Hard to answer this question as finance rates are based on term, credit, amount being borrowed, source of the vehicle being purchased, the area where you live etc. For the car to qualify for BMW financing you'd need to find a used 1m at a bmw dealership. Chances are the rates won't be subvented either. Tell your friend to focus on the car that makes them the happiest and then contact their bank for a loan. Tell him not to spend his life worrying about interest rates.