Originally Posted by NoM3Yet
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.