Am I getting it?

I’m in Kentucky but willing to drive anywhere east of the Mississippi to pick up the right car.

I just want to see if I’ve got the right idea.

The Volvo USA site says my local dealer has the XC 90 T8 AWD with the following MSRP and lease offer: 75,096 MSRP. Lease terms: $947/36 months/10k miles per year/0 DAS.

To make an offer, I would:

  1. start with MSRP and subtract all the available savings I’m eligible for
  2. Subtract the residual value from the adjusted MSRP
  3. Divide by 36

Is that it?

My big question is that I can’t tell from the lease details if they are already including the national promotions (7,500 manufacturer and 2,500 dealer). I also can take Volvo loyalty and Costco deals (another 2,500).

Here’s the deal: “No security deposit required. Monthly payment of $947 based on $75,095 MSRP of 2025 XC90 T8 AWD Plus, includes destination charge and application of $2,000 Lease Allowances. $0 cash due at signing. Actual adjusted capitalized cost $61,716. Total of all monthly payments $34,092. Option to purchase at lease end $44,306. Lessee is responsible for excess wear and mileage over 10,000 miles/year at $0.25 / mile.”

No, that is not it. Search for the article on this website called how to calculate at least by hand or just use the calculator.

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you forgot about MF aka Interest which can basically double your payments.

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Thank you. I knew I was missing something. Or two or three somethings.

There are several brokers east of the Mississippi doing Volvo deals. Check out the marketplace and use the filters to find them. May lean in on them to avoid the headaches of dealing with a dealer.

I definitely don’t want to do this myself. Okay I’ll keep looking on marketplace. Thank you!

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That would be an absolutely horrible deal on one of these

you should save your time and use a broker who services your area. your approach to this screams that you’re about to make a dealer’s month.

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I want to use a broker; I just can’t figure out how to find one that works with Volvos and with Kentucky purchasers.

@Benedetto

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Messaged! Thank you.

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