[F82_SID]

IMO BMW Select is the best way to go if you want to keep you payment low and still have the benefits of ownership (i.e mod how you want and not have to worry about mileage).

Yes you have a "balloon" payment due at the end of the term but you can turn around and refinance the amount due, or cut them a check for the balance, or just sell the car back and get into something else. My car had a sticker of 74k, I put 12 down, did BMW Select at 2.9% (I think) and my payment is 780. I think I did pretty good. The balloon due at the end of the 48month term is only around 20k. If I put an extra 5k a year on my car then at the end of the 48 months I will actually own it.