How do I get financing on a car that I want to special order from a dealer?

I want to get a high-end BMW with a ton of extras, such as interior options and special paint. I need financing on the vehicle, but because mine isn't on the lot, I wasn't sure how that worked. How and when do I get financing on a special order from a car dealer?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Getting financed for a special order car isn’t necessarily different than securing a
when you buy a car off the lot.
In most cases, the dealer will guarantee you a price on the car and give you a ballpark of what interest rate and terms may be.
Conversely, you can go to a credit union or bank and get preapproved. A preapproval will tell you exactly how much the lender is willing to give you for the purchase, as well as an interest rate that’s close or the same as what you’ll get when you’re fully approved.
However, you should still get an estimate from the
for your special order vehicle to ensure you have the financial resources to purchase it.
When you do find the best deal, don’t forget that your new car will need proper coverage. Use the free
app to help you find the best deal. Jerry compares rates from the top 50 companies in under a minute, delivering the best deals to your phone.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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