1. Go to the BMW USA website to familiarize yourself with the 3 Series and its options. Choose the '3' from the top of the page; click on the body style and level you wish to pursue. Keep in mind that the xDrive models offer standard all-wheel-drive, other options offer standard rear-wheel-drive.
2. Click on 'view model highlights' to view the level's standard features. Doing this saves you time at the dealership, as you'll become knowledgeable of which level you want. View 'features and specs' from the left side menu at anytime to see a break down of specifications and standard level features.
3. Click on the 'build your own' option. From here, you can build the 3 Series as you see fit. At the same time, you can view pricing for a variety of tempting luxury options. Once you're done building the vehicle, click 'print' from the right side menu so that you can use the information for shopping purchases.
4. Click 'estimate a payment' once building is complete. Choose your state from the drop down box and whether you'd prefer to lease or finance from the 'options' boxes. Options are already filled out and calculated payments do not include taxes or fees.
5. Change the down payment amount if you would like. You can also change the rate, although the rate listed is one offered as a special rate from BMW Financial Services. If you do not plan to use BMW's special offer, change the rate to one you see fit (you can check your bank's website for current new-car auto loan rates).
6. Apply online through BMW Financial Services by clicking 'apply online for finance,' if you'd prefer. Otherwise, you can contact your bank for a pre-approval to have handy when you visit the dealership. The credit application you submit from the BMW website is forwarded to a local dealer of your choice--you are asked to choose a dealer before submitting.
7. Contact the local BMW dealership you want to use once you have your pre-approval. Make an appointment or stop in with your 3 Series print-out. Ask to test drive the model you want and find the one you want to buy, whether it is the one you built or a different model built to suit your needs if you've decided on a different level.
8. Tell the BMW consultant that you have a pre-approval. If it's from a bank other than BMW Financial Services, the consultant will provide you with the information that you'll need to retrieve your check, such as the vehicle identification number (VIN) and buyer's order, which lists all pricing and total finance amount. If financing through BMW Financial Services, the dealer will have your approval on hand and will be able to complete your loan paperwork when you are.
9. Bring the buyer's order to your financing bank to complete your paperwork. Whether financing through the dealer or independently, you'll need to provide your driver's license, vehicle registration (if transferring plates), most recent paystub and proof of residency, such as a recent utility bill. Give the check to the dealer upon return for pick up, or simply sign all paperwork at the BMW dealership. Provide any down payment at this time.
10. Sign all of your state's required motor vehicle department forms, as the dealer handles all insurance, plates, taxes and registration paperwork, even if financing independently. Your consultant will explain your vehicle's options and features entirely, secure your plates and provide you with any additional vehicle or state information before you leave in your new 3 Series.