Local dealer has a 2018 XC90 T5 Momentum FWD 7-seater, which I’m assuming was a loaner, since it has over 3500 mi. According to Edmunds, MF and RV are .00161 and 64% for 24/10k and a $3500 incentive (how can you tell if it’s a taxed or non-taxed incentive?). Sticker is 54,600. It’s already discounted around $5k. I’d like to get another $5k off, which should put my payments under $400.
I don’t have a lot of time to haggle with the dealers, with the holidays and family coming in, so trying to get as much ammo before-hand.
Target $42,900 sales price after dealer discount (15%) and all incentives ($3,500 if that’s what it is). You won’t get under $400/mo, like others said.
Just see in the calculator for yourself. You have all the numbers. If you are not in NY, use 10 MSDs.
See if 39/10 will be better - RV is 54%. Or 30/10 - RV is 61%