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Is it harder to lease then to finance?. I don't want to be denied
What do you mean they won't pull any other lenders?
Dealership Finance Managers will run the deal by a few banks, including BMWFS (if you're buying a bmw of course)...though this usually means you'll see a few inquiries in a day. They are right, they will do what they can to get you financed and make the deal happen. If you apply directly with BMWFS its just you and them. If you're on the fence, let the dealer do the credit.