Are you married to that exact make/model/trim? The residual and MF will vary for different engines and trims on the XC60. I’d consider looking across those to find a better residual and MF.
Deals are different every month, but my 2019 XC60 T6 AWD MOM was 57% back in August with a lower MF and better incentives. The T5 R-design may not have as much cash on the hood or another trim might have a better MF.
So:
- this is a terrible deal
- the deal or the car? What’s your preference?