys getting your car after Oct 31 able to lock in the low interest rate w/ BMW financial? update, my CA thinks BMW can only lock the 3.9 APR until the car arrives if the car is being leased. If the car is being purchased, it must be done before the end of the month to take advange of the low APR. Do you guys agree...... Last edited by YULY; 10-18-2007 at 09:45 AM.. Reason: update
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10-13-2007, 07:45 PM	#2
XS4 slave to the dark side 30 Rep 173 Posts Drives: 2008 335i Sedan Join Date: Jul 2007 Location: FL iTrader: (3)	I just took delivery of mine and I got the 4.9, it was a better rate than what my credit union could offer!
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10-14-2007, 10:17 AM	#3
abmw Private First Class 8 Rep 132 Posts Drives: 335xi Coupe Join Date: Oct 2007 Location: MN iTrader: (0)	Yes, they will lock the interest rate for you, I asked the same question. Just confirm with your CA that they will do that!! __________________ 2008 335xi Coupe - Sapphire Black, Black Dakota, Gray Poplar, Premium, Sport, Cold Weather, Steptronic/Paddles, Comfort Access, HD, IPOD.
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10-14-2007, 11:56 AM	#4
YULY Private First Class 10 Rep 187 Posts Drives: 2008 328i coupe Join Date: Aug 2006 Location: Fairfax iTrader: (3) Garage List 2006 325xi [0.00]	is the low rate for 36/48 or 60 months?
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10-14-2007, 01:57 PM	#5
XS4 slave to the dark side 30 Rep 173 Posts Drives: 2008 335i Sedan Join Date: Jul 2007 Location: FL iTrader: (3)	mine's for 60 mos.
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10-14-2007, 02:01 PM	#6
mrbrett Second Lieutenant 102 Rep 248 Posts Drives: 2022 M4 Join Date: Oct 2007 Location: SoCal iTrader: (0)	I locked in 4.9 for 60 months when I ordered mine on Monday.
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10-14-2007, 02:14 PM	#7
Boben5 Lieutenant 21 Rep 434 Posts Drives: '08 328 coupe Join Date: Oct 2007 Location: North Carolina iTrader: (0)	you guys financing a car for "60" months, good lord, I'll pray for you. __________________ '11 328I sedan- Le Mans Blue- MSport '14 428 coupe-Alpine White-MSportelivered
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10-14-2007, 03:57 PM	#8
wesley_willis Private First Class 4 Rep 137 Posts Drives: 2008 BMW 335i Join Date: Dec 2006 Location: TX iTrader: (1)	+1 on the lock-in.. they will lock in the rate for you __________________ 2008 335i Coupe, Monaco Blue and Saddle Brown/Gray Poplar ZPP, ZSP, HD Radio, CA, iPod+USB Production Completed Oct. 16th; Left for the US on the 23rd of Oct. via INTEGRITY; Delivery 11/16
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10-14-2007, 04:56 PM	#9
XS4 slave to the dark side 30 Rep 173 Posts Drives: 2008 335i Sedan Join Date: Jul 2007 Location: FL iTrader: (3)	60 mos is not bad -if- you put down a big downpayment (20k+) and plan to pay it off early in 24 mos.
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10-18-2007, 09:45 AM	#12
YULY Private First Class 10 Rep 187 Posts Drives: 2008 328i coupe Join Date: Aug 2006 Location: Fairfax iTrader: (3) Garage List 2006 325xi [0.00]	bump
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10-19-2007, 01:42 PM	#17
cipher5 565 Rep 3,472 Posts Drives: 2020 Donington Grey X3M Comp Join Date: Jul 2007 Location: Chicago, IL iTrader: (12)	My last car I financed for 60 months @ 3.9, paying it off early I would have saved only a payment ($500). Big deal for peace of mind incase something out of the ordinary happens. Not to mention the car had extremely positive equity, I had something like 9K left to pay at the time and the car was worth 23K. The 60 Month term being too long is total BS.
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