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      02-21-2020, 11:11 AM   #729
jmciver
///M SubDriver
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United_States
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Drives: 2017 M3, 2020 X7 40i
Join Date: Jul 2016
Location: DMV

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Garage List
2017 BMW M3  [10.00]
2020 BMW X7  [0.00]
2019 BMW X3  [0.00]
2009 BMW 128i  [0.00]
Quick question for those that applied for BMW FS credit online prior to going to a dealer, how did that work out? Specifically, the BMW FS online credit app will use the MSRP numbers of whatever you built online. But the final purchase price will be different (higher or lower) depending on changing options and/or your final negotiated price with the dealer. How is that $$ delta handled wrt your online approved financed limit?

I know dealers prefer for you to apply for/initiate financing with them, even BMW FS financing, as they have the opportunity to make more profit. But I prefer to come to the dealer with pre-approved financing, and right now BMW FS seems like the best option for me. I have used pre-approved financing before with other car purchases. But I wanted more clarification on how the process works with applying for credit specifically with BMW FS online in case there are any subtle differences in the process.
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///M3 COMPETITION 6MT - 2017 F80 Smoked Topaz Metallic
BM3 / MP-HAS / GC Camber Plates / Carbonstructure Interior
X7 XDrive 40i ///M-SPORT - 2020 G07 Arctic Grey Metallic

X3 XDrive 30i - 2019 G01 Mineral White (wife's) / 128i 6MT - 2009 E82 Jet Black (son's)
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