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Just so you guys have a some numbers to reference:
Used Car Loan for 35k; 60 months @ ~7% = $693 per month
New BMW Loan for 38k; 60 months @ 3.9% = $698 per month
So if you want to compare a private sale BMW to a Dealer car that has access to the 3.9% financing you have ~3k more buying power by in terms of financing if you go new in this example.
Only other point is MSRP comments, left over 08's are going below invoice and 09's are at invoice + 500 .
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