first, negotiate purchase price. THEN the holiday credit applies..

in my case, the money factor went up by 0.0002 (from 0.00180 to 0.00200) but the $2,500 more than covered for it. My lease payment is down $60 vs initial October deal i signed. Dealer was happy to honor Nov. deal. Car arriving in a few days.

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2011 X5 3.5D - Platinum Gray / Black Leather / Dark Bamboo, Sports w/ 20's, Adaptive Drive, Comfort Seats, Cold Weather, Premium, Sound, Rear Climate, Technology, Comfort Access, Auto High Beams, Heated Rear Seats, Running Boards, Roof Rails w/Rola Crossbars, Space-saver Tire, Moonroof visor, P/Q Brake Pads, Cargo Mat, Weathertech All Weather Mats, Draw-Tite Hitch.

2010 X5 4.8i - Lemon'd 12/2010.
2006 X5 4.4i - Sold 11/2009.
2004 X5 4.4i - Stolen 8/2005. R.I.P.