u/Best_Grape1937

[Deal check] 2026 BMW M4 Base (6MT) 36m/7500 $1300/month

MSRP: $92,275
Selling Price: $82,048 (11.1% off)
Monthly Payment: ~$1,275
Drive-Off Amount: $3,000
Months: 36
Annual Mileage: 7,500
MF: 0.00255
Getting a solid 11% off MSRP right off the bat, which feels great for a manual M4. However, the dealer is clearly marking up the MF from the base 0.00235 to 0.00255.

Is this a solid deal as-is, or should I push them to drop the MF to base while keeping the 11% discount? Also considering maxing out MSDs to buy down the rate. Would love to hear your thoughts!

reddit.com
u/Best_Grape1937 — 6 days ago
▲ 14 r/BMWM3+1 crossposts

[Deal Check] 2026 BMW M4 Base (6MT) with carbon seats

MSRP: $92,275
Selling Price: $82,048 (11.1% off)
Monthly Payment: ~$1,275 (Includes tax - estimated after extra discount)
Drive-Off Amount: $3,000
Months: 36
Annual Mileage: 7,500
MF: 0.00255
Getting a solid 11% off MSRP right off the bat, which feels great for a manual M4. However, the dealer is clearly marking up the MF from the base 0.00235 to 0.00255.

Is this a solid deal as-is, or should I push them to drop the MF to base while keeping the 11% discount? Also considering maxing out MSDs to buy down the rate. Would love to hear your thoughts!

reddit.com
u/Best_Grape1937 — 6 days ago