Materials to Maintain Your ZHP IIIII Hand Protection IIIII Tools to Maintain Your ZHP
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  1. #11
    Join Date
    Aug 2011
    Location
    Lincoln, NE
    Posts
    250
    2003 BMW 330 ZHPs For Sale
    2004 BMW 330 ZHPs For Sale
    2005 BMW 330 ZHPs For Sale
    2006 BMW 330 ZHPs For Sale
    I added bmwusa.com, carmax, cargurus.com, carsdirect.com, and autotempest.com to the OP. I used all those also but overlooked them writing this up.

    t.
    Last edited by tkundhi; 02-22-2014 at 10:32 AM.

  2. #12
    Join Date
    Aug 2011
    Location
    Lincoln, NE
    Posts
    250
    NorCalZman, thanks for pointing that out. I revised my comment slightly. For us we wanted heated seats and fold down rear seats. That combination required the cold weather package.

    t.

  3. #13
    Join Date
    Aug 2011
    Location
    Lincoln, NE
    Posts
    250
    Quote Originally Posted by bshovers View Post
    What about financing? Where you live or where the cars being sold?
    I recommend do it where you live. That way you have it done and in place and you can search for cars anywhere. If buying from a dealer, you can always consider financing through them. One other comment on financing. You may have challenges getting financing for the full purchase price if that is what you're seeking. Most lenders don't care the car is a ZHP. They are simply looking at NADA values for a 330. So if you paying more than regular 330 prices you need to consider this. What the lender will ultimately finance will depending on many factors. That is why you should get this lined up before you find your car.

  4. #14
    Join Date
    Jan 2014
    Location
    Racine,WI
    Posts
    389
    Quote Originally Posted by tkundhi View Post
    I recommend do it where you live. That way you have it done and in place and you can search for cars anywhere. If buying from a dealer, you can always consider financing through them. One other comment on financing. You may have challenges getting financing for the full purchase price if that is what you're seeking. Most lenders don't care the car is a ZHP. They are simply looking at NADA values for a 330. So if you paying more than regular 330 prices you need to consider this. What the lender will ultimately finance will depending on many factors. That is why you should get this lined up before you find your car.
    What's the best way to get the lowest interest rate?


    Sent from my iPhone using Tapatalk

  5. #15
    Join Date
    Jun 2013
    Location
    Charlotte, NC
    Posts
    1,255
    Credit Unions

  6. #16
    Join Date
    Jul 2013
    Location
    Bend, OR
    Posts
    797
    One tactic I used when I was looking at mine was that I called the shop it was serviced at to see what input they have about the overall condition of the car, and the retentiveness of the owner.
    -Dimitri; 19

    98 Dakar Yellow M3
    Recaro - Ground Control - Macht Schnell - AP - Mashaw - UUC - Schroth - Apex - TMS

  7. #17
    Join Date
    Aug 2011
    Location
    Lincoln, NE
    Posts
    250
    Probably wherever you have a banking relationship. While many people don't have relationships with their banker, I find it quite valuable.

    Credit Unions are great. As are local banks. But you can also have a strong relationship with the local branch of large bank. I've used all three depending on where I was living at the time. The constant, relationships matter. Build them. Personally, I'm not going shop around, get funded through an online bank or go across town for a .25 rate difference. The additional cost for the time and amount being financed is really pretty small. In my OP I used the term bridge loan. That is when you want a loan for just a short period of time while you sell another car. In this case paying even a full point or two more may be worthwhile. After all you will only be financing the amount over a couple months. Plus using that approach may not require you to turn over title.

    Many lenders will only finance a car based upon the NADA value plus 10% or so. They typically charge higher rates on used vehicles, particularly if they are more than 3 years old. Some lenders won't event consider financing a 10 year old car or will charge a significantly higher rate. They will also limit the term and add other fees to boost their profit. So that low advertised rate isn't what you get.

    If your banker knows you, your habits, finances and your interest in cars, you may get more flexibility than the average buyer. This may mean they are willing to finance more, give you a longer term, etc... If you've discussed your objectives with the bank beforehand, when you find your car, you should be able to call your bank, sign some docs and have the funds within 24 hours or less.

    t.

  8. #18
    Join Date
    Jun 2011
    Location
    Chapel Hill, NC
    Posts
    2,292
    Talk to people too. I found my ZHP for sale before it even hit the market because I told my good friend and mechanic that I was looking for one. He directed me to a small privately owned dealer who usually had 1-2 per year. Then that owner's best friend from high school had one that I ended up buying. So put it out there, talk to anyone who may have an idea where one is. You never know what you'll find!
    -Chris-

    2003 ZHP Sedan - Jet Black on Sand - SOLD

  9. #19
    Join Date
    Jun 2011
    Location
    VA/DC
    Posts
    14,445
    Quote Originally Posted by HokieZHP View Post
    Talk to people too. I found my ZHP for sale before it even hit the market because I told my good friend and mechanic that I was looking for one. He directed me to a small privately owned dealer who usually had 1-2 per year. Then that owner's best friend from high school had one that I ended up buying. So put it out there, talk to anyone who may have an idea where one is. You never know what you'll find!
    Good advice. Same with finding a job and other life events. Network!

  10. #20
    Join Date
    Jun 2011
    Location
    Chapel Hill, NC
    Posts
    2,292
    Exactly! Just like finding a job
    -Chris-

    2003 ZHP Sedan - Jet Black on Sand - SOLD

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