That seems like a pretty solid deal!
I hate the idea of an ally lease, but you might be on to something
Honestly don’t know what to estimate for those. Any recommendations for like an average case scenario?
It can vary a ton state to state. Im in Fl, so i usually assume $1000 dealer fee and $400 gov.
In CA, dealer fee would be $85, but gov on one of these would be more like $900
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Are you sure about that mf? Idl doesnt stack eith the incentivized ally rates. The standard rate should be much higher.
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Yeah, that MF doesn’t look right. The Ally APR I was given by two separate dealers in DFW earlier this month was 13.4% for a 24/10 lease, which, for me, pretty much undid the difference in incentives (even though Ally had tax credits, too).
I have plenty of base 22s…
With CCAP, Bonus Cash, Returning Bonus Cash, and TDM. I am at $425/month (includes FL taxes).
Sub $400 for NJ
And this is through CCAP.
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Oof, I was literally just guessing there, maybe Ally won’t be the best option. 13.4% absolutely makes this one dead. The other option the dealer listed was Stellantis financial, maybe I’ll see how that works.
I’m running into this half blind so it very well may not work out. Just trying to see if I can grab a PHEV before the changes to the tax credit.
This is the playbook for having a bad time. Get your ducks in a row and get actual numbers to work with. The rebates on CDJR products are confusing enough to decipher and throwing in third party banks makes it even more difficult to work things out properly. Odds are that Chrysler Capital is going to have the best programs since even with the IDL cash, most third party banks will have terrible interest rates.
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If I had a good way to get a hold of Ally and Stellantis data I probably would be better prepared 
If I can’t make this Overland work with Ally or Stellantis I’m probably gonna go for a limited through CCAP
Stellantis is CCAP. Chrysler Capital is part of the Sellantis group. Those terms should be interchangeable. In the CDJR world you usually have the following choices:
Chrysler Capital
Ally
US Bank
Local Credit Unions
Miscellaneous independent leasing banks (CAL automotive, for example)
Stellantis financing is not ccap. Theyre slow rolling out their own captive bank and have separate programs.
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Ok so if what the dealer is saying is true (that Stellantis Financial qualifies for the IDL Cash) then this is a stellar deal. If the damn sales guy would send more than one text per two hours I might get answers faster…
When i have seen idl cash referenced, it specifically states it is not available with ally or stellantis incentivized rates.
Youll run into the same issue here as with Ally
That’s interesting… First I’ve heard of it! Does that mean they’re ditching Santander?
I believe that’s the intent. They’ve been talking about moving away from them and setting up their own bank for a while. It’s been starting to show up as an option over the past couple months, so sounds like they’re getting some traction finally.
Yeah I’ve gathered that much now, so Ally and Stellantis are most likely out. I have one dealership that is gonna run it through US Bank, so we’ll see how that comes out!
USBank doesn’t even offer the $7500 as an incentive
Ugh… Man there’s just no big win here!
By the way I super appreciate your help man, you’re 1000x times better than the dealerships