South Florida
2025.5 XC90 T8 Plus 6 pass MSRP $79,305
My Math:
Term 24/7,500
$517 a month including 7% tax
Using ratefindr on this group, I’m coming up with $16,500 in rebates.
10.35% msrp discount (which seems to be very possible)
Max MSD
Dealer fee $899 (dealer corrected me to $989)
Tag $250
$1,800 cash due plus MSD
Dealer wont email it to me, but came back with $641 a month
$14,500 in rebates
$10k in discount
$2k DAS PLUS 1st and Tag (another $1,000)
They may be bumping the money factor. There may be dealer add ons as well. That is why it is suggested on this site to put together a target deal and make offers to dealers. If they meet your target it doesn’t matter if the bump or add on.
Probably, they deducted 2k off rebate and stuck it on discount. Still the same bottom line.
He told me my calculation is wrong and i need to click pay fees up front. I said if i click that my DAS goes up and monthly goes down. His final response was this is a loser deal and its the only color and options in the state, so take it or leave it. SMH
Its not the same bottom line, you are losing 2k if the discount in your calc is pre incentive and his is not. Regardless, come up with a target deal and if they say no, move on….
Where are you getting 10k in discount with the 16500 in rebates? Did you look at the calculator?
What is 10.35% of $79k? Maybe my math is wrong, but thats why im here asking
no, I looked at your text that didn’t specify percentage.
Also, Volvo incentives are generally direct to dealer (other than the $7500 ev), so a good chunk are normally untaxed. Chances are, they’re simply including way more than $2k of the incentives in their discount amount.
Doesn’t your calculator have 16.5k in incentives and 10% discount vs. the dealer offering 14.5k in incentives and 10k discount? Are my eyes deceiving me?
Yes my cal is 16.5 rebate and 8,200 discount VS dealer claims of 14.5 rebate and 10k discount.
Very similar in dollar amount, but not in payment amount
I agree with one of the posters that says that the dealer may be marking up your MF. I can’t figure out how dealer is getting to $641, plus more money down. Not sure what incentives you are using, but I just did a deal here in SF and did get $16k (not $16,500 like you), but my dealer only reduced MSRP by 9%. Is it possible the dealer is quoting you 12k miles/year? The government fees will be closer to about $450.
As for the money DAS, the $16,5k of incentives is taxed in Fla. (at least mine just was), so you should be paying $1,155 in upfront sales tax, your first monthly payment, and about $450 in government fees (at $517 monthly, it would be about $2,122 DAS).
Also, maybe the dealer didn’t do the MSDs - my dealer wouldn’t do them, so maybe those are taken out of the calculation.
Even making all those changes (increasing dealer fee, increasing gov’t fees, taxing all incentives, removing MSD), I still get $580/mo for you with $2,185 DAS. If you increase milage to 12k/year, it bumps up to $645/mo.
XC90 prices have been coming down. I’d say keep checking the Marketplace every day and jump on anything really appealing that pops up (possibly a one-off deal).
So as the month end nears, I’m trying to close on a deal.
My deals have ranged from 640 tax in to 750 plus tax.
My best offer is $517 (not including 7% tax)
$2,600 DAS plus $5,500 MSD (8,100 total)
MSRP $77,805 XC90 T8 plus 7 passenger.
24/7500
My current lease does not fall into Volvo 6 month pull ahead, so im being told my trade is $1,500 negative. So lets take the trade out of the down payment and call it $1,100 DAS for $517 a month, does that sound like a good deal?
31% total discount.
I dont know sale price or rebates, but calculator puts it at $25,000 in total discounts after adding dealer fee and service fee (98% of florida dealers have those BS fees)
My principal has always been monthly payment.
Dealer fee is $989
Filing fee is $395
Acquisition is $995
1st month is $550
Upfront taxes $1100
Negative equity $1,200
Its 4k in Inceptions (which sucks, but thats florida) and another 1,200 in negative equity
Effectively $660 a month which is why im asking if its good or bad.
My 2600 down is only paying half of the Inceptions
Monthly doesn’t tell you that, especially when you don’t know what incentives you qualify for.
If you want to establish what a good deal is, monthly payment is the output of a well researched target deal, not an input. You will never get a reliably answer to if something is a good deal by asking about the monthly payment.
Volvo does a big favor with 6-month Pull-Ahead instead of making all lessees wait until term like every other lessor. Why not take advantage of that when it’s available to you?
