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same thing happened to me, financed @ 4.9% and saw the rate drop to 3.9%, wrote a letter to BMW FS to argue my loyalty (past and future) and we will see what they say. I've financed and leased 13 BMWs through them in the last 8 years, I'd hope they credit my account for the difference in interest, but if they dont thats ok, like a poster said here, i still got a great deal at 4.9% but not sure i'd finance with them again in the future...
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