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BMW FS "Tier 1" minimum credit score (aka FICO, FICO auto enhanced or from one of the 3 bureaus) is around 650 IIRC. Anything above that doesn't yield a better rate. If you have no credit history, check your credit score. Do not use any free FAKO scores except as a general reference as their models generally inflate the number. Keep in mind that as a new young (I assume) customer, they will look closely at your income to debt ratio in determining if you can reasonably make the monthly note- in addition to your credit score and cash down payment. Don't get into a ride with a crazy rate of 12% you will regret it. I got .9 for 72 -$115,545 sticker - $106,500 with $8000 down (basically prepaid the tax) with a payment of $1540.00. Also the "Leasematic" iPhone app is very accurate and also work for purchases. Financing is just a math function - the key is to always negotiate the best sale price on the purchase as this will obviously govern the payment. Good luck!
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