Just reread your post. Found one nearby NEW 2017 VOLVO S90 T5 FWD MOMENTUM at $51005 MSRP 
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You should shop multiple dealers anyway. Just find the car you want, use calculator and email them your numbers.
Is the math right here? Shouldn’t the neg equity still be $9k?
Oh, yes. I was wondering why it was so low And she won’t get pull-ahead for 14 months either.
Sorry @Tuggsnow for confusion, jumped on it too fast
It’s $595/mo with tax and 4 MSD on 2017 T5 MOM MSRP $51,005 and $9,142 neg equity and no pull-ahead. Still better than $700
@Tuggsnow just noticed you are in SoCal. If you can replicate this deal and roll the negative equity, you’d be just alittle over $600/month including tax.
Edit: You’d have to up the mileage though, so this might not be worthwhile if you are trying to reduce your monthly payments compared to your A6.
My vote is to stick with the 2018 T6 for 700 a month. Chances of finding a dealer willing to roll in 9k on a 2017 are going to be very very low IMHO …
As for E300 loaner for 351, I would say don’t even go there - these are rare unicorns…
Why not 2017 T5 that she found for $595? Why “Chances of finding a dealer willing to roll in 9k on a 2017 are going to be very very low”?
Sure if she gets the same term as the T6 go for it …
All she needs to do is to stick to 10% off sticker and buy rate.
I had to wait 5 hours to post again b/c I’m new on this site! So I reached out to another dealer on a demo with 3k miles, it’s a 2017 T5 FWD Momentum MSRP 51,005 for 36/12. Residual 51% and money factor .00148. He came back with sales price of $38164 which includes my 6 months pull ahead discount (3963) and 3k from Costco making my payment $531.29 incl tax. and they cut me a check for 3k to pay off my Audi. I get $463.37 when I calculate? The first dealer gave the money factor at .00020 and 54% residual on the 2018 T5.
If you were to agree with one of these Volvo deals, what will you do with the Audi? Is the Volvo dealer going to take it in as a trade-in or are they just cutting you a check to cover the 6 months worth of payments?
Dealer A has offered to cut me a check for $9142 to pay off my Audi. (a number they miscalculated) MSRP : $54,625.-
Sale $$: $51,075.-
Residual: 54 % ($29,497.50)
$$ Factor: 0.00020
Dealer B offered the demo model I just posted about with a different money factor and a check for 3963 which is my remaining payments. I need to just get rid of the Audi.
For offer #1, you will just park the A6 for the next 14 months?
For offer #2, will you attempt to sell it? You would have to front the rest of the balance?
For offer #1 they just got back to me. I would return the Audi and they will cut me a check to pay them off and I pocket 1.3k. I offered, per @vhooloo, 50k sales price and 15k miles, they give me check for 9142. They have countered with $50,375 sales price, 15k miles/36 months and a monthly of $706 which includes tax. She said the residual drops 2% with the extra miles to 52%. THis is on the 2018 T5 momentum with msrp $54,625 No money down and I get the check for $9142.
Option B, I am responsible for the remaining $3800 in payments. or I can try to roll that into that demo deal
Latest from Dealer A - 2018 T5 Mom. MSRP $52475 36/12 54% residual
Sales Price - 48,225
check for $9142 to payoff Audi
payment $644.85 incl. tax
This is with costco and conquest/pull ahead. It seems like a great deal, but I’m having a tough time figuring out with the calculator.
Looks good. Use this calc, much easier
http://www.ridewithg.com/rwg-calculator/
Did you check MF on Edmunds? You sure you got pull ahead?
Something doesn’t add up. Is sales price before $4,250 Volvo cash? And then $3,000 Costco and $3,918 Audi?
Take it asap - wonderful deal ---- That’s like 400 a month + 9142 to pay Audi
I can’t get it to match up when I use the calculator, but if they really want to give me 9142 to pay off the Audi, then I’m probably in! I guess I am just wondering if there’s more room somewhere. Edmunds does say MF is .00019 and 54% residual for 36/12. She quoted me .00020 and 54%. Heading to dealership now and will post some details. Thanks again for all the help!
No, Edmunds shows .00020 on T5 Mom FWD. Ask to put down 3 MSD, if you have cash. That will bring MF down to .00005 and should save you $15-20/mo.