Which Volvo XC90 Recharge Rebates can be stacked?

Leasehackr rate finder is great at giving you visibility to what VCFS promotions are available.

I had a question on which rebates are stackable. I know I am already eligible for the following rebates on XC90 T8 Recharge:

$2000 Loyalty rebate
$500 A Plan rebate
$1000 Costco Rebate
$7500 EV rebate

Question I have is on 2 other rebates that VCFS has. Those are marked in the circle in the attached picture:

Lease allowance: $1000
VCFS lease bonus: $750

Which of these two can be stacked on top of rebates I am already eligible for?

The ratefindr blocks rebates that cannot be stacked, at least most of the time. The rebates you asked about are stackable.

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All of the ones you listed
costco
loyalty
aplan
ev rebate
lease allowance
lease bonus

can all be stacked

since you are in NY you also get NYS drive clean

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Do the same rebates apply to loaners/demos with Volvo?

Yes but the miles need to be used to adjust the residual value

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I am looking at leasing a XC90 T8 ultimate.

3 year: RV : 60% , Money Factor (annual interest) : 6.6%
2 year: RV : 66% , Money Factor (annual interest) : 6.6%

So you would think it’s better to lease for 3 years. You are effectively getting 50% longer lease but your depreciation is only about 25% more.

But there is $12000 of rebate, including $7500 of subsidy. Because those amounts are fixed, in one case it’s spread over 24 months and in another case over 36 months. So you get a lot higher per month rebate over 24 months.

The net affect is that for a 2 year lease my effective per month Payment is only $30 higher than that for a 3 year lease. That seems like a small premium to pay to have the flexibility to upgrade after 2 years. That means over the course of 2 years I have paid about $720 extra and then at the end of 2 years I get to upgrade. I have never been the kind of person who sought this out but given how small of a premium that is, why not.

Just checking if I am missing anything important here.

Sometimes the shorter lease terms also yield a lower effective monthly payment.

I hate picking out cars, and would prefer to do this every three years vs. two.

I regret doing 24 months on my current car (vs. 36), even though 24 made more financial sense, because now I’m forced back into the market a year earlier than I’d like.

Perception of value varies so much from person to person. :slight_smile:

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Great point. That’s frankly the only reason why I am considering a 3 year lease.

I am really not enjoying reaching out to dealers again. Even though I knew I want to stick with XC90 and didn’t have to research again. I guess the brokers somewhat make the hassle go down.

The XC90 is on track to reach the previous generation Grand Cherokee level of dinosaur, albeit with a better starting point than an already-old platform. Does it really matter? No, since it’s still a nice car and only a 2 or 3 year lease. Something to consider, though, is that the EV version and hybrid refresh will probably be out in 2 years.

If there are state EV/CF rebates, those sometimes have a 36 month minimum. Not sure about NY.

Volvo also historically offers a 6-month pull ahead, which is optional, but there should you decide to trade early.

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I don’t believe so. I have a confirmed offer for 24 months with these rebates included

Probably passed on as cap cost reduction. For NYS in particular, there is a $500 Drive Clean rebate with a minimum term of 36 months, but must be NYS reg and NYS dealer. Not a big deal since it’s only $500–on many EV leases, 24 months makes much more sense.

These small differences (in the payments for 24 vs 36) are only meaningful if the lease itself is a good deal to begin with. Is it?

I believe it is.