Looking at a 2026 BMW 330i
MSRP: $58,615
Dealer discount: $8,490 (~14.5%)
Corporate incentive: $1,000
Payment: $547/month with state tax
39 months / 10k miles
$2,500 due at signing.
Also seeing a $300 NH title fee and $165.92 in state taxes/fees even though I’m registering in a different state.
the discount looks strong, but do those fees seem normal? What else am I missing?
What state are you located in and what’s the tax rate?
If the money factor is indeed .00130, then that’s a .00040 markup from buy rate which adds about $1,300 in finance charges, making the net savings closer to 12% off MSRP. Still not bad – what % off are you seeing on the forum Marketplace on a 330i?
Located in RI - 7% tax rate.
seeing 12% on the marketplace for the 330
Seems like a great deal then. Here it is on the calculator:
Can’t comment on the NH title fee – those in the New England will know better.
Why aren’t you out busting bugs yet?
This is a waste of time and definitely not how to negotiate. Who cares if the MF is marked up as long as overall deal (payment/DAS) is good.
thanks - thats helpful
How much of a bonus or commission does the dealer F&I get for selling a vehicle with a marked up MF? It seems from the dealerships perspective the commission on the higher MF must outweigh the additional profit on the sales price. Of course dealer wants to make more on both ends of the deal.
Reserve to dealer is 75% of the markup but for larger dealer groups it’s often a metric. Somehow the math makes sense.
Don’t get caught up in how the sausage is made, just enjoy it with a nice beer when it comes out!