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BMW X3 Prices Paid and Buying Experience

1544 messages,  Last post on Sep 28, 2009 at 3:51 PM

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What is this discussion about? BMW X3, SUV

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#1508 of 1544 Re: 07 X3 Lease ending options [kyfdx] by jmcbmw May 02, 2009 (4:00 pm)
Replying to: kyfdx (Apr 30, 2009 3:06 am) Thanks for the input. I agree, it's a tough call but the damage waiver is nice. Maybe I'll turn it in, wait for them to fix the bumpers and try to buy it back as a certified model! We'll see. I'm considering both new and used vehicles but this has been a very good BMW.
#1509 of 1544 2005 X3 by ladybmw May 15, 2009 (6:32 pm)
I have a possible opportunity to puchase a 2005 CPO X3 3.0 for 19K with about 34K miles. Any thoughts??? I thought this was a great deal. This would be my 1st BMW purchase
#1510 of 1544 Financing by ladybmw May 15, 2009 (6:33 pm)
Is it better to finance with the dealership of go externally?   Thanks Replies to this message: acrackl (May 16, 2009 10:06 pm) jverg (May 17, 2009 10:16 am) acrackl (May 17, 2009 10:34 am) ladybmw (May 20, 2009 3:09 pm)
#1511 of 1544 Any luck with the $4000 Cash to Dealer? by acrackl May 16, 2009 (5:14 pm)
I am in the market for a new (2009) X3, in Houston. Looking to purchase and not lease. Edmunds is mentioning a Cash to Dealer incentive of $4000 (CANNOT be combined with the 1.9% special financing). I am inclined to take this and go with a rate of 4% for 60 months with the credit union.   Has anyone obtained this? Going by what I am reading (about getting best price on a new vehicle), should I be aiming for "Invoice - $4000" as the true dealer cost?   Many thanks,   Andy V
#1512 of 1544 Re: Financing [ladybmw] by acrackl May 16, 2009 (10:06 pm)
Replying to: ladybmw (May 15, 2009 6:33 pm) Ladybmw, I am in a similar situation, as you can see from my post. However, in my case it makes financial sense to take the rebate and finance elsewhere. The rebate (if I can get it) is $4,000, with a best finance rate of 3.99% (from credit union). Whereas if I forgo the rebate, I can get 1.9% from BMWFS. I used this simple calculator at cars.com to calculate the money saved.   http://www.cars.com/go/advice/financing/calc/incentivesCalc.jsp   Along the same lines, I would stay away from less known banks/finance companies any dealership may try to steer me into. All cars where I have took dealers' finace options were with the car manufacturers - example: Lexus/Toyota Financial.   AV Replies to this message: jverg (May 17, 2009 10:16 am) acrackl (May 17, 2009 10:34 am) ladybmw (May 20, 2009 3:09 pm)
#1513 of 1544 Re: Financing [acrackl] by jverg May 17, 2009 (10:16 am)
Replying to: acrackl (May 16, 2009 10:06 pm) Here's another idea if you qualify as a "loyal" customer (which means, I believe, that you have had either a loan/lease with BMW FS in the last 6 months): take the $4,000 truck money and combine it with the $1,500 loyalty incentive. You WILL need to finance at the standard rate which is somewhere around 5.9%. BUT, you only have to stay in that loan for 6 months after which you can refi through your credit union or whatever. Based on a 60 month loan calculation you should be able to squeeze $1,300 out of that $1,500 incentive - the $200 or so difference would get eaten up by the 5.9% loan for 6 months. I was going to run this scenario myself which was, btw, approved/endorsed by my local dealer. In my case, I couldn't gain access to a better rate after the 6 month window so I had to scrap the purchase.   Good luck. Replies to this message: acrackl (May 17, 2009 10:34 am)
#1514 of 1544 Re: Financing [jverg] by acrackl May 17, 2009 (10:34 am)
Replying to: jverg (May 17, 2009 10:16 am) I don't qualify for the loyalty - don't have either. But check this out if you have not already. They advertise 3.99% for used car loan as well - if that is what you are looking for. Along the same lines, interest rates/promotions do change over time and this may not be available in 6 months.   https://www.penfed.org/productsAndRates/loans/vehicleLoans/autoLoans.asp
#1515 of 1544 Re: Financing [acrackl] by ladybmw May 20, 2009 (3:09 pm)
Replying to: acrackl (May 16, 2009 10:06 pm) Thanks for the response! It was helpful.
#1516 of 1544 2006 Lease End Purchase Decision by jura Jun 15, 2009 (9:20 pm)
Thanks everyone for your contributions to this excellent forum. You are really helping to democratize the car buying/selling/leasing process from our (the drivers) standpoint. I'm hoping others who have recently been in the same situation as I am, can share some pearls of wisdom.   My 39 month lease is coming due Aug 1st on my 06 x3 with premium, cold, xenon lights options. I will be about 4,500 miles above my mileage limit of 32,500 (total of about 37K or less). The vehicle has a few minor scratches etc. which I suspect they will ding me for, and my tires will be borderline as well. I have pre-inspection scheduled in two weeks to see if/what I am up against on minor damage repairs.   I got the BMWFS call last week and they were surprisingly eager to offer me a $5k discount of the residual price of 28,300 (offered at $23,300) plus $1k off the "normally priced" $2,900 extended warranty through 6 yrs/100k miles. They also offered financing at a mediocre sounding 6.4%.   We like the car -- had no real issues with it and it fits our lifestyle well. If we buy it, we avoid mileage and any damage costs, and get back our $400 deposit. So, I am pondering my options. The relative ease by which they offered the $5k residual price discount in our first convo suggests they may be willing to do a bit more e.g. package 0.9% interest rate and/or warranty etc.   I would love to hear from anyone who has negotiated more favorable lease-end purchase terms than what BMWFS offered initially. Also, is the BMWFS 100k warranty typically worth it? Thanks in advance! Replies to this message: dedewhale (Jun 25, 2009 3:06 am) jura (Aug 02, 2009 9:59 am) kyfdx (Aug 02, 2009 10:02 am) jura (Aug 02, 2009 5:28 pm) and 1 more...
#1517 of 1544 Re: 2006 Lease End Purchase Decision [jura] by dedewhale Jun 25, 2009 (3:06 am)
Replying to: jura (Jun 15, 2009 9:20 pm) My lease is up at the end of July I have a 2006 X3. My residual value to buy the car for 26,600. (I have around 35,000k miles (which is under the 45,000 i have for the lease). BMW finance never called me, it was only the sales rep. After discussions they came back with a lower price of $24,200. Interest rates at 7.9% financing.   They came back the next day and offered $23,110 and that will include them making it a certified pre owner vehicle so it will have they extended warranty (100,000k miles) built in and I qualify for the special interest rates which range from (.9 to 3.9) based on the term of the loan. Only catch is I may need to buy need tires to qualify if they dont pass.   I should add they forgave the last month on my lease.

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