2018 Volvo XC90 RV per Ally RV Value Guide

Ask the Hackrs
1

Hey folks,

Thanks for the wealth of information here. I’m new to leasing and without the information contained herein, I would have walked in to Volvo and given them a hefty down payment without knowing about MSD. I’m currently at 15% off MSRP ($51.7k sales price) on an XC90 with a .00085MF (down to .00035 with 10x MSD).

Here’s the question: I recently stumbled upon the Ally Residual Value Lease Guide and it appears they have 2018 Volvo XC90 T6 Momentum at 59% RV whereas I have been quoted 55%, which seems to correspond to the 2017 RV listed on the Ally RVLG.

Is the RV for this particular vehicle on a 36/12 lease 59% or 55%?

Here’s a few links to take you to my source:
https://www.ally.com/dealer/tools/
Click on Residual Value Lease Guide in the bottom right.
Click on the top of the pyramid, which is the most recent version. Search Volvo.
Page 166 is where I spotted it.

Thanks in advance!

Got this figured out, thanks!******

2

Are you comparing the same month’s data? 36/12 is 55% from Volvo. Maybe 59% is from Ally, if they finance Volvo leases.

3

I was comparing same months data, but didn’t realize that all financiers might use different RVs for the same vehicle. Appears that Ally gives the XC90 T6 Momentum a higher RV than Volvo Financing does.

4

Oh. That’s news to me. I did not know you could have a third party finance a lease.

Is that frequently advantageous?

5

I’m sorry, I’ll edit my previous post. I meant to say I was comparing Ally’s RVs to what I’ve been quoted by Volvo finance; not that Ally was financing my Volvo Lease.

6

Not frequently. Sometimes the numbers align