[Tengocity]

Originally Posted by DaveA

Are the M3's on zero percent finance or something now..?

Mind you, even at zero percent, £50k still costs you £50k in the end (unless you hand back)...

Would anybody care to share (roughly) the sorts of finance quotes you get now on new and au cars..??

Yes they are!

[DaveA]

Originally Posted by Tengocity

Yes they are!

So what sorts of GFV's do they quote...?

[Tengocity]

Originally Posted by DaveA

So what sorts of GFV's do they quote...?

Mine is £25400 at 48 months with 48k miles. It's fairly well specced, and I reckon it'll be worth a bit more than that. But I only paid £1000 deposit so even if not I'll be happy enough.

[robwils]

Just done it, as per other thread, should have bought one when I got 335D really, but at that time just a step too far.

Good deals at the moment.

[Zippee]

Originally Posted by DaveA

Would anybody care to share (roughly) the sorts of finance quotes you get now on new and au cars..??

I took advantage of Park Lane I&SSD which made buying new through them a no brainer. I cannot release the specifics of my deal suffice to say for the price of my full spec (bar CCB) ordered M4CP, it would have put me in a 6 month old mid spec car (not a spec of my choice either). I feel comfortable that even though there are some astounding deals on M3/4s at the moment which will no doubt reflect on lower residuals in the future, my saving has already cut that bit out.

[stefan4]

I've just gone from a 340i to an M3 CP. To me this is a unique opportunity to get into a heavily discounted M3, with the new one not out for at least another 18 months.

No regrets so far, and one things for sure, no amount of tuning, remap, exhaust, suspension mods etc will turn a regular 3 series into an m.

[Southern Jay]

Originally Posted by Rukka

435d to 440i to M4CP

Guess I should have just bought the M4 to start with......

X3

[JustChris]

It's a funny time for ownership:-

Amazing discounts
0% apr
Individual high spec cars offered up
M4 having the 'Ultimate Pack'

But
G20 just weeks from reveal so it might feel a bit old shape soon....

But
F82 in production until Oct 2020 maybe! The M4 seems to be changing so late.

For me for the positives of 'a deal' more than happy with a bit of not latest and shiny for a few years. I know from my very early but F82:-

Latest M costs a new kidney at launch (check M5 finance offers now )
Early F8X cars were actually a bit odd and inferior to these post LCI versions CP and non CP

In short, great time to dive in if you can!

[Rukka]

Originally Posted by Southern Jay

X3

[DaveA]

Originally Posted by Tengocity

Mine is £25400 at 48 months with 48k miles. It's fairly well specced, and I reckon it'll be worth a bit more than that. But I only paid £1000 deposit so even if not I'll be happy enough.

Just looked on the bmw web site and, yes, I see the 0% deals... and I am guessing there's a good discount so you can do the £1k down (the 0% deal forces a nearly £10k deposit on list, so you ca, presumably, roll the discount as deposit contribution..)...

It's still quite a bit more than my 340 when I spec up a m4 with similar spec...

I guess you pays your money you makes your pick...

[lethbridge]

Originally Posted by JustChris

It's a funny time for ownership:-

Amazing discounts
0% apr
Individual high spec cars offered up
M4 having the 'Ultimate Pack'

But
G20 just weeks from reveal so it might feel a bit old shape soon....

But
F82 in production until Oct 2020 maybe! The M4 seems to be changing so late.

For me for the positives of 'a deal' more than happy with a bit of not latest and shiny for a few years. I know from my very early but F82:-

Latest M costs a new kidney at launch (check M5 finance offers now )
Early F8X cars were actually a bit odd and inferior to these post LCI versions CP and non CP

In short, great time to dive in if you can!

This 100%... My plan had been to wait for the G80 but I concluded the car I'd want at the price I'd be happy with is at least 3 years away (and who knows how it will go/ sound / cost with all the increasing EU red tape & Brexit impacts). This made the M3CP run out deals a no brainer for me and I'll only change into the G80 if and hopefully when the package is right. In the meantime M3CPs will gradually become harder to source as the run out stock dwindles so the £30k balloon payment on mine (8k miles/48 months) may mean some equity in the car when the 0% finishes if I want it - though don't think an M car is anything but a money pit - you don't buy newish M cars if you are counting the pennies...

[Richard52]

Are 2017 M3s at 40 - 45 k good value ?

[DaveA]

Originally Posted by stefan4

I've just gone from a 340i to an M3 CP. To me this is a unique opportunity to get into a heavily discounted M3, with the new one not out for at least another 18 months.

No regrets so far, and one things for sure, no amount of tuning, remap, exhaust, suspension mods etc will turn a regular 3 series into an m.

Of course, but my contention is that you can't really use a 340i to it's potential on most of our roads most of the time, so, really, I don't feel the need for an M3... I could see upsizing to a 5, or an X.... but I would likely look elsewhere if I wanted a more "sporting" car...

I am definitely not knocking anybody who has done it, just not for me...

Now, if I had the money these days, I would have another GT3 in a heartbeat... and use it as a track day car...

[Zippee]

Originally Posted by DaveA

Of course, but my contention is that you can't really use a 340i to it's potential on most of our roads most of the time, so, really, I don't feel the need for an M3... I could see upsizing to a 5, or an X.... but I would likely look elsewhere if I wanted a more "sporting" car...

Its not really about sheer outright speed. Agreed, most 3's and 4's are hugely fast and cannot be used to their full potential but I think its the way the M does it. The involvement and sense of occasion and Scalextric sharpness. Plus it means we can look down on chris-c and point

[dopper99]

Originally Posted by Richard52

Are 2017 M3s at 40 - 45 k good value ?

Not really when you factor in 7%+ APR vs the 0% deals currently on new M3s. Most second hand APRs are shown at around 10% so you need to haggle the toss to get them down to 7%. You could get finance elsewhere of course.
Probably not much more to get the new one.

[DaveA]

Originally Posted by T_M4CP

Its not really about sheer outright speed. Agreed, most 3's and 4's are hugely fast and cannot be used to their full potential but I think its the way the M does it. The involvement and sense of occasion and Scalextric sharpness. Plus it means we can look down on chris-c and point

Yeah, as I say, it's really a case of each to their own... and it's also interesting how they are really trying to shift the numbers now on the M3/4... Also M2's (probably more my cup of tea but, again, not all that good value in my opinion) as the last time I was in the dealer they were getting a ton of pre-reg M2's...

[JustChris]

Originally Posted by DaveA

Yeah, as I say, it's really a case of each to their own... and it's also interesting how they are really trying to shift the numbers now on the M3/4... Also M2's (probably more my cup of tea but, again, not all that good value in my opinion) as the last time I was in the dealer they were getting a ton of pre-reg M2's...

Yup. The M2 has been creeping up in price. Competition is now at £49k if no discount. My Pre Reg M3CP will be less than an MPE more than that for an (other than paperwork) new car.

[chris-c]

Originally Posted by T_M4CP

Its not really about sheer outright speed. Agreed, most 3's and 4's are hugely fast and cannot be used to their full potential but I think its the way the M does it. The involvement and sense of occasion and Scalextric sharpness. Plus it means we can look down on chris-c and point

That's value for money right there

[Richard52]

Originally Posted by dopper99

Not really when you factor in 7%+ APR vs the 0% deals currently on new M3s. Most second hand APRs are shown at around 10% so you need to haggle the toss to get them down to 7%. You could get finance elsewhere of course.
Probably not much more to get the new one.

Thanks , can you answer another question about dealer finance. If you buy a new car where the dealer makes a contribution are you stuck with the finance package or can you take the contribution and pay off the loan very early without a penalty. As you can tell I'm new to buying new.

Thanks in advance.

[Tengocity]

Originally Posted by dopper99

Not really when you factor in 7%+ APR vs the 0% deals currently on new M3s. Most second hand APRs are shown at around 10% so you need to haggle the toss to get them down to 7%. You could get finance elsewhere of course.
Probably not much more to get the new one.

Once I'd actually made the decision on the M4 I went through this whole decision. I found quite a few used cars that would have suited, and had I just had a pile of cash sat there to be spent on a car then it would have perfect. So even if you factor in getting a decent interest rate loan/finance package then I was getting about £80 per month difference, which isn't insignificant, but then when you factor in the extra costs of warranty at the back end, gets to the point where I was happy to pay the extra to be the first owner and know how the car was treated from new.

[Tengocity]

Originally Posted by DaveA

Just looked on the bmw web site and, yes, I see the 0% deals... and I am guessing there's a good discount so you can do the £1k down (the 0% deal forces a nearly £10k deposit on list, so you ca, presumably, roll the discount as deposit contribution..)...

It's still quite a bit more than my 340 when I spec up a m4 with similar spec...

I guess you pays your money you makes your pick...

Originally Posted by DaveA

Of course, but my contention is that you can't really use a 340i to it's potential on most of our roads most of the time, so, really, I don't feel the need for an M3... I could see upsizing to a 5, or an X.... but I would likely look elsewhere if I wanted a more "sporting" car...

I am definitely not knocking anybody who has done it, just not for me...

Now, if I had the money these days, I would have another GT3 in a heartbeat... and use it as a track day car...

Originally Posted by T_M4CP

Its not really about sheer outright speed. Agreed, most 3's and 4's are hugely fast and cannot be used to their full potential but I think its the way the M does it. The involvement and sense of occasion and Scalextric sharpness. Plus it means we can look down on chris-c and point

It's hard not to compare it to a 340i, but I tell you, it's a terrible comparison really. Yes they are born of the same underlying platform, but the M3 is a proper performance car, the standard 3 series is not, no matter what engine it has, and no matter what you do to springs and dampers.

You've driven proper performance cars so I know you know what I'm on about. It's a real sense that your driver inputs, be that through your hands or feet, will have an immediate, transparent effect on how the car is going down the road. The difficulty in a road car is getting that balance between that and the refinement required. For me, who will be using the M4 as a daily driver, on boring commutes, but wants the performance car ability whenever I get the chance, it is judged to absolute perfection here.

I'm not going to debate too much whether you can really use the extra power, as it depends what you mean? It makes overtaking comically easy, but on the whole I agree that the extra power in itself doesn't make the car more enjoyable than having 370bhp would have done as you drive along a quiet British B road on a Sunday morning.

So I too would point in the same direction as Tony has, and say that you feel the difference on every curve, bend, junction, roundabout. For those who want performance cars to do the every day then I think it's hard to beat.

I know where you're coming from with the Porsche thing. I've kept my Boxster too, but I was debating between keeping the 335d and swapping the Boxster for a 911, or doing what I've done in selling the 335d and getting in to an M4. I went with this as the M4 was new (can't afford a new 911!), which gives peace of mind, and is a normal car for going shopping, carrying passengers, golf clubs, camping gear or whatever. But any road at anytime then I have a proper performance car. I'm not saying it's as good as Porsche, but it is a genuine one car to do it all, including track work (if you can afford the tyres).

I'm not saying chop your 340 in for one, unless it's time to change anyway, but for plenty of us where it was time to change, then the difference to a 340 or 440 is more than worth it.

[Rhino at Work]

Originally Posted by Richard52

Thanks , can you answer another question about dealer finance. If you buy a new car where the dealer makes a contribution are you stuck with the finance package or can you take the contribution and pay off the loan very early without a penalty. As you can tell I'm new to buying new.

Thanks in advance.

Yes you can. You just ring up BMW financial services and ask to settle - they'll even do it over the phone by debit card.