2026 CHEVY EQUINOX quote/possible deal $575 zero out of pocket

A friend called me to ask my thoughts on this deal. They are in the state of Indiana, 30 mins outside Indianapolis.

The initial payment was $610 a month zero down. I said no way, so they talked to the dealer and worked a deal. He came back to them with $575. Shall see if they want to take that deal. Dealer said would try to give them more on the trade in or maybe they gave dealer cash…who knows at this point.

MSRP- 37,390

Sale price- 34610. Dealer is giving GMS, said they’re losing money for those who can’t get the the GM discount.

1000 rebate, currently owns a Buick, dealer is going to buy. Not much equity in that.

56% - estimated…didn’t get the residual, but tried to reverse engineer it.

MF-.00297

Doc fee $252

Acquisition fee $650

7% tax for Indiana

36 months - 15k a year

That monthly payment for an equinox is high imo. Even if it has some good options.

Thoughts from the community on the numbers? Thanks in advance!

This has recipe for a horrible deal writing all over it. Make your best attempt at the calculator and get multiple quotes for the trade.

Won’t make any meaningful difference unless OP picks a hackable car.

Looks horrendous.

Is there a second one in the trunk or something?

Talked to another friend who works at another dealer. He told me the programs are terrible right now. He mentioned that trailblazer’s are rolling off the lot with higher payments than basic equinox’s. So yeah these deals are looking bad.