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Yeah rates are definitely on the climb and finding a bank to give you free money (below the inflation rate) will be difficult to impossible. In order to get anything under 4.5% right now you need to be above 750 credit rating and keep the term below 72 months. You can get something like 2.9 for a short term like 36 months. If you qualify, I’d check PenFed. They always have crazy teaser rates and do refi and “second chance” auto loans to lure your business.
Beyond that, you may just want to say now is not the time for an M3 financially, sell it private party, pay the difference owed and buy a cheapy car until you can turn things around. You could also consider an older 135i that would be almost as fun but way cheaper.
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