The A3 was fine... just got bored with it. It was too small and I grew to HATE the color (Brilliant Red). I have always owned my cars outright and hate having to make payments so this was easier for me.

With the 1-pay, money factor is base MINUS 80-100 points. definitely helps in that department.
also, with the 1-pay, its a huge plus for your credit ... i.e. credit quick fix.
also, thats $500/month Total... i.e. I have a friend who is paying $505 a month for a similar car and put $4K down. That a big difference. You have to consider this is a 50K MSRP car. I contacted over 30 different BMW dealers in my area (NY/NJ/PA/CT). The 2nd best offer was still over 3K more than this. Most wanted 16-17K.

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NEW '08 X3 is here!