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First, go through a BMW dealership and use BMWFS. If you go through a regular bank, you may not get approved or might get hit with a high interest rate.
As I stated before, a 660 is not bad and the finance manager could probably get it approved with as little as 10% down. Credit score doesn't tell the entire story - your credit history may not be long enough to get approved even though its factored into your score.
As far as leasing, don't bother. As strange as it sounds, leasing a car is more difficult than financing even though its the opposite in any other financial scenario
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