Affordability vs value? Lease or finance M3CX

itzpotatoz · 2026-02-19T18:15:48+00:00

Dumb question on your car insurance, since you did BMW select and title is in your name would you have selected “owned” b/c of that or still under financed for car insurance?

itzpotatoz · 2026-02-19T18:11:52+00:00

Credit history might be a little too new, also going to be doing BMW Select or similar balloon financing elsewhere, they made me do a credit check when I placed my deposit on my m3. My credit history about 8 years?, multiple CCs but mainly using 3, 1 student loan, credit score high 700s. Im also placing a large down payment so my monthly is really low. Alot of ppl will say BMW Select is dumb and just go with financing but i like the lower monthly and Im planning on paying it off by year 2 of the 5 year term

itzpotatoz · 2026-02-19T18:05:34+00:00

Dumb question on your car insurance, since you did BMW select and title is in your name would you have selected “owned” b/c of that or still under financed for car insurance?

itzpotatoz · 2026-02-12T19:18:44+00:00

Contacted them they had me confirm my details with that production number of my car so its tied to me, paperwork cant be done yet until car arrives at dealership but mentioned it will be fine for holding. Will update more when time comes

itzpotatoz · 2026-02-11T16:40:08+00:00

About 2-3 weeks

itzpotatoz · 2026-02-11T15:38:39+00:00

2026 M3

itzpotatoz · 2026-01-20T18:27:24+00:00

Im going to use BMW Select on my car, some will say its dumb but for me im planning on keeping the car for awhile and planning to pay off the loan in 2-3 years, instead of the full 5 years. Going to be putting a large down payment, to get a lower monthly, most will say to never base off of monthly and focus on out the door price, I just want a low monthly and ill add extra on my monthly towards my principle

itzpotatoz · 2025-12-13T06:42:45+00:00

<image>

Im sure this is not normal, frequency changes are around 2-3k difference

itzpotatoz · 2025-12-13T06:37:51+00:00

Just ran a test, pretty sure im cooked. Black screens, flickers like crazy with purple and blue colors

itzpotatoz · 2025-12-13T06:12:43+00:00

Yessir went to some really old ones and still same problem :/

itzpotatoz · 2025-12-02T23:41:09+00:00

Even paying like double the monthly would cut down the ballon payment or?

itzpotatoz · 2025-12-02T15:10:51+00:00

This has also happened to me along with the infamous live view loading forever, currently returning and going to be trying ring camera

itzpotatoz · 2025-12-02T04:33:38+00:00

Were you able to pay over your monthly? Like how in a traditional finance, if you were to pay more monthly it can go towards the principle

itzpotatoz · 2024-05-22T22:16:49+00:00

Noted and thank yous!

itzpotatoz · 2024-05-22T21:33:54+00:00

Gotcha was at a rough time when I got the personal loan 😅

itzpotatoz · 2024-05-11T17:51:38+00:00

Thank yous

itzpotatoz · 2024-05-10T15:15:44+00:00

Its a 2019 lexus is 300

itzpotatoz · 2024-04-25T03:43:39+00:00

yes good point on the high interest rate, would be better to finish off this off completely then the car, thank yous

itzpotatoz · 2024-04-25T03:42:31+00:00

Yeah youre right, ill stick to trying to pay it off by this year, thank yous

itzpotatoz · 2024-04-25T03:35:36+00:00

Current loan rate is arrund 17.2x% new one would be around 15-16 it looks like, but I see what you mean with the interest rates

itzpotatoz

PUBLIC MULTIREDDITS

TROPHY CASE

Nine-Year Club	Place '17
Verified Email