Generally speaking, carrying over a loan balance from one vehicle to another is not a good idea, it means you went somewhere wrong with your finances (in another words didn't hang on to the car as long as you needed it). I think 200 less a mo is a significant difference. I would keep the M3 at least for as long as you need to not have a carryover balance. In the interim the 335i prices will drop as well. So a little time buys you a lot of money.
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