Signed a new 2026 Audi RS3
Mythos Black metallic/Black With Express Red Stitching; Dynamic plus package, RS design package — Red & Sport exhaust system with black tips
So-Cal (Orange County)
MSRP: 75,290
Selling Price: 67,761 (10% dealer discount)
No other rebates
Down Payment: 5,000
Financed @3.24% APR, 72 months
Very good discount on a limited production car but financing it for 72 month is just a bad financial decision
Playing devils advocate as this statement is not 100% accurate. OP is borrowing at or below inflation. 2 yr treasury is over 4%. Paying cash could actually be a worse financial decision. All that said if you need 72 months to afford the payment then it’s a bad financial decision.
Yes, my HYSA has better APR than the interest rate offered on this new loan. It was not to keep the monthly below a certain value.
This is a car that leases like shit. He 100% made the better financial decision by financing, especially at that rate.
Plus he doesn’t pay all 72 months interest when he sells earlier than 6 years.