2020 Volvo S60 $399

We just picked this up. We were working on a 3 series but one LH broker said not to bother and another was saying close to $500/mo (albeit on a more expensive car).

Year, Make, Model, and Trim: 2020 Volvo S60 T5 Momentum FWD
MSRP: $ 42k
Monthly Payment: $399
Drive-Off Amount: $400 plus first month = $799
Months: 36
Annual Mileage: 7,500
MF: ?
Residual: ?
Incentives: $500 Pen Fed
Region: South FL!

Hi, where did you get this? I’ve only seen these with 3k+ down…