Although some might not agree with me, I much prefer to use my money to pay for a car upfront on other investments. Cars has always been an expense to me and it can stay that way until my investments options yield less than interest I need to pay on the cars. My accountant seems to like Chattel finance.
BMW rates and terms are generally very good, and you can always negotiate. Principal and interests are paid unlike recently found out one of my staff signed some stupid 13.1% interest paying interest first type loan arrangement with Esander, with the full interest due if contract is broken with a 7 year term. BMW rarely charge their break cost of $500 and it is proportional to terms left.
This is just my opinion