$373 2017 Volvo XC90 T5 R-DESIGN

First of all, I would like to thank @Ursus walking through the negotiation with me while I was at the dealership. It was nice to have an expert to offer advise during the process.

I came in to the dealership offering $414 36/7.5k before tax with 10 MSD knowing they will probably reject my offer but hoping they were desperate enough. They came back at $431 and I knew I could close the deal. But since I was also hunting for E300 loaner at mid 300 range, I was going to walk away and think about it overnight. I also created this post to ask fellow hackers for advise. Then the general manager came over and persuaded me to do the deal and willing to show me the numbers on his PC screen. He mentioned that I do not need to do any MSD and still would get $414 number before tax and I was shocked. Knowing putting down 10 MSD to drop the MF another 0.0005, I asked him to show me the numbers with 10 MSD and he refused to do, saying that it will make the discount less. That made me think that he had no idea about MSD. I later confirmed this with the finance manager as he said it is stupid to do MSD. And he showed me that 24/7.5k miles will achieve the same number of 414. So I went ahead to accept his offer of $414 for 24/7.5k miles as I like to get new cars often. Once I met the finance manager, he put in the 10 MSD and the MF drop to 0.00057, and my payment drop to $373 before tax. I kindly accepted the deal. Below is the final break down of my deal.

MSRP 57390

Discount $12340 (including $3500 conquest and $750 Costco)

Acqusitioin fee: $995 (They marked it up by $300)

Dealer fee: $199

MF 0.00057

RV 67%

24/7.5k miles

Zero down. $4500 MSD

Monthly payment of $372.98 before tax

$405.10 after my tax rate of 8.613%

Drive off: $495.10 (1st month payment + $90 plate fee) and $4500 MSD

Additional $200 Costco GC after completing Costco Auto survey.

Dealer had no problem for me to give out their name, but they said they are not going to offer the same deal I got as they “lost” money on the deal. But I guess you never know until you ask. PM me if you want dealer info.

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What’s included in your discount?

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3500 conquest
750 Costco
6451 dealer discount

I think it’s good. You got 11% off before all possible incentives.

Trying to get him to do 24/7.5k miles now.

Don’t try to redo numbers at the dealership. Dealer will mess with your head.

I get $386/mo + tax and all on 36/7.5 and $391/mo for 24/7.5 + tax and all

Finalizing the deal. Now they offer me no MSD with the 414 payment. 24/7.5 miles. They said putting down MSD will increase sales price. Doesn’t seem to make sense

I get $434/mo + everything else on 24/7.5 with no MSD (MF .00107, but you already know it from Edmunds)

So 414 is a good number?

In PM [20 chars…]

I’m afraid @inter101 is getting screwed there :frowning: Hope i’m wrong

How can i get screwed if they can do 414 with zero down?

What should I look for?

Dealer’s name is not loading! :grin:

Great deal, congrats! 0.7% all-in on XC90 at $405/mo. You made @vhooloo proud :slight_smile:


405>399 not @vhooloo approved!

I told him to put $200 down to bring to $395/mo and reduce MSD from $4500 to $4000, but he was too shy to ask since they had printed contract already :slight_smile:

Seems an awfully big discount for their most popular model

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Say it ain’t so? A 57k Volvo for under 400??? I must be dreaming :slight_smile:

A++++ vhooloo approved, works all the time :slight_smile:

If you can get XC90 for 400 plus or minus, then forget the S90 and start doing deals on the XC90.

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