Deal Check: 2026 Volvo XC90 B6 Ultra (Loaner) – Texas

Ask the Hackrs
1

Looking for feedback on a target lease proposal for a 2026 Volvo XC90 B6 Ultra retired service loaner in North Texas:

Vehicle & Pricing Breakdown

MSRP: ~$74,500

Pre-Incentive Dealer Discount: 14% (~$10,430 off)

Adjusted Cap Cost / Selling Price: ~$64,070

Rebates / Incentives: $4,500 total ($4,000 VCFS Lease Cash + $500 Affinity/A-Plan)

Net Capitalized Cost: ~$59,570 (plus standard bank/doc fees)

Lease Terms & Financials

Term: 36 months / 10,000 miles per year

Money Factor (MF): 0.00183 (base buy rate Tier 1)

Residual Value (RV): ~58% (adjusted down slightly for loaner mileage)

Sales Tax: Texas 1.2% VCFS Lender Tax Credit (bypassing the standard 6.25% full selling price tax)

Dealer Add-ons / Markups: $0

Due at Signing: 1st month payment only (~$788)

Monthly Payment: ~$788/mo (tax included)

2

The discount itself is good but better off waiting for Costco to come back if you have it

3

+1. I suspect these will be a bit more incentivized come year end. Don’t expect Dec 2024 levels of insanity, bit they will be cheaper all things being equal.

4

Yup, Volvo is struggling as a whole.