deposit monday

[nibbsy999]

monday test drive M4 then configure car and place order .going for yas marina blue convertible with high specs well high to me after specs car was around 71k
how much discount can i try for ? also have a car to chuck in which may give me 3k.
i will be putting down half deposit of the price of car ,my credit is poor due to ex relationship but its been repaired now , on that note will i be able to get hp finance with bmw as my credit is not great no lost for bmw as they already have at least 35k out of me already or am i seeing it wrong .

[Who's on first]

Originally Posted by nibbsy999

monday test drive M4 then configure car and place order .going for yas marina blue convertible with high specs well high to me after specs car was around 71k
how much discount can i try for ? also have a car to chuck in which may give me 3k.
i will be putting down half deposit of the price of car ,my credit is poor due to ex relationship but its been repaired now , on that note will i be able to get hp finance with bmw as my credit is not great no lost for bmw as they already have at least 35k out of me already or am i seeing it wrong .

66,500... Then take out your car from there.

[scottc]

Originally Posted by nibbsy999

monday test drive M4 then configure car and place order .going for yas marina blue convertible with high specs well high to me after specs car was around 71k
how much discount can i try for ? also have a car to chuck in which may give me 3k.
i will be putting down half deposit of the price of car ,my credit is poor due to ex relationship but its been repaired now , on that note will i be able to get hp finance with bmw as my credit is not great no lost for bmw as they already have at least 35k out of me already or am i seeing it wrong .

I would be pushing for 17/18% as there are a lot of us on here that have just managed to get that. There are a few threads running with all the deals on, there is one in the uk 4 series devotion titles "insane m3/m4 deals"

[nibbsy999]

thanks for that on discount .also what about my credit situation and getting finance from BMW ?

[JustChris]

Originally Posted by nibbsy999

thanks for that on discount .also what about my credit situation and getting finance from BMW ?

Impossible to say really, just got to apply and ask.

For £71k you should hopefully be getting north of £10k off, good luck.

[scottc]

Originally Posted by nibbsy999

thanks for that on discount .also what about my credit situation and getting finance from BMW ?

I would sign up to credit expert for a free trial, it will give you an indication of your credit score. It was been very useful for me

[Rodley123]

in my experience it depends on the dealer, Stratstone told me they deal exclusively with BMWFS, On the other hand Sytners sometimes offer an arrangement with Black Horse(Lloyds) just be aware of the APR they want.
if they want your business they will find a way.
If your not sure go on the Experian website and see your personal score +700 you might be ok, However, each application is dealt with on its own merits, as im sure you know.
Good luck.

[noway-85]

If you're putting half of the value of the car down as a deposit I don't think you'll have any trouble getting finance. Unless you have outstanding CCJ's etc..

[nibbsy999]

Thanks for that guys ! Yes I am on experien trying to repair credit ! I have no ccj ,That was my thinking if I'm putting down over half of money as deposit ie 35k there quids in if I was to default on paymeant !
Thanks again

[Wills2]

Credit ratings can be a bit of misnomer and has been said the lender will judge each case according to it's own underwriting criteria.

Unless you're hugely over stretched (but with 35k to put in clearly you're not) or have CCJ or have no credit history then you should be OK.

One point to mention is 35k buys a lot of car outright...

[nibbsy999]

thanks again for that information , the 35k is part of my retirement fund so treating myself you only live once so time to enjoy life ,I'm now thinking of a competition package convertible one now ...
decisions decisions
I already know how and what I'm modifying car aint i aint even orderd it yet,
also was thinking maybe should hold out for 17 plate september i may get a better deal

[JustChris]

Originally Posted by nibbsy999

thanks again for that information , the 35k is part of my retirement fund so treating myself you only live once so time to enjoy life ,I'm now thinking of a competition package convertible one now ...
decisions decisions
I already know how and what I'm modifying car aint i aint even orderd it yet,
also was thinking maybe should hold out for 17 plate september i may get a better deal

Great way to start retirement, very jealous! Huge congrats!

I'm sure you know but there's a fair few subtle differences or omissions on the F83 CP. great choices to be making

[sos]

Great decision to be making.....

P.s. September will be a 66 plate, 17 plate is March 2017.