don't let her give you any b.s. about BMW doing leases at MSRP either, I've leased 2 X5's at or close to invoice. Also, specifically ask her what the money/lease factor is. whatever she tells you the lease factor is (usually something like .0012, to convert that to APR move the decimal 3 places to the right and multiply by 2.4, so in this case your interest rate is 2.88, which is good)


in ny you have to pay taxes either up front or you build them into the lease. It's a personal choice. I don't like being out of pocket up front, so I usually put them in the lease and pay a little extra ( you pay interest on the taxes).

If this is the fist time he's leasing from BMW they always charge a security deposit, some dealers will waive it if you have good credit.

I would highly doubt that they'll waive the bank fee.

be careful in NY with those xenon/adaptive headlights, they're still a hot commodity for thieves.

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