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We just ordered an X5. For Feb there are some advertisements for 2.99% for 60 mo. and still some overlapping for 2.89% for some reason. We just got the 2.89%. The $2000 credit is for using BMW financing, not an either / or offer connected to the rate. Dealers can "buy" down your interest rate and then charge you a higher rate as profit-be careful. There are some regulatory rules on how much and under what circumstances they can do that so NEVER shop on payments...they always wanna talk "payments". If you've got good credit you don't need to beg anyone for the best rate they offer. Know your FICO score before you walk on the lot. Even if you use their financing you can always re-fi later if YOU want with someone else. I'm sure there is some kind of charge back to the dealer if you screw them over so if you're nice wait a few months before looking around.
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