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Fico needed for top tier BMW Auto loan?

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Frequent Contributor

Re: Fico needed for top tier BMW Auto loan?

depends on bmw bank they just might really care about your score ill say 730 - 750 would get you the best terms possible when i purchased my bmw at the dealer thats all the bank cared about was my score i did not have too show poi just handed me a pen & said sign here & i pulled off the in my new car 



Message 11 of 13
Frequent Contributor

Re: Fico needed for top tier BMW Auto loan?

I can now provide you a definitive answer - 700

 

A 700 score will get you top tier financing. My wife just bought a CPO BMW yesterday and we were told a 700 was needed and that they pull EX FICO Auto 8. But, if you are not 700 on EX they will pull the other bureaus to try and qualify you. They were very explicit that if you are at least 700 on one of the bureaus they'll give you the best rate.

 

My wife was a 689 on EX, a 702 on TU and a 700 on EQ and she qualified. 3.99% for 5 years on a 2018 X5

 

 


Message 12 of 13
Regular Contributor

Re: Fico needed for top tier BMW Auto loan?

Thanks! I'll qualify for top tier! I've been looking at cars, but can't decide what I want. Appreciate the info!

Message 13 of 13
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