When I sorted my bike last year I managed to get the finance down to 7% on the pcp with bmw so might be worth haggling down although it's not as cheap as the 5% your talking about the figures stacked up for me as I got cash back from my px. Hope this helps.
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Why on earth would you take cash out of the equity in your p/x, only to pay back interest to BMW on it
BMW really have got punters, eating out of BMW's hand


