Looking to finance a BMW

[Anonymous]

675 is the break point for the best rate, but BMWFS will still finance you below that

if you're shopping BMW seattle, speak w/ Karl. I've bought 3 cars from him. He will work hard to get you taken care of and into a car.

[CreditPacMan]

I just logged in and saw many new replies to this thread so I thought I'd give an update. 

I did pay down my debts from %40 utilization to only 12%. Saved up some money to put as a down payment and ordered a 2017 640i xDrive. I was approved with BMW FS with a score of 685. My rate is 1.9% for 72 months. 

They initially offered me a 4.9% APR , but by the time the car was delivered to me( special order) my credit improved so they offered me a better rate when I actually signed the contract. 

Thanks everyone! 

[Anonymous]

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@CreditPacMan wrote:

I just logged in and saw many new replies to this thread so I thought I'd give an update. 

I did pay down my debts from %40 utilization to only 12%. Saved up some money to put as a down payment and ordered a 2017 640i xDrive. I was approved with BMW FS with a score of 685. My rate is 1.9% for 72 months. 

They initially offered me a 4.9% APR , but by the time the car was delivered to me( special order) my credit improved so they offered me a better rate when I actually signed the contract. 

Thanks everyone! 

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Congrats! Good on you. Investing and saving is very important, but so is enjoying your life when you're young enough to really enjoy it. You can always make more money at any point in your life if you're smart and enterprising enough, but only for a small fraction of our lives do we get to be single and in our 20s.

[Anonymous]

In the same boat and considering BMWFS. Do you know what bureau they used??

[Anonymous]

bmw pulls experian

[bourgogne]

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@Anonymous wrote:

bmw pulls experian

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ex fico 8?  I just got a production # yesterday on an M2 so I got's to know!

[Anonymous]

they pull the auto 8 score from experian

[Anonymous]

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@Anonymous wrote:

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@CreditPacMan wrote:

I just logged in and saw many new replies to this thread so I thought I'd give an update. 

I did pay down my debts from %40 utilization to only 12%. Saved up some money to put as a down payment and ordered a 2017 640i xDrive. I was approved with BMW FS with a score of 685. My rate is 1.9% for 72 months. 

They initially offered me a 4.9% APR , but by the time the car was delivered to me( special order) my credit improved so they offered me a better rate when I actually signed the contract. 

Thanks everyone! 

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Congrats! Good on you. Investing and saving is very important, but so is enjoying your life when you're young enough to really enjoy it. You can always make more money at any point in your life if you're smart and enterprising enough, but only for a small fraction of our lives do we get to be single and in our 20s.

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+1

My financial advisor and I often "bicker" because of what I choose to do with extra cash.  Life can get snatched away without warning.  I had a co-worker who saved every single penny possible, he and his family took 1 vacation a year, and he was 36 years old.  Before he turns 37 he was diagnosed with ALS, and obviously you know how the rest of this story ends.

Nice ride OP!