2024 BMW i4 — dealer APR is higher than my credit-union preapproval — Houston owner

Don't get cute with the meetup or the payment. Meet at a bank or dealer title office for the 2024 BMW i4, not a parking lot at night. That's where I'd start. I'd want a dollar figure or a measured spec, not 'should be fine.' If the story changes I'll post the new data.

I'd treat this like cash with a paper trail. A rushed deposit before you can inspect the 2024 BMW i4 is enough reason to walk. That's where I'd start. On “dealer apr is higher than my credit-union,” that was the fork that mattered for me. If it doesn't change the out-the-door or the repair estimate, it's noise. If GAP is bundled I'm making them unbundle it.

Update from me: I finally have sale price, fees, and trade on separate lines for the 2024 BMW i4. This is the version I'd tell a friend.

Don't get cute with the meetup or the payment. Bill of sale, VIN, odometer, and names matching the title — I'd want all four on the 2024 BMW i4. I'd do that before spending real money. Post the numbers (or the code) and people can get more specific. Make the next action something you can finish this week. Not wiring anything in the meantime.

I'd treat this like cash with a paper trail. If the 2024 BMW i4 still shows a lien, coordinate payoff with the lender before any cash changes hands. Then you'll know the next fork. On “dealer apr is higher than my credit-union,” that was the fork that mattered for me. Take it or leave it — that's what I'd do. Wrote this up on my lunch break.

Private-party deals fail on paperwork, not vibes. Meet at a bank or dealer title office for the 2024 BMW i4, not a parking lot at night. That's where I'd start. Happy to compare notes if your setup is different. Doing the boring step first on purpose.