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Originally Posted by jadeite22
I went thru pre-approval on BMWFS.
overall it was pretty smooth flow. based on ++ credit rating, I received the top tier APR, which than was 2.9%. When I went to do some research on private lender, it was bit more higher based on national average which was 3.5% at the time.
I was glad I went with BMWFS as it was linked to my BMW login which was very convenient where I can see all in one.
unless you have crazy difference compare to your private lender, I say go with BMWFS
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My credit is solid and was approved via the online process within minutes. When you finalized everything at the dealer, did they ask you for any additional info or was everything already set because you were pre-approved?