You need to get a full breakdown from the dealers. You are buying in AZ- deals are not what they are in other areas (little competition). Once you get a full grasp on the deal (marked up money factor-dealer add ons etc) you will be able to know what needs improvement. Or just expand your search (LA market is close and much better in terms of deals). Or if you do not want to do the work hire a broker from here to get a vehicle.
However if you are going to do this on your own you really need to dive in and learn. The way your are going in you make a salespersons day. Blind buyers that do not know what they are doing will pay the premium you have been quoted.
If the numbers aren’t adding up you do not have all of the info (or you just have bad info). Even if you do not have loyalty you will get the lease cash. It is probably figured into the discount they gave you.
I did a calculation for you to see the current deal. The numbers could be changed (this is assuming base money factor and no dealer add ons) depending on how it is structured- but you get the idea. Your deal has a lot of room to improve, but no one will spoon feed it to you. Lots of brokers are 10% off and base rate on orders. It would be worth the fee they charge to get this service they offer.
However this is what a $2000 drive off looks at a $720 payment
Yes, if 10k is 58%, 12k should be 57% and 15k should be 55%
Of course, that still doesn’t fix the calculator, so I’m guessing either the selling price isn’t what it’s thought to be, the mf isn’t actually buy rate, or there are some other hidden add ons going on.
