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3-Series (E46, E90) Chat relating to the BMW 3-Series from 1999 to Current. Models include: BMW 316i, BMW 318i, BMW 318Ci, BMW 320i, BMW 323i, BMW 325i, BMW 330i, BMW 328 Ci, BMW 328i, BMW 325i/xi, BMW 330Ci, BMW 320d, BMW 330d, BMW 335d.

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Old 05-21-2004, 11:25 PM   #1 (permalink)
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I'm new to the forum, thinking of trading in my '99 Civic SE tomorrow for a brand new 325i (3-yr lease).

Any comments or suggestions? Something I should watch out for or be concerned about?
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Old 05-22-2004, 03:33 AM   #2 (permalink)
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Old 05-22-2004, 09:17 AM   #3 (permalink)
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Originally posted by abraigbmw@May 22 2004, 12:05 AM
I'm new to the forum, thinking of trading in my '99 Civic SE tomorrow for a brand new 325i (3-yr lease).

Any comments or suggestions? Something I should watch out for or be concerned about?
Don't let the stealer screw you with a bad money factor and residual. Mine came back with rediculous numbers before ever running a credit check. I already had financing and he had the car on the lot, so I just paid for it and gave him a bad review when the dealer called for my survey.

Educate yourself on what is a good money factor. It does not equal a percentage rate. The one he gave me was equal to 10% financing.

I am paying $25 more per month than his lease offer.
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Old 05-22-2004, 04:53 PM   #4 (permalink)
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I am getting 1.9%, I think that's pretty good, but their PDI and security deposit together are almost 2,000! These guys don't like give people deals, at any other dealer you can get a couple of grand off right from the start..
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Old 05-22-2004, 08:04 PM   #5 (permalink)
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Originally posted by abraigbmw@May 22 2004, 05:33 PM
I am getting 1.9%, I think that's pretty good, but their PDI and security deposit together are almost 2,000! These guys don't like give people deals, at any other dealer you can get a couple of grand off right from the start..
Is 1.9 the APR or the money factor? They are not the same. If I remember correctly, 1.9 MF = approx 4.56 apr for a financed loan.
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Old 06-01-2004, 06:55 PM   #6 (permalink)
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The money factor x2.5 = your apr on a lease. I'm a new car dealer. Hope that helps. BTW- When a dealer shows you a low leasing price(what they sell the car to the leasing company for) they make it up on the money factor reserve. As a rule of thumb, the can add 3 points for a manufacter leasing company(chrysler, gmac, etc) and 4 points on an independant (chase, household)

If I can help anymore, ask

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