25 BMW X5 deal check

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25 X5 xdrive40i, MSRP 85700
fully loaded (M sports/M sports pro/DAP/Executive/Climate/Parking)
10% off before 2k rebate (finance + loyalty) + buy rate

Dealer insist to add $1100 for protection otherwise marking APR up by 1%.

Should I pull the trigger?

If it’s local, in stock, and what you want, yea, might as well, push for another 0.5-1% and take the package, anything over 9-10% is more than fair, if they also have a really high doc fee, as most FL dealers do, definitely push for another 1% off at least.

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These numbers are just the inputs. What’s the actual outcome (payment and DAS)?

Dealer fee is 799

It’s a finance. Current 1.99 apr make much more sense than a lease (0.0018 mf= 4.32% apr)

Then what’s this?

The finance buy rate is 1.99

Not everywhere. It’s customer address dependent now.

This I agree.

For clarity sake it’s easier if we use the terms APR for financing and buyrate for leasing.

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It’s 2.99% in Florida.

Signed today. Thanks @IAC_Scott for your input.
Pushed dealer for another 500 off to add the protection.
Purchased with 10.5% off + 2k rebates + apr 1.99

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Solid deal, congrats!!

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