Good time to finance a Porsche? Macan or Cayenne

Well, and some extra NVH added.

I see you’re trying to finance and not lease.

At this point, just get the best interest rate you can find and if the only mark up you’re getting is 500 dollars then you’re still pretty close to MSRP on a Macan.

The market I believe will be different in 3 years and the used car market values will probably be slightly above what they were before the crisis hit. I would not expect 55k to 60k value on a Macan S in over three years.

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what do you expect the value to be on the macan in 3 years? i anticipate the car having around 15k miles in 3 years.

Personally? I think somewhere high 40k’s is realistic looking at what 3-year old Macan prices at retail in 2020 before the crisis really hit home. Higher mileage Macans were in the low 40k’s with some in the high 30s.

I think the big issue is that Macan is a high volume seller (relatively) for Porsche. It’s the most popular model. I think the depreciation curve on the Macans tends to level off around 3 to 4 years of age and unless you put a ton of mileage they shouldn’t go down much further. (6-year old Macans with over 80k miles were going for mid 20k’s, for example)

Of course… I can be 100% wrong and Macans can still be worth 60k after 3 years. I’m just a stranger on the internet with no stake in your money.

you’re right. I wonder if it makes a difference between base / s /gts. I would assume the rarer versions might have a little more residual. but i could be wrong. I know nothing about macans. Just that they seem like pretty fun cars.

GTS/Turbo cars retain value pretty well compared to S and Base. I think Base might actually have better overall residual over S due to having lower MSRPs and the point of entry for them being lower than an S.

The majority of the used car buying public is going to lump the S in with the X3 M40i and SQ5 crowd and that’s why I think the S values are going to be lower. Many think the Macan S is just a Porsche-badged SQ5 just to make an SQ5 more expensive, but there’s obviously more to it. Truth doesn’t matter here, only market perception.

For what it’s worth, Porsche sees the primary market for the Macan being executives and CEO’s making 400k+ a year. There is no real value to be had here and I don’t think Porsche really cares about its market performance.

Macans are phenomenal crossovers, but I do not think a Porsche Macan/Cayenne is the “value” buy if trying to get into a performance luxury car. I don’t think any performance luxury cars are value buys. I understand your logic in trying to mitigate as much money loss as possible given your preferences, but I think that if your concern is “residual values” on a car like this then it simply isn’t the car for you in the first place.

Purely an emotional buy for rich people.

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I have noticed a general trend that the GTS holds its value the best as a percentage, granted it has the right options, followed by the S and then base. The Turbo seems to do the worst.

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Great summary and thanks for sharing your thoughts. I think you’re pretty spot on with the analysis and I pretty much agree with all of your points. The demo from my experience is pretty accurate as well.
That said A lot of leashackers, I think, can afford these vehicles, but are trying to optimize their spend and get the best deal possible. At least that’s my position.
My justification is the best value for the tier. I suppose in this case it’s the performance/luxury 60-80 range and Tortola cost of ownership. The vehicles in this tier on my short list are: mdx type s, macan s, x3m, glc 63. I crossed out the latter two as they are marked way up and there’s no chance at msrp. And the extended wait is a factor as the longer I wait the more I lose from my current car, which I think will drop precipitously( fell 5k from 1/1 to now)
However you are correct. My heart says go with macan, but perhaps I should just wait for my trd pro to get allocated. Haha.

If you can afford it, then follow your heart. If the money factor bothers you this much then wait for the TRD. I think it comes down to this.

I’ve been down this path many times before, myself. Just don’t live with regret.

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OP: my mom wants a Cayenne

Forum: they’re retiring. Get a Kia. It’s the best bang for your buck

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Maybe not the best bang for buck anymore… they’re all marked up and segment beaters.

Maybe a Frontier or 4XE instead?

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That’s not what they said at all. They want something nice. Literally any comparable car class for class will probably be a better value than equivalent Porsche. No one gets a Porsche for value.

If anything it’s the opposite where I think OP is the one who wants a Porsche

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Question on some charges here. Does this processing fee look legit?

The only car not to get is the 21 Macan S but there weren’t many of them anyways. The Macan turned out to be too small for us so we ordered a X545e but who knows how long that will take.

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Fees look standard. Not sure what your tax rate is I would venture to guess it will cost you less than 1000 a month to own this for first 3 years insurance not withstanding. Just do it!

I got the same fee when I built my configuration on the Porsche USA website. Should be legit as long as it’s not already included in the retail price above.

That is the destination fee, which is the average cost of transporting a new Porsche to a dealer in the U.S. Every car has it added to the total base price with options to get the MSRP.

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I disagree that the frontier is the best bang for your buck. Monthly cash flow on a rather short term basis alone, sure, absolutely. Otherwise, we can only theorize what the value of those trucks will be, let alone what this market will be in 18-24 months from now.

I’m still confused as to why we are even discussing Porsche if saving money and value are included in this thread. I’m a diehard Porsche fan, for the record. Again, they’re not value vehicles and they never will be. Porsche doesn’t need to offer coupon clippings.

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Which means the title should be updated: “When IS a good time to finance a Porsche?”

It appears his parents, or at least his mother, is in the market for a luxury suv, so suggesting a Honda or Toyota or Hyundai is not relevant.

Maybe OP is trying to justify what they want but in my opinion, it’s not necessary. They’re retiring and if they’re doing ok financially…. if they want the car, they want the car