2013 and earlier BMW X3 Prices Paid and Buying Experience

ledname

Finished my deal today at BMW of W. Springfield (MA)

X3 3.0
Auto
Premium
Cold
Heated Steering
Xenon
Privacy
Satellite Prep
Mystic Blue

MSRP 41395

Cap Cost 39850 (inluding acq fee)
MF .00100
Resid 59%

Payment $522.37 (includes 6% Sales Tax)

Due at signing: 522.37+ $550 deposit + 289 Doc fees (would not negotiate these)= $1361.37

Now I just have to help they can locate it...apparently Mystic Blue is not as available as other colors.

Will write back about delivery process.

holdsg1

Today I received a dealer quote with enough detail to check the lease math. I found a few things I was not quite expecting,

First, this dealer is basing the residual value (61% in this case) off of MSRP, not negotiated sales price. Is that the way it is supposed to go? If so, I need to recalibrate my own lease math spreadsheet.

Second, and reminding me of Kyfdx's advise not to pay cap cost reduction if you can avoid it, you also pay sales tax on the cap cost reduction (in the deal quoted me, the tax was computed on the cap cost reduction plus a documentation fee of $45). How does the state get away with that one? I guess it helps one understand that cap cost reduction is nothing more than prepaid depreciation and interest (better to keep it in your own pocket, then).

Lastly, the dealer is quoting a money factor of .00135, which thanks to this board is definitely a target for negotiating down.

In case anyone is still reading, here are the details of the deal, BMW of Riverside, CA.

X3 3.0
only options are metallic paint and satellite prep
MSRP: $37,545 incl dest.
Selling Price: $35,490
Term: 36m, 12k miles
Money factor: 0.00135
Residual: 61%
Bank fee: $825
Cap Cost Reduction: $2,325
Cap Cost tax: $183.67
Tags: $300.75
Documentation fee: $45

Monthly payment (pretax): $384.79
Total drive off: $3,269

drmy

x3 3.0i
msrp 39870
selling price $37763.56
36mo/15k
acq fee $625 (included in cap cost)
govt fees $196
taxes $1888.18 (Maryland)
sec deposit $550
initial payment $1084.82 (sec deposit and first mo.)
money factor .00100
mo payments $534.82

kyfdx

1) I think they are adding the $825 acq.fee into the cap cost, before making your cap cost reduction.. This acquisition fee is marked up $200.

2) Yes.. residual is always figured off of MSRP.

3) It looks like they are bumping the money factor from .0010 to .0012, and also adding .00015 in exchange for waiving the security deposit.. giving you a total of .00135.

4) You are correct about the tax on cap cost reductions... but, the same is true for doc fees.. and acquisition fees for that matter.

I would ask them to drop the acq.fee to $625, and to use the base money factor of .0010.. and make the security deposit to avoid the waiver bump up to the money factor.

$37,545 MSRP
$35,490 Selling price
$36,115 CAP cost (selling price + $625 acq.fee)
36mo/36K lease
61% residual
.0010 Money factor
Payment $426.mo. pre-tax..

Due at signing: 1st payment, security deposit, $345 tags and doc fee... Probably right around $1300 total...

regards,
kyfdx

kyfdx

Well.... I got $534.81

Is that close enough? ;-)

It looks good.. Those are all the base lease rates... If you are happy with the selling price, then everything else is right on the money.

drmy

thanks! I was hoping you would answer this wknd :-). We are going in to seal the deal tomorrow!

nappie1

Hello.
I have been trying to come to a final number in dealing for an X3 3.0 and I think I have been playing with these numbers so long, I've confused myself.
When figuring out my cap cost, I have taken the wholesale price plus the dealer profit that the dealer and I agreed upon and added the Deposit, Acq. Fee, 1st month payment and the iPod adapter that we want added.
Is this all correct? I am unsure if the amount that is "total due at signing" (i.e. 1st payment, deposit, etc...) is included in the cap cost.

To lay it out for you here is what I am working with.
MSRP of 38,395
MF - .0014
@ 61%
Wholesale price of 35,385 (including Maco and Training Fee)
Dealer profit - 1600
Mats- 125
iPod - 300
Acq. Fee - 825
Deposit - 400
1st Month Payment - 400
So the adjusted cap cost that I am using is
39,035.
I then have a trade in of 5,080 to make that adjusted cap cost 33,955.

I added the mats and the iPod into the MSRP when working out my calculations so maybe that is where I am off.
Msrp 38395+125+300=38,820(.61)=23,680.2

Here are my calcs.
(33955-23680.2)/36 = 285.41
(33955+23680.2)(.0014)=80.69
for a total payment of $366.10 pre-tax.

The dealer is coming up with $385.43 pre tax. Not a big difference, but an extra $19.33 a month over 36 months means almost $700.

I have confirmed with the dealer that there are no other markups or fees and that the difference is how I am calculating it out.
We haven’t picked up the car as it is still at the VPC, so I haven’t had a chance to sit down and see how they are working their numbers out, but I would like to get some help here before I go in.

TIA for the help!

kyfdx

Without running the numbers... the first thing I see is you are adding the IPOD adapter and the mats to the MSRP.. I doubt you can residualize those options..

Secondly, ... $1600 over sounds a little high, considering the dealer is marking up the MF the maximimum amount, plus adding $200 to the acquisition fee.. This isn't a very good deal.

3) There is probably sales tax on your cap cost reduction.. So, any amount not allocated for the first payment and security deposit is taxed, and would reduce your cap cost reduction a similar amount... also raising the payment..

4) I would have the dealer cut a check for that trade, and only pay 1st payment and security deposit at signing..

I'll run a full set of numbers later.. Not sure you have any negotiating room left, since you have ordered the car...

regards,
kyfdx

kyfdx

$38,395 MSRP
$36,985 Selling price (invoice + $1600 profit)
$38,035 CAP cost (selling price plus IPOD, mats, $625 acq.fee)
3yr/36K lease
61% Residual
.0010 Money factor
Payment = $468/mo.+ tax
Due at signing = 1st pymt. + security deposit (approx. $1000)
$5080 trade equity - due at signing = $4080 due to buyer at delivery..

Don't use your trade as a downpayment, other than to cover your due at signing costs.. Put it in the bank and take $100 out each month to defray your lease cost..

Your dealer will likely balk at this... He is making an extra $1200 by bumping up your money factor and marking up the acquisition fee..

I happen to think that $1600 is plenty of profit, without making another $1200 in the finance office..

regards,
kyfdx

nappie1

Thanks you for reviewing the numbers kyfdx!

I appreciate your input and we will see what we can do.

ttothes

Hello!

I'm currently negotiating the purchase or lease of the following X3 and would really appreciate any one reviewing the numbers and offering any advice:

3.0i
Jet-black
Premium Package
Satellite Radio Prep
Automatic Transmission
Window Tint (done locally)

MSRP ($38,870) with tint ($180) has been quoted at $39,050; dealer will discount $1,700 to get to $37,350 w/out TTL.

The purchase APR I've been quoted is 3.9% all the way out to 60 months if desired.

The two leasing options are as follows:

1) 36mo lease
- 12k/yr
- $842 minimum down = $580mo.
- 61% Residual for buy out option of $23,710
- Money Factor .00155

2) 36mo Owner Choice (Balloon)
- 12k/yr
- $0 Out of Pocket = $588mo
- Same residual.
- 4.5% Interest

Do you think I should push for more off the sales price? And do these terms all seem reasonable and/or would you have a preference?

THANKS!!!!

vbak

vbak

Hello all,

Any ideas on the right purchase price in the Pittsburgh, PA area for a X3 3.0.
I am looking to buy a Metallic Black X3 3.0 w/Premium and Cold Weather Pkg in addition to some minor extras like servo steering, park distance control. I have been browsing the various websites (edmunds, kbb, carsdirect) and the thread and seems like people are trying to pay ~1500 over invoice.
Given the invoice price of ~$37.5, I am assuming ~$39k would be an ok deal. Is getting this car at invoice not feasible? I thought the invoice price already has some builtin markup for the dealer. Also, do these dealers throw in loaner cars when you take the car in for service?

I am posting the "public" prices I have researched below. Any thoughts on which number I should be striving for would be great.

Thanks

============================================
CarsDirect Invoice: $37,592 Sale Price: $39,342
Edmunds Invoice: $37,530 TMV: $39,721
KBB: Invoice: $37,510 BlueBook: $38,993

kyfdx

1) No comment on the owner's choice, as I don't follow those..

2) The lease is not a good deal.. and, unless your taxes are extremely high, they are really laying some extras into the price that aren't accounted for, plus marking up all of the fees and money factor..

3) Assuming all of the fees and money factors at their maximum, I could only come up with a payment of $498/mo + tax.. Unless there is something else I'm not aware of, the tax would have to be $82/mo to get to your payment..

This is how your lease deal should look:

$38,870 MSRP (tint is not residualized)
$37,350 selling price
$37,975 CAP cost (selling price + $625 acq.fee)
36mo/36K lease
61% Residual
.0010 money factor (base rate)
Payment: $458/mo + tax
Due at signing: 1st pymt, security deposit, title/license (about $260?) total approx. $1200-$1300.

If you can't get that lease deal, I'd be more inclined to just purchase the car at 3.9% for 60 months, rather than pay $580/mo for a lease.. Payments on your purchase price would be $686/mo.+ tax..

regards,
kyfdx

kyfdx

I think a good price to shoot for is $800-$1200 over invoice.. Anything more than $1500 over invoice seems to be a little much..

Good lease deals, if you can get the dealer to use the base rates...

vbak

Thanks for the quick response on the invoice price premium of about $800-1200.
Do you think there is some sort of cash back offer if one purchases the car outright?

Also is the invoice price the right benchmark?

Thanks, Vimarsh

kyfdx

No incentives on the X3, other than good lease rates...

If you look at invoice on KBB.com, that is usually very accurate.. I'd start negotiations at $500-$700 over that.. I'd try to target $1200 over as the max, but you might have to shop multiple dealers to get that..

04eph

Hi. I'd like to start by saying that this is my first post (discovered this site today!).

I am in the market for 2005 X3 2.5i SAV, Jet Black, Sand Beige Sensatec Leatherette, Steptronic 5-speed Automatic Transmission, Foglights, Xenon Adaptive Headlights, and Auxiliary Input Adapter Cable. BMWUSA site gave me 33,370 as configured. (MRSP 30,300). This will be my first SUV/SAV and my first brand new car. I am in Northern Virginia/DC Metro Area and I'd like to know:

1. Which dealers are hassle free, friendly, trustworthy?

2. What price I should shoot for? (I have a 8.5-9.5K trade in, and I have an Excellent 740+ Credit Score)

I can buy this car today or this week or in the next couple of weeks. Thank you for your help.

ttothes

awesome.....thanks kydfx!!! very enlightening info....you're right about there being some hidden stuff in there as my tax rate will be 6.25% (approx. $48.63 per month). i'll see what i can get out of them....

if you get a chance to answer, do you think the sales price is ok or should i negotiate further there as well?

thanks again!

ttothes

oops....~ $64.84 tax per month.

thanks again!

ttothes

oops yet again.....never try to do 45 things at once, especially when trying to figure out what to pay for a $30k+ item

$28.62/mo

mvs1

Just an FYI not concerning the purchase/lease price. But the window tint done locally. BMW offers privacy glass on the X3 and X5, granted a $350 option, if you want tint take it factory!!!. The factory glass is substantially better then aftermarket installed glass (I'm in the aftermarket business, my partner would kill me if he heard me saying that!). Aftermarket tint is actually a film with adhesive backing. Regardless of how "good" the tinter is contamination is always an issue when mounting the tint. The aftermarket tint can get scratched over time and will need to be replaced, very costly, a bummer if you plan on keeping this car for awhile, also requires use of different cleaners, etc. more maintenance for the user. Also, if they are charging you the same price $350 they are taking you for a ride, most reputable tint shops would charge no more then $250 (these are tri-state prices). Your best option is go with the factory tint which if it adds the same price ($350) will be residualized. (is that a word?). Then have the two front windows tinted to match the rest of the vehicle (about $50-65). Just my 2-cents

ledname

My dealer wants to charge $550 for Sirius and $80 for the Aux adapter. I'm think that is about double what I should be paying. Anyone have any experiences with these items? I will be picking up on Wednesday or Thursday and want to have some ammunition to bargain with.

Thanks!

bmwfan4

Picked up our x3.0 today so may be a little late to ask about our lease deal but here goes;
2005 3.0i x3
List price $41,145.00
Flamenco red 475.00
Premium Package 1,800.00
beige leather seats n/c
heated seats 500.00
heated steering wheel 150.00
xenon headlights 800.00
privacy glass 350.00
satellite radio prep 75.00
destination charge 695.00

The price they came down to was $37,250.00
acq. fee 825 (I tried for 625)
MF .0012 (I tried for .0010)
Title, Lic., Registration fees $394.00
Sales tax $619.92 (5% in Iowa)
No Document fee

They added together the price, acq. fee, title & lic. fees, and sales tax for a total=$39088.92
67% resisdual of $27,567.15
24/months 15/K/year
We gave them the first lease payment of 560.00 and they handed us the keys. No security deposit or anything else out of pocket. 23 payments left!

I am afraid to ask but want to know the truth - what did we do wrong for the next deal???

hello29

I'm buying X3 2.5 in 2 weeks time. Need help to get a drive out price.
1. Color-exterior : Green 2. Interior-Black leather seat 3. Sun/moon roof 4. Crusie 5. Automatic. I live in TX area. Drive out price that includes tittle/Licence/Tax etc. 1. Dealer quoted $ 34,798.29 and dealer 2. Gave $ 34,743.13. IS this a good price? I am paying by one check. If, Someone bought for a better price please let me know. Thanks

jeffkiel

Are those options just selected, or the entire premium package?

Invoice on 2.5 with Auto, Metallic Paint and ZPP is $33,455.

Invoice on 2.5 with individual options is $33,070

Don't know your tax rate, but it looks like ~6.5%. Assuming title is minimal (~$100)

33,070+100+tax = 35,225 so it looks like you are under invoice. Probably a good deal, but I would trust kdyfx

hsbndhatesbmw

Hi. Here is the deal I have been given, any suggestions?
X3-3.0
automatic
titain. silver, grey leather
premium package
luggage net
xenon headlights
privacy glass

MSRP of 40,570
selling price of 38,872
residual is 61% or 24,747.70
12k mile lease for 36 mo
MF of .00155
acquisition fee of $625
monthly payment of $549.99
drive offs at 873.74 with no security deposit

The total to be paid over three years will be $19,799.64.

Any suggestions. The car is on hold for me until tomorrow.

kyfdx

1) $1700 discount is only a fair deal..

2) You could live with the $1700 discount if they were using the base rate money factors, but they aren't.

3) Base rate is .0010 With the security deposit waiver, the rate is .00115 They are bumping the rate the maximum .0004, resulting in your money factor of .00155

4) Something tells me that you asked them to hit that $550/mo. number and they structured the deal to do just that.

Your deal would be okay if they would use the base rates.. I would also make a security deposit, instead of waiving it... you will come out $300-$350 better in the long run..

With the deal structured as you have it now, the payment is $510+tax .. I assume that tax makes up the difference between the $510 and $550.

If you can get them to use the base rate of .0010 and make a security deposit, your payment would drop to $512/mo. including tax.. Your drive off would rise by the $550 security deposit, making your drive-off $1423.74, but you would get the $550 back at the end of the lease.

That would be a decent lease deal...

regards,
kyfdx

bmwfan4

kyfdx,
Would you please look at message #640 and let me know??? I am still worried about what I did!!!!
P.S. I do love driving it. I drove it off with 3 miles on it - now 303 with a road trip to KC for a soccer tournament this weekend. Can't wait!

kyfdx

The deal looks pretty good..

You already know about the $200 extra on the acq. fee....

A security deposit waiver adds .00015 to the money factor, so you are really close to the base rate.. If you got the waiver for some other reason (returning lessee?), then the bump is a full .0002

At best, you could have saved the $200 plus $14/mo. X 24 months... However, your selling price was very low..

In the end, your total cash outlay is all that matters... $560/mo. for a 24 month lease, with nothing else out of pocket is extremely cheap for a $41K car..

I didn't see it... 15K/year mileage, right?

regards,
kyfdx

peachg

sticker should be 40K $ 2000 down which includes the first payment and security deposit $490 a month -

just got this deal for X3 3.0

robertv

Does anyone know if the Lease Promo for the X3 was extended through the month of April? The .00100/61% rates were only good until the end of March but there was a chance that it would extend through the end of April as well. Where can I check this for myself?

kyfdx

It will probably be the middle of next week before you find the new rates posted on the web..

I'd guess dealers will have that info sometime today...

regards,
kyfdx

chrisjur

Hi folks:

Wondering if I could get some of your insight into trying to least a BMW X3 3.0i with various features that MSRPs for about $37K.

7-8 years ago, I had a business that went bad and the aftermath affected my credit very negatively. After working to repair my credit, I still have some of those 6 year old "bad account" records on my report, which still leaves me with an Equifax FICO score around 640 (and a bit higher score from Experiean and TransUnion, actually).

I have not yet applied for the lease through BMW, buy my dealer told me that it my credit score is only used for a "yes or no" decision when it comes to the lease - e.g. how good or bad my score is won't effect the lease rate. A couple of questions:

1. I know what my dealer told me is not totally true, but assuming that I do get approved for the lease, how much does credit score actually effect the lease rate?

2. Any insight/experience as to what credit score "cutoffs" exist from BMW financial services for leases?

3. Do they use score as the only determining factor? As I noted, the only bad remarks I have on my report are 3-4 closed, paid-off accounts that are 6+ years old, but have not yet aged off my report. I have zero debt, a good mix of revolving credit, just getting off a 60 mos finance loan were I never made one payment late, 6 year steady job, 6 years at the same address, 7+ years making six figure salary.

Any experience or insight would be greatly appreciated.

Thanks!

kyfdx

I believe your dealer is accurate..

You either qualify for a BMWFS lease, or you don't...

They may have credit tiers for financing, but leasing generally requires better credit. Honda Finance was the same way until recently..

I don't have any info on what all goes into their credit decision, though... I doubt it only includes the credit score.. Otherwise, the dealers could make the credit decision themselves..

I believe you can apply directly to BMWFS on-line.. Perhaps you can find out before negotiating a deal?

robertv

FYI....I heard from the local dealer today that the promotional lease rates were extended through April. Good news for those of you, like myself, looking to lease an X3 soon.

robertv

I came back from the dealer today with this quote:

X3 3.0 Base - $36,300
Auto - $0
Premium - $1,800
Heated Seats - $500
Metallic Paint - $475
Leather - $1,450
Dest/Handling - $695

Selling Price - $38,575
Bank Fee - $625
Documentation Fee - $189

Terms:
36/mo, 12k mil/yr, MF 1, Residual 61%

Total Cap Cost - $39, 389.50
Cap Reduction $1,000, Tax $49, First Payment $477.45, Deposit $500
Drive Off - $2,026.45

How does this look? I was hoping for a lower monthly to be honest so I'll take whatever advice I can get. I have to make a decision soon so any help would be really appreciated.

kyfdx

The selling price looks great... Using your figures, I get $432/mo.+ tax.. That leaves $45/mo for tax.. I don't know where you live, but that looks a little high.

If the tax is $49 on your $1000 cap cost reduction, that imputes to a 4.9% rate.. If I use that rate, the payment with tax comes to about $453/mo.. Which leaves your payment about $25/mo. too high.

It sure looks to me like there are some other charges or fees in that cap cost, or they are marking up the MF to .0014.... I would guess they are marking it up.

regards,
kyfdx

robertv

Thanks for the quick reply kyfdx. In regards to the tax it is 4.9% I live outside of the city limits and its a little lower here. Does that mean the pricemakes sense? Where do you think they might be hiding these fees?

Edit: I forgot to ask but isn't leather included in the Premium Package? I noticed a separate fee for that.

kyfdx

I really don't think there are any extra fees... I think they are marking up the money factor to .0014 from .0010

When I run the numbers with the higher money factor, they come within $2/mo. of your payment...

Everything other than that is great... a very low selling price...

Right off hand, I'm not sure about the X3.. On most '05 models, leather is separate from the premium package..

robertv

Thanks for the clarification. How would I verify if they are indeed changing the rate to .0014? I have a printed quote that states "Money Factor 1." And while he was typing up the quote he did it twice to ensure that he used the .00100 rate...supposedly.

kyfdx

Well.. I'm not sure..

Just get the paperwork, make sure all the cap cost figures agree with what he gave you.. Then tell him that you did the math, and the payment comes up to $432/mo.+ tax, using the .0010 money factor...

Then ask him if he is jacking up the money factor.. Tell him the only way you can come up with his number is to use .0014 for the MF.

I guess it is possible that they compute tax differently on a lease in your state.. I multiplied the payment by the tax rate... Some other states do it differently (meaning it costs more). That is the only other variable I can see that would raise the payment by an extra $25/mo. You could ask him to break out the taxes, so you can see the base payment.

Good luck,
kyfdx

P.S.: Your selling price is really rock bottom.. It is possible that the only way he can do the deal is to bump up the money factor.. The actual cash outlay is what is ultimately important in a lease.. Even adding the $1000 cap reduction back in, your total lease payment = $510/mo.-tax included for a $41K car.. That is dirt cheap.

robertv

I can't tell you how much I appreciate your help! And I'm sure the rest of this forum appreciates it as well.

So to touch on a point you brought up, my quote states that the monthly payment is $455.14 + $22.30tax = $477.45. I guess I can't figure out where the extra iscoming from either. This is where you come in kyfdx :shades: . Thanks again.

kyfdx

$41220 MSRP
$38389.50 CAP cost (including the -$1000 cap cost reduction)
61% residual ($25144.20)
MF .0010
Payment = $431.46 + tax = $452.60/mo.incl.tax

MF .0014
Payment = $456.87 + tax = $479.26/mo.incl.tax

So, it is either the money factor, or they are adding around $800-$850 somewhere else in the deal.... Or the residual is 2% lower?

regards,
kyfdx

robertv

I appreciate you breaking that down for me. I'm going to take this to the dealer and try and find out where the discrepancy is. I think I'll go to bed now that I've bothered you enough but I'll leave you with one more question if you don't mind....where did you come up with the $41,220 MSRP?

Edit: Sorry, I'm coming back for a quick note. I figured I'd write this since I didn't catch it on the quote the first time. There is a section that states Monthly Depreciation - $392.49 and Monthly Rent $62.65. Call me clueless but what the heck is "Monthly Rent" on a lease?

kyfdx

1) I got the MSRP from adding up the prices from the options you listed.

2) There are three components to the lease payment

a) depreciation: Cap cost minus residual divided by term of lease

b) interest (aka rent charge): [Cap cost + residual] X money factor

c) tax

This is good information.. I came up with a similar rent charge using the base money factor.. It looks as though the difference in the payment is in the depreciation.. I come up with about $25/mo less in depreciation. This narrows down the place to look for a discrepancy. Here are the possibilities:

1) The MSRP isn't $41,220.. Maybe the car doesn't have all the options you listed, or you listed incorrect prices.. I'm leaning towards this, since even though you listed all of those prices, you didn't seem to know the total MSRP.. A lower MSRP would make that selling price not quite as good (and more likely) and would also result in a lower residual, leaving more depreciation.

2) The selling price and CAP cost weren't what you listed before, or they have added something in that they didn't disclose.

I'm leaning towards #1).. If you keep all of the numbers the same, but lower the MSRP by $1500, you'll hit your dealer's number. Does your paperwork list the MSRP of the vehicle anywhere? Or the residual? And do the numbers match what I posted above?

regards,
kyfdx

EDIT: I just figured it out.. I took out the $1450 for leather, and got the same exact payment as your dealer.. $455.14/mo. + tax.. I don't think that unit has leather..

That makes your MSRP $39,770... and lowers the residual to $24,259.70 Hope this helps..

robertv

You're right that #1 is what is going on here. I actually did type everything that is on the quote as is but MSRP is only listed at the top of all the options with a total of $39,770 at the bottom. The figure of $41,220 doesn't show up anywhere on the quote and I didn't realize that the listed options didn't add up to $39,770. In an earlier post I wondered why the leather was being added separately despite it being included in the Premium Package already. I guess he listed it but it isn't included in the total.

Sorry about not catching that before. I'm thinking a little more clearly today.

kyfdx

You are correct... Leather comes with premium package on the 3.0 model.. I don't think it is included on the 2.5...

Well, it makes your selling price a little more realistic... I thought your deal was incredibly cheap with that MSRP..

It is still a good deal.. base rates are good..

regards,
kyfdx

slccpa

Yes. The program has been extended until april 30th. I just got back from my bmw dealer. He told me that it is good until april 30th, plus you have a 60 day lock. As long as contract signed, you can take delivery up to 60day after april. If the rate goes down, you could get the better rate, and if the rate goes up, you are locked into the .001/61% rate. I was quoted $525 for 36mo 12k miles 1st plus security down (1060 total). I also went to another dealer last week and the same was $533. Guess they are all doing the same. Does anyone have a better deal??

by the way this if for an x3 3.0 with metallic paint, cold weather pack and premium pac.

robertv

Interesting thing happened today. The local dealer offered me the .00100/61% rate but a dealer in the next city told me that the current rate is .0014 and that they had not heard of the .00100 offer.