Originally Posted by AGS
.00145 is the BMW FS rate. You're dealer is trying to mark-up the rate to make a few extra bucks. I, and many others, got the .00145 base rate.
Also, you should strongly consider doing multiple security deposits. You can do up to 7 and each one reduces the MF by .00007. For me it equated to a 9.4% after-tax, guaranteed return - not too shabby!
Thanks for the quick response