when i was looking to buy mine, my dad did it via the internet and sent out the car specifications that he wanted and asked all the local garages to come back with their best prices. Beverly Hills BMW came with the best price but my dad pushed it even more and said that a different dealership could get it cheaper by a $1000 but BH was closer. We ended up getting another grand off the car. With regards to a bad credit rating I don't know how you could get passed that. But if you honestly have such a bad credit rating, do you really want to live above your means rather than waiting until you sort out your credit rating?