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Hey guys, I have ordered my M3, and am set to take delivery on 4/5. I took advantage of the BMW finance deal for $1500 in holiday cash, but the rate is obviously at least a couple points higher than with penfed. At what point could I refi that loan with penfed? My car is in production right now. It doesn't have a VIN yet (that I know of), only a production number.
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