2019 xc90 T6 MOM awd

Ask the Hackrs
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1

Hi all.

From the recommendation from a few on here, i am working on a deal for a 2019 xc90 T6 MOM awd. The person is on LH.

Mrsp: 59,830
Sales price including incentives: 51,005

12k/ 39m
10 MSD to buy rate down to .00105.
58% RV

Payments before taxes come out to be 508.

Upfronts

Acq: 695
Doc: 299
Sales tax and title $2,385.22

Its been dificult to get the dealership to provide me any detail on the sales tax and title. From my calcs…NJ sales tax should be 1,312 which means they are charging the title fee to the tune of 1,073.22. Does anyone feel like this is high? From reading the NJ dmv site, tags and registration should cost 4x84 = 336.

They have not been able to provide any support for this number and point to the fact that they use a service to come up with these numbers.

Any suggestions on how to move forward? Or any of my above calculations?

2

I’ve heard that other MD dealerships also use third party, which raises registration fees. Just ask for breakdown. If they miscalculated the tax you will get it back, and there is probably extra $300 on registration. They may also do 2 years registration.

3

Speaking to the dealership all they pass down to the consumer is the fee for the 3rd party registration service which is apparently like 60 bucks. And nj requires 4 years of registration on new cars which calculates to 4 annual fees of 84 each totalling to 336. They claim there is not fat in the registration number.

Can anyone confirm my sales tax calc?

Thank you all.

4

The acq fee is part of the drive off. There’s probably a prep fee in there, too. Looks like a good deal assuming the $2,385 isn’t kinky.

5

He’s not asking about acquisition, the $2,385 is in question.

6

I was guessing at what the $2,385.22 was. The payment reflects on acq fee being financed. Shaggee is looking for clarification of what the $2,395.22 could be. I’m saying the acq fee could be part of it, and maybe some of it is a prep fee or something else. I don’t know what tax and title is in NJ. What about license fees?

7

Yeah, but he listed acquisition separately, so I’m sure it is not part of the $2,385. But who knows.

8

Yea. The dealership detailed this amount as tax and title.

9

@Shaggee - What else did they say was due at signing? If the $2,385.22 was tax and title, did they mention the acq fee along with the MSDs? Anything else? Like you said, something isn’t adding up.

10

Things due at signing:

Acq fee : 695
Doc fee: 299
10 MSDs : 5,550( not sure where the extra 50 comes from)
“Tax and title”: 2,385
First payment: 508

Grand total due: $9,437

11

We have a T6 in Florida and the dealer offered $10k discount off 2019 models if we moved up from our 18.
Also check 30 month rates. I think they come out better than 36 or 39 for some reason.
Think the offer was 62k msrp, and 1700 due at signing including first month at 545.
Hope that helps if at all.

1 Like
12

Yep, I found it to be the best payment on 2019.

13

Can i get the dealer info… i cant do msds but how much would make a difference on 508 monthly payment withoyt the msds?

14

About $40/mo more on 36/39 months without MSDs, I think. You can just plug his numbers into the calculator and see.

15

Got the break down:

Sales tax: 1,931
Title: 60
Registration: 311
Fee: 89

I still cant back into the sales at number at all.
By my calculation its about 500 dollars too much.

Does anyone know how a refund works if i just paid the 1,931?

16

Is this also true for 2019 xc60s?

17

Edit: maybe, need to see in the calculator.

18

How do I verify the MF on this car and do all dealers allow MSD?

19

Volvo allows MSDs, that’s all that matters. Not sure what exactly you want to verify. You can ask here for the exact model or you can see on Edmunds.

20

Thanks so much for clarifying my MST question. As far as the money factor, I was just trying to see if there is a way to verify the number, that way I can tell if the dealer is marking it up if that makes sense.