# Almost Signed: 2020 Volvo XC40 T5 Momentum - Sticker: $43,465, Payment: $380 w/ $1000 DAS (PA) **URL:** \ **Category:** Ask the Hackrs\ **Tags:** suv, volvo\ **Created:** [May 7, 2020, 5:17pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401 "2020-05-07T17:17:41Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 5:17pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/1 "2020-05-07T17:17:41Z")
Hope this finds you all doing well and safe. For your consideration/evaluation/information… Here is where I am currently on a 2020 Volvo XC40 T5 Momentum. No MSD’s, just $1000 DAS Year: 2020 Make: Volvo Model: XC40 Trim: T5 Momentum (w/ convenience package, 19" wheels, premium package, moonroof, heated seats and steering wheel, etc.) MSRP: $ 43,465 Selling Price: $ 34,472 Monthly Payment: $ 380 Drive-Off Amount: $ 1000 Months: 36 Annual Mileage: 10,000 MF: 0.00088 (I THINK…?) Residual: 57% Incentives: Costco ($1250), Medical Professional ($2000). Region: mid-Atlantic (Philadelphia suburbs) Leasehackr Score: 9.6 yrs Leasehackr Calculator Link: > **[Leasehackr Calculator — LEASEHACKR](https://leasehackr.com/calculator?make=Volvo&miles=10000&msd=0&msrp=43465&sales_price=34472&months=36&mf=.00088&dp=0&dealer_fee=389&acq_fee=995&taxed_inc=0&untaxed_inc=0&rebate=0&resP=57®_fee=178&sales_tax=9&demo_mileage=0&memo=&monthlyTax_radio=true)** > > Leasehackr Calculator lets you estimate and share your lease numbers. It integrates available Multiple Security Deposit (MSD) and money factor discount programs. Its benchmark Leasehackr Score enables you to evaluate your deal. Thanks! ---
**Author:** ![dabeags](https://leasehackr.b-cdn.net/letter_avatar/dabeags/32/5_5575768a8748004e209b776fc1b2916d.png) [@dabeags](https://forum.leasehackr.com/u/dabeags)\ **Post date:** [May 7, 2020, 5:27pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/2 "2020-05-07T17:27:14Z")
Did you even check the marketplace? NYClife has has XC40 Inscription for less than your deal on his sheet. > **[NYCLIFE MAY DEALS](https://docs.google.com/spreadsheets/d/1pWmLMPm_ICRZKMmvsTrm8RwPzeztfPb0owTvbdoWmZk/edit#gid=0)** > > VOLVO NEW > > Incentive Info: > NYCLIFE NY/NJ/PA/CT DEALS:,If you are a Costco Member you are entitled to a $1250 rebate for most cars or $2000 for rebate for wagons > Please PM "Nyclife", on leasehackr,If you are a First Responder/Medical... ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 5:33pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/3 "2020-05-07T17:33:38Z")
His sheet showed monthly before tax. This was all-in w/ tax. Furthermore, based on what I could see, my leasehackr score was higher (9.4 vs. my 9.6). You may be right, but we might also be right around the same once you equip it the same way, etc. Furthermore, NYCLife did MSD’s, this is purely $1000 due at signing, no MSD’s. My discount off of sticker was also higher (16.1% vs. my 20.7%) ---
**Author:** ![bdemps2241](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/bdemps2241/32/50788_2.png) [@bdemps2241](https://forum.leasehackr.com/u/bdemps2241)\ **Post date:** [May 7, 2020, 5:36pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/4 "2020-05-07T17:36:04Z")
> [@leaselife](#): > > His sheet showed monthly before tax And full MSDs. Still should be able to beat $380/mo with $1k up front since you have Costco and Medical. ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 5:37pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/6 "2020-05-07T17:37:21Z")
Perhaps, but overall, I think I did well as compared to NYCLife (especially without being a “pro” shopper, though I’m not too bad usually). ---
**Author:** ![bdemps2241](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/bdemps2241/32/50788_2.png) [@bdemps2241](https://forum.leasehackr.com/u/bdemps2241)\ **Post date:** [May 7, 2020, 5:42pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/7 "2020-05-07T17:42:29Z")
Yup don’t think anyone is saying it’s a bad deal or you did anything wrong. I don’t think there will ever be a “deal check” post on this site where someone doesn’t say there is still meat on the bone. If you are happy with that monthly for the car you are getting, do it! ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 5:50pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/8 "2020-05-07T17:50:06Z")
I agree! However, I wasn’t talking ill at that comment by @dabeags. Rather, I wanted to make sure I was comparing an apples to apples deal to determine IF there was still meat on the bones with the deal structured in the way I have it. ---
**Author:** ![TonyTheTiger](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/tonythetiger/32/53504_2.png) [@TonyTheTiger](https://forum.leasehackr.com/u/TonyTheTiger)\ **Post date:** [May 7, 2020, 5:51pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/9 "2020-05-07T17:51:57Z")
The MF you have in the calculator is incorrect. .00088 is the correct base MF on XC40 according to all of the broker calculator links. ---
**Author:** ![nyclife](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/nyclife/32/40724_2.png) [@nyclife](https://forum.leasehackr.com/u/nyclife)\ **Post date:** [May 7, 2020, 5:52pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/10 "2020-05-07T17:52:36Z")
Keeping everything the same I’d roughly be $50 per month less on the same car. ---
**Author:** ![TonyTheTiger](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/tonythetiger/32/53504_2.png) [@TonyTheTiger](https://forum.leasehackr.com/u/TonyTheTiger)\ **Post date:** [May 7, 2020, 5:53pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/11 "2020-05-07T17:53:03Z")
PA tax on leased cars is also 9% and not 6% IIRC ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 5:54pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/12 "2020-05-07T17:54:16Z")
Thanks, I updated the MF and the tax. ---
**Author:** ![Blackvtec01](https://leasehackr.b-cdn.net/letter_avatar/blackvtec01/32/5_5575768a8748004e209b776fc1b2916d.png) [@Blackvtec01](https://forum.leasehackr.com/u/Blackvtec01)\ **Post date:** [May 7, 2020, 5:55pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/13 "2020-05-07T17:55:17Z")
Combined with Costco and medical, you could def be in an inscription less than this with @nyclife ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 5:55pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/14 "2020-05-07T17:55:59Z")
Plus your fee and shipping it to Philly area? Again, not complaining, I’m asking! I haven’t signed the dotted line on the deal yet! ---
**Author:** ![TonyTheTiger](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/tonythetiger/32/53504_2.png) [@TonyTheTiger](https://forum.leasehackr.com/u/TonyTheTiger)\ **Post date:** [May 7, 2020, 5:57pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/15 "2020-05-07T17:57:06Z")
His fee and shipping aren’t going to add up to $1800. Why not PM him and get some concrete numbers? ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 5:58pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/16 "2020-05-07T17:58:43Z")
just did. 😉 ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [May 7, 2020, 6:16pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/17 "2020-05-07T18:16:24Z")
You selling price isn’t $34472. Step back and start by getting rv/mf/incentives on this from edmunds. ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 6:18pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/18 "2020-05-07T18:18:36Z")
This was the residual and money factor from the dealership, and the Broker on here used the same numbers. It must be an incentives thing? ---
**Author:** ![leaselife](https://leasehackr.b-cdn.net/letter_avatar/leaselife/32/5_5575768a8748004e209b776fc1b2916d.png) [@leaselife](https://forum.leasehackr.com/u/leaselife)\ **Post date:** [May 7, 2020, 6:19pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/19 "2020-05-07T18:19:17Z")
do i put the “sales price” from the quote sheet or do i use either the “gross cap cost” or “net cap cost” in that spot of the calculator? ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [May 7, 2020, 6:19pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/20 "2020-05-07T18:19:46Z")
You should always start by getting rv/mf/incentives. Having the brokers confirm that you have the mf right is good, but never rely on the numbers the dealer gives you. Always independently verify. ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [May 7, 2020, 6:21pm UTC](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401/21 "2020-05-07T18:21:02Z")
The sales price they’re giving you has all the incentives rolled in. You need the price before incentives. That requires knowing ALL the incentives (which generally is more than just the costco/first responder additional incentives). This allows you to properly compare against other deals and to make sure that tax is being properly calculated in your calculator. [Next page](https://forum.leasehackr.com/t/almost-signed-2020-volvo-xc40-t5-momentum-sticker-43-465-payment-380-w-1000-das-pa/251401.md?page=2)