Make: Volvo Model: XC-90 T8 Plus MSRP: ~78k Term: 24/10 Monthly: $280 net effective inc. 10% tax DAS: 0 (and first month waived) + Max MSDs
Heavy Trade equity involved
Tricky one to enter into signed, but this is my best attempt at the calculator showing the net effective monthly (I baked the equity in the discount line since trade equity is untaxed in my state).
While it looks like I missed costco by a day, I’m obviously very happy with this deal, and I was able to replicate for a family member who had same trade as me (with similar buyout)
Was just as shocked. Yes, the one I traded was leased with just DAS down, but that lease also ~1-2k of equity from my previous 2024 3 month old 2024 XC90 B5 lol (which was a net new lease without a trade). Yes, this is my third XC90 since August 2023
Been taking advantage of moments where I could capture “manufactured equity,” on months with strong programs to keep lowering my payment.
Was ~450 with 1st & MSDs on the B5, then ~438 to upgrade to the first T8, and now much cheaper.
With this latest deal, I’m not sure how much it was GSM somehow believing it was worth that much versus maybe thinking that’s what I wanted to see?
Personally, I think ACV is a wash, so I view this as a really large discount, but I suppose it only takes one.
I pay tax, dealer & gov fees like everyone else, but those are rolled into payment. Exception is I typically transfer plates when trading to save a few $$.
I also have been leasing from dealers with fees on the lower end.
Nothing too complicated about it. In my case I had a currently leased XC-90 with ~year before lease maturity.
The dealer was willing to pay over what the current lease buyout price was through VCFS (because they thought it was worth that much), and it was put towards the deal as additional cap cost reduction.
