Originally Posted by BlackSapphireZ
because they get paid after approx 3months
if you wanna screw him/her, then you can change at ANY TIME
Lol. My intentions will have nothing to do with screwing them over. It simply comes down to cost. If I can save money by refinancing it immediately, so be it. Fact is, if I didn't get the EM for free, then I wouldn't have used the BMWFS. Thus, either way, the dealership isn't going to make any money off me from the finance.
My credit union already indicated that once I receive the registration, I simply need to contact them and they will refinance. The only out of pocket cost is a $15 DMV transfer charge. I've already been approved by the CU so I want to just get it over with asap.
In the end, all this extra work is damn worth a free $2000 EM plan and 3.9 financing through my CU. I'm excited.