Deal Check: 2025 Land Rover Discovery P360 Dynamic SE

Ask the Hackrs
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1

First time dealing with Land Rover. They seem very inflexible on MF mark-up, residual, and the discount. The below doesn’t seem like a good “deal” per se, but if I want this vehicle, is this the best I can do from LR?

Year/Make/Model/Trim: 2025 Land Rover Discovery P360 Dynamic SE
MSRP: $78,418
Selling Price (pre-incentive): $73,668 ($4,750 off ≈ 6.1%)
Dealer Add-ons (capitalized): Stargard $1,995 + Clearshield $995 = $2,990 (installed)
Effective Discount (after add-ons): $1,760 (≈ 2.2% net)
Incentives/Rebates: None shown
Term / Miles: 36 months / 12,000 mi/yr
Residual: $37,641 (≈ 48% of MSRP)
Money Factor: 0.00130 (dealer states as used)
Acquisition Fee: $1,075 (capitalized)
Doc Fee: $85 (CA)
DMV / e-file / tire: On worksheet (amounts not clearly broken out)
Tax Rate: 7.75%
Cap Cost Reduction: $0 (no down)
Adjusted Cap Cost (est.): ~$78,512 (selling price – discount + add-ons + acq + misc. fees capitalized; back-solved from payment)
Monthly Payment: ~$1,386/mo with tax (≈ $1,286/mo pre-tax)
Due at Signing (DAS): Appears to be first payment + DMV/fees (no cap-down) — dealer to confirm exact breakdown
Region/Dealer: Southern CA

Notes for LH crowd: Add-ons are already on the vehicle and fully capitalized (no residual value), effectively reducing the discount from 6.1% to ~2.2%. Looking for feedback on (a) removing/crediting the $2,990 add-ons, and/or (b) realistic pre-incentive targets on remaining 2025 Discoveries to get closer to ~$1,200/mo at MF .00130 / RV 48%.

2

A pay to play brand…make offers to dealers all over the West/country.

3

That’s the conclusion I’m coming to…

4

Find another dealer. In no world should a Discovery be priced that high. Unless you are married to this car, I would explore much better options within your budget like the BMW X7 or Mercedes GLS. $1386/month is RRS territory.

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5

There’s no way in hell anyone should pay $1,200 for a friggin’ Disco

If that’s the only car you’re willing to drive then negotiate a better discount than 2% and buy it.

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6

Have you researched the LH Marketplace and reached out to a broker or two in there? Once you filter by CA and Land Rover a few pop up.

It would be worth seeing how far a broker can improve the deal…I suspect it’s still going to be a rough lease. What are CPO ones going for on a finance?

The residual is set by the lessor and is tied to term you selected ( 36 months / 10k miles ) for example. The dealer doesn’t have flexibility on the RV.

7

That’s a great idea. I have not tried that yet.

8

As mentioned above, Land Rover is a pay to play brand. For that payment you might as well just finance the vehicle. Either purchase it or move on to something else, because that’s not an attractive lease.

9

For a disco, I’d highly recommend buying a 2-3 year old low mileage CPO for half off orig MSRP.

It’s not worth trying to lease a new one.

2 Likes
10

This is 100% the correct move for a Discovery

11

In addition to what everyone else has written, the RV is set by the bank and is never negotiable.