Got the following quote from a dealer in the Philadelphia area.
MSRP = $42,455
Sale price = $38,379
Dealer incentive = 1500
Conquest= $1K
Drive off = Zero
36 month/12k miles
417.00, includes tax
MF = .00069
Residual = 59%
417 a month (tax included) sign and drive.
My sister last mont got an EX-L in NJ for $370 with $370 due at signing. Not sure what the deal looked like but that was the final price. She was also eligible for loyalty.
That and cars, houses, etc. except probable for the debt still on the books. That’s solely remains in your possession like a down payment that’s gone when it is considered a total loss.