[SeaSkiAndMe]

The BMW dealership I bought from beat my credit union's rates, so I financed directly through BMW for 4.99% on my 2023 X1. I put like $20k down, financed the rest for I think either 3 or 4 years (we will probably pay it off next year but I needed some breathing room in the cash department, as I'm paying for my daughter's wedding this year.)

I negotiated to what I thought was a good price: $39,495. I sold my prior vehicle directly to Carvana to get most of my down payment. I have most of the features I wanted (remote start). Wish I had looked on the lot a little harder for the upgraded stereo, but oh well. My key thing was I did NOT want a sunroof, bc I dislike them (well, also, I've had skin cancer, so I'd never use it).

I'm still not 100% happy with the vehicle, though it's pretty fun on the highway. Maybe I'll like it better if I upgrade the stereo and get snow tires next winter.