need help negotiating money factor

[jasonrhcastle]

Hi all. My X5 is scheduled to complete production on Monday. I know the current buy rate MF is .00275. The dealer is marking up the MF the full .0004 to a sell rate of .00315.

Now I got my X5 for $500 over invoice on order from my dealer. This would be my third BMW through them. The extra .0004 makes the payment almost a full $75 a month more. I want to know how I should go about trying to get the money factor at the buy rate or close to it.

Now I know....I got a FANTASTIC deal on my X5. However, I don't want to pay any more than I need to. So, I would like some opinions on how to handle this tomorrow with the sales manager (who is a friend of my wife's). Thanks guys...