money factor to interest rate

If you are looking to buy a car (BMW 535xi) What can you do to get the best price? How much above invoice?
What money is a factor? Is it like an interest rate? What should you expect from a trade? Who in the Northeast provides the best deal? If I buy another State still honor the agreements and loan services in New York?
Unless you know someone who works at a BMW dealership and can sell the car price used, which is thousands less than the label, no one is willing to bargain with you, especially when everyone is rich. Money factor is that the amount of the loan obtained is multiplied by the monthly payment. Lenders are given by the seller and dealer affiliates, where appropriate. Other BMW dealers are not required to give a borrowed car, they are not their customers.
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