The money factor was originally marked up to .00078, but they lowered the money factor to the buy rate (.00039) in exchange for my purchasing a tire and wheel protection package for 1489. Seemed like a pretty good trade off.
Does the difference in a 1.8% interest rate versus a 0.9% interest rate translate into being worth a $1,500 wheel and tire package, or about 40 dollars a month, especially given the very low mileage allotment here?
I suspect the buyrate was never in play, ie they were not going to give up their FI profit. It was going to be either MF markup or some other FI product.
The MF reduction saves about $35/mo, so essentially the tire and wheel package ended up costing about $200 total. Probably not the worst use of money, depending on how often one likes to curb wheels.