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      12-07-2012, 10:17 AM   #17
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SamS's Avatar

Drives: 2018 X3 M40i
Join Date: Jul 2010
Location: Dallas, TX

iTrader: (0)

Originally Posted by NoM3Yet View Post
So, if I understand correctly, the USAA discount is not like holiday cash. Meaning, if I have already had the hard negotiation with the dealer and have something like $1000 or whatever over invoice, USAA benefits won't help me.

In reading the site and threads on here, I thought it was more like the "holiday cash", where I take my negotiated price and then apply some sort of "discount" to bring it even lower.

Is my understanding correct?
No no no.

The USAA discount ($1000 if you're using BMW FS) comes off the 'sale price of the car'. Meaning after you do your negotiating, they knock off another $1K. They list that as the 'sale price of car' on the bill of sale, then take off another $1750 (listed as "rebate") for Holiday Cash + Loyalty.
2018 X3 M40i - current
2016 M3 - sold
2013 ActiveHybrid 3 - sold
2012 M3 coupe - sold