I am not sure if you are looking for a 3-row SUV or specifically a Kia Sorento.
If it is the Sorento, you need a lot more discount then what you have. Negotiate this before incentives, and add the $4990 in incentives later. Go to Edmunds for the RV and MF, as 0.00176 looks marked up.
By differentiating the pre-incentive price, you know how much is coming from the dealer, which allows you to compare deals with other people in other regions that may have different incentive situations. It also allows you to properly calculate taxes, as incentives are generally taxed differently than discounts.
Deal is no good, we are a broker in NJ I just ran the deal off rough numbers. I’m pretty sure we can get you under $400/mo with the same parameters. However the rates & residual they gave you are correct.
Exactly. Everything that is pre-incentive is dealer discount. That is what is variable. Negotiate the most you can and then add incentives on top of that.