You can use bmw's website to get preapproved. Go online and build a car with the spec you're interested in and apply for financing listing your preferred dealership. You'll receive email notification of your approval in about 10- 30 mins. Take the approval to the dealership you listed and get your car
. The approval is not transferable, but you can obtain multiple approvals online, but they'll make you sign a letter upon delivery of the car that you'll not attempt to buy more than one vehicle, plus bmw financial will notify the other dealerships you listed of your purchase.