I have two routes I can go through, but can someone tell me which one makes more sense.
1. I purchase car for $61,609.80 (including tax + all fees + student rebate) and take BMW APR for 3.12%. Initially I was going to pay the first payment and refinance for 1.99% after the first month. The dealer told me that I can't do this because I have to atleast keep this loan for 90 days which means that I have to make 4 payments.
2. I purchase the car for $62,609.80 and finance from an outside lender for 1.99%. This means I would pay a total $3,218.34.
Thanks for the help in advance!
1. I purchase car for $61,609.80 (including tax + all fees + student rebate) and take BMW APR for 3.12%. Initially I was going to pay the first payment and refinance for 1.99% after the first month. The dealer told me that I can't do this because I have to atleast keep this loan for 90 days which means that I have to make 4 payments.
2. I purchase the car for $62,609.80 and finance from an outside lender for 1.99%. This means I would pay a total $3,218.34.
Thanks for the help in advance!
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