BMWFS Rate Lock

I have a G80 M3 incoming in the next 1-2 weeks and and wanted to lock rates for March as I thought the MF was going to rise. My CA locked the March program and all is well.

I did some sleuthing and found that the BMWFS MF went down (0.0165 from 0.0185) for April, but the residuals on M3s did as well.

My question is - can you have your cake and eat it too as in utilize the April MF with the March locked residual or does it have to be the either the whole March program or the whole April program (MF and residual as-is).

I ran the calcs 7 ways to Sunday and the March program with the 2 point residual bump is certainly a better deal, but curious if one can double dip.

I think I know the answer to this, but want to be sure. This is my first time dealing with a rate lock as this was an ordered car.

I believe you lock in the “program” - rate/residual +/- incentives and can’t double dip.

You can choose the current program if it’s better overall


Figured that was the case…darn. Thank you!

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