I've been wanting to get into a BMW for years. My finances are finally at a point where it's reasonable. I found a nice 2005 330i ZHP (41.4K miles) under CPO at my local dealer. It doesn't seem to have any options above and beyond ZHP. I'm not sure if it's a good deal. It's marked at $29,999. I was told the current promotion is 2.9% APR from BMW financing. Due to my hand wringing over the car and warranty, they offered to either decrease the price by $2k, or throw in the extended factory warranty. He then discovered he was wrong and it's 3.9% APR, and offered to price it such that the monthly payments would be those of 2.9%. After more hand wringing, he asked what he'd have to do to get me in the car, and offered to let me borrow it for a few days. A long story short, I've got the car until Monday, and I'm still no closer to making a decision. I'm not a haggler, so any advice is appreciated.