if you have the money or if you can pay for it in cash. If you have the money and still dont want to spend it all on your bmw try to get the loan BUT they will put you through some crap first. If youre credit is ok they maybe can pull some strings, if its bad then i doubt you will get one. You need proof of income or have a decent amount of money. Also decent /good credit. They will not lower the amount down too much either. Good luck.