Looking for a BMW or Escalade

[Anonymous]

I am looking to buy a vehicle.  I would like a used BMW or maybe a used Cadillac Escalade.  I have a 682 TU, 661 Exp. and 652 Equifax.  I had a car loan which was paid in 2007 but I had some problems at the end of the loan.  Do I have any chance of getting a loan?  I heard BMW is giving loans at lower FICO scores.  Can anyone help me.

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Hi Mary,

I've split your post off to start a new thread. I think you'll get better responses this way. All I changed was the title. If you want to edit it to something else just go to "Options" and then "edit Post".

-Marinevietvet, myFICO moderator

[ibmrad7]

I got a BMW last month with 680ish EX score. Try to put down 15-20% down payment to make a better chance of approval.

[Anonymous]

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@ibmrad7 wrote:

I got a BMW last month with 680ish EX score. Try to put down 15-20% down payment to make a better chance of approval.

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If you don't mind, what kind of BMW did you purchase / price / rate?  I'm sort of in the same boat as to wanting one.

[ibmrad7]

Hi Cyan007, I got a 2007 335i Certified Pre Owned with 28000 miles for 28K. Its a fully loaded car with Cold, Premium and Sports Package, comfort accessa and SAT radio. Feel free to ask any other info you might need.

[Anonymous]

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@ibmrad7 wrote:

Hi Cyan007, I got a 2007 335i Certified Pre Owned with 28000 miles for 28K. Its a fully loaded car with Cold, Premium and Sports Package, comfort accessa and SAT radio. Feel free to ask any other info you might need.

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Thanks for the response!    The 335i is a great car.

[ibmrad7]

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@Anonymous wrote:

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@ibmrad7 wrote:

Hi Cyan007, I got a 2007 335i Certified Pre Owned with 28000 miles for 28K. Its a fully loaded car with Cold, Premium and Sports Package, comfort accessa and SAT radio. Feel free to ask any other info you might need.

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Thanks for the response!    The 335i is a great car.

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 No worries 335s power is unmatchable in that category..................

[Tazman81]

OP:  You may want to check with your local credit union.  Go in and let them know what your score is and your financial situation to see what they give you.  Normally they can give you a ball park even before pulling your credit.

Everyone:  Does BMW financial finance pre-owned vehicles?  I thought they only did new/leased vehicles?  Can you get preapproved online for it?  If so, then maybe the OP can try that as well.

** Off Topic:  SAT radio in a BMW.  Is it through the Sirus network or the XM network?

[ibmrad7]

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@Tazman81 wrote:

OP:  You may want to check with your local credit union.  Go in and let them know what your score is and your financial situation to see what they give you.  Normally they can give you a ball park even before pulling your credit.

Everyone:  Does BMW financial finance pre-owned vehicles?  I thought they only did new/leased vehicles?  Can you get preapproved online for it?  If so, then maybe the OP can try that as well.

** Off Topic:  SAT radio in a BMW.  Is it through the Sirus network or the XM network?

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Hi Tazman, BMWFS does finance pre-owned vehicles. Mine is a Certified Pre-Owned and Last year my friend got an Acura from a BMW dealership which he got financed through BMWFS (though his rates were very high). BMW's come equipped only with Sirius, I actually wanted XM

[ibmrad7]

OP can try this link for BMW online application:

http://www.bmwusa.com/Standard/Content/FinancialServices/ApplyforFinancing.aspx