[wyndnmyfac]

I am determined to figure out the cheapest way to pick up a new M3. I used the BMW select plan on my 09 E93 328 and the financing was based off of 1.9% for 60 months. Wished I had got an M3 instead. Now that advantage is gone I was thinking of a lease. While I was crunching the lease #'s I noticed several forum members reference PENFED credit union's balloon option and I was curious to see if anyone on here has used them recently for ED or just simple dealer delivery?