Signed: 2025.5 Volvo XC90 T8 Plus 7p, 24mo/12k, $696/mo, $696 DAS

Signed Deals & Tips
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MSRP: $78,805
Selling Price: $68,854 (12.63% off)

  • Acquisition fee: $950
  • Dealer fee: $899
  • Gov’t fees: $335

Gross Cap Cost: $71,084
Rebates: 14,080
Adjusted Cap Cost: $57,004

Residual: $50,435 (64%)

Depreciation: $6,569
Rent Charge: $8,973

Term: 24mo / 12k miles

Base Rate: $647.60
Tax: $48.57 (7.5%)
Total Monthly Payment: $696.17

DAS: $696.17 (first month payment)

I’m fairly happy with this deal, but a little confused with what the dealer did at the 11th hour. We had our kids with us and the payment was in line with what I expected so didn’t sweat the details.

We had agreed on $15,000 in rebates ($14,000 taxed and $1,000 dealer cash untaxed using LH Rate Finder) and it looks like only $14,080 was applied towards cap cost reduction.

Then the rent charge seems higher than the 0.00335 that we agreed to using what was provided by Rate Finder. To match the contract doc, it would imply a rate of 0.00348 in the LeaseHackr calculator. This assumes capitalized taxes not rolled into the payment which they were so wondering if they just applied their dealer cash on the back end to cover this?

At any rate, seems like a good deal overall on a vehicle we love. The leasehackr score falls in the 9.5-10 range depending on where you tinker with the levers around $696 a month. Hope others find this helpful.

4 Likes
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All that matters, congrats on the deal!

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That’s about $50 better than I have been able to get for 24/10 without MSDs (for a 6 seater with 9% monthly tax and $12750 in rebates (I don’t have conquest or the FWD to AWD available to me)). And I’m not sure how you’re getting to that “rebate” figure. It’s an odd number. It should equate to the incentives that exist. Seems like something fishy in there. Then again, I have been told that black interior is cheaper than the cardamom (by $50/mo.), which also seems like BS.

4

Don’t sweat the details. You got your monthly and your Total Cost of Ownership. That’s what matters at the end of the day. As long as I get what I want payment wise, I’ll let the dealer structure the deal however they like as long as it funds.

5

Hi - can you share what the rebate breakdown is?

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Rebate Breakdown

$7500 - EV

$2000 - Lease allowance

$2250 - SR loyalty

$1250 - Costco executive

$1000 - Safely Summer

$1000 - Dealer cash (VCFS lease bonus)

I’d highly recommend paying for the Rate Finder function on this site. Super easy and helpful to know what you can qualify for and what pricing is more fair to you as a consumer.

1 Like
7

Thank you. Nice deal.