Quote:
Originally Posted by momos750
Interest rates and money factors are credit driven. I'm not sure what the top tier rates are but I believe it's 680 fico or higher. In other words your only bargaining chip to get the best money factor is having the minimum fico score for the top tier. BMW sets the MF at .0013 across the board, regardless of geographical location within the U.S. BMWFS allows the dealership to mark up the MF a maximum of 4 points. Which is what they are trying to do to you at .0017.
My advice would be to deal with a dealership or individual that doesn't dick you around from the start.
There are a couple of dealerships that sponsor here on the boards. My advice would be talk with Greg Poland at Pacific BMW.
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Thanks for feedback. Yeah, my FICO is well above that level; so nice to know. [Flashback of Experian Credit Tracker commercial.] hahahaha I want the X5, with a great discount...oh, and I want your office plant to Mr. Salesman!
p.s. I live in MD, so Cali may not be best choice. ha