[Erhan]

You get the holiday credit if you lease or finance through BMW Financial.

If you finance, then you have 3 options:

0-36months: 0.9%
37-60months: 2.9%
61-72months: 3.9%.

So basically you choose to finance, they give you $1500, then you choose the lenght of the loan which determines the APR.

Assuming that in August, there were no holiday credit, the APR was lower. Now you choose to get the holiday credit, so you're subject to new APR. I do not think you can keep your original APR and get the holiday credit. I might be wrong though..