I have to concur with the first answer. If you have very bad credit, you should not be buying a 335i.I have excellent credit, but I only purchased a 328i, because I wanted lower payments and I wanted to live within my means.Even if you purchase this car for invoice, which is just not going to happen, the payments on a 5 year term at 7.82% are over $850. At 9% you are up to nearly $900 per month.If you have very bad credit, but an income that can support this, you need to rebuild your credit, buy a much cheaper sensible car, and pay off all your debts.Your bad credit costs you with everything from motor insurance, loans, credit cards. Almost everything you do is going to be negatively affected by having poor credit. Buying this BMW is going to make your income to debt ratio look bad, on top of having poor credit. This compounds the situation.If you have enough disposable income to buy a car with an $850 car payment, you should buy a house instead. Then you can slowly rebuild your credit while building equity in your home.