Are doc fees/acquisition fees avoidable? why do i have a cap cost reduction item of $500, i said no money down

[jeisensc]

@wam22

@RVguy

Anything added on at the port or dealer is not (usually) contained on the window sticker or the VIN data.

You are correct that anything installed at the dealer does not affect the residual, but port installed accessories are usually factored into the residual since they are considered factory options.

Like so many things with hypothicals, it depends. There are no absolutes

@RVguy

The reason for this is because dealer installed options are not trackable in the auction data lenders use to set RVs. Auction data is aggregated by VIN and the most granular set of data at the VIN level is the build data from the factory. Anything added on at the port or dealer is not (usually) contained on the window sticker or the VIN data.

If it’s on the Monroney, it can usually be residualized (IIRC bmw has a cap on wheels and how much can be capitalized).

For imports that come through a port, who have port options, are allowed to generate a new Monroney before it’s allocated, the captives usually allow those to be residuized.

@RVguy

Subaru is the one exception where several of their factory options are installed at the port and listed on the

Only J VINs AFAIK with Chase, not the 1 VINs, correct? Mazda also allowed this when Chase was captive, not certain since they switched to TFS.

@spockvr6

There have been a few times where I would have loved to have had a few dealer installed accessories put on the car before I picked it up (factory GM Performance/Toyota TRD/BMW Performance type stuff )

I learned not long ago from @Cody_Carter that Toyota allows some dealer-installed accessories be residualized. So you probably could have in that instance.

I just walked through an example of this the other day, where we also rehashed what can be residualized/amoritized:

Signed: Acura MDX FWD Base $330 (incl Tax), 36mo/10K, $2800 DAS

*residualized And yes, you paid full price, plus rent, divided by the term. I’ve definitely amortized some accessories in a deal, but the MF converted to under 1% The 3M was probably applied so unlikely that can be removed now. But the floormats could probably go back - not certain since it was in the deal and not purchased from parts (so is the return policy the same? Could vary dealer to dealer). If the payment didn’t change with those add-ons, they did their job and left some room in yo…

But generally means just that, ymmv (assuming you pay attention to port of entry, captive rules, etc).