Are MSDs worth it?

They’re going to bill you one way or the other.

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Yes but if they already have the money there is no negotiating with them whereas if you owe them the money you can negotiate with them

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Even without MSDs they would still bill you for damage so how is that different?

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Because when they send you a bill you can negotiate them down
if they have your money already there is no negotiating

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What are the other drawbacks

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I’m currently dealing with MSDs for a new GLC 300 (MB Financial). 10 MSDs reduce the MF from .00190 to .00120. It also depends on the amount of your monthly lease payment, a lower lease payment will result in a lower total amount of MSDs, and a lower amount of actual savings. The higher the lease amount, results in a higher out-of-pocket amount of MSDs, but a higher amount of actual savings. After you factor in the numbers which will be different for each situation, you also need to determine if a large cash outlay regardless of the savings is something that is comfortable to do depending on your current financial situation.

One drawback of msd is if you are going to do a lease transfer. It adds an extra step to the process. The person taking over the lease has to give you the MSD and then collect it at end from BMW.

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