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Volvo S40 Prices Paid and Buying Experience



  • jhs70jhs70 Posts: 213
    I don't know anything about leasing but just doing the simple math tells me you are spending 249x27=6723+1000down=7723. Then paying 18k at the end would put the cost at 25723. Assuming no mileage penalties, and then adding in TTL, this seems a rather expensive proposition. A straight "buy" would be cheaper. But I guess that's the price you pay to walk away after 27 months, right?
    Don't blast me, I'm just trying to understand....
  • gregory3gregory3 Posts: 7
    You make a valid Point.

    A. Still need TTL if you purchase correct?

    B. If we apply the same down ($1000) and I negotiate purchase price of 24500 ($4,000 off MSRP), I will still need to finance 23500. I think the finance charges of the first 2 years to be over $2000 alone. Also I calculate the monthly payments at $470 (4.9% 60 months).

    If I lease and then buy (using the offer mentioned earlier with no additional negotiating), I'm looking at a total 25500 (1000 down also includes first month). (1000 more than if I purchase from the get go, but with finance charges it is actually less. (yeah, we will need to finance 18k or so if we buy it, but we also have the option of turning it (assuming we are not over milage etc...)..

    So in the end, to me it doesn't look like leasing is any more than buying, (in fact possibly less)..

    Does this make sense? Is my logic correct? I haven't leased before so this would be my first time.
  • jhs70jhs70 Posts: 213
    I think I can answer your first question -- yes, TTL apply. There are ALWAYS taxes, titling, and tag fees.

    I cannot answer or comment on your other issues -- I simply don't know enough about it. There are leasing forums in Edmunds. Perhaps you should take the question there if you want to get some opinions.

    In the end, if you have an accountant, or someone who can advise you things financial, you should ask him/her (I'm not rich enough to have one of those).

    Good luck.

  • sandman46sandman46 Posts: 1,798
    Folks, just a general question about the seat comfort. I had a bad truck accident last year and my neck and back were effected and I'm looking to buy a car which is back & neck friendly and where I can manipulate the driving position depending on the pain level. I've heard from friends that the cloth seating surfaces in the S40 are quite comfortable and the seats are very back friendly. Is this true?
    Any help with this question would be greatly appreciated. We already have a Mazda3, which is the same body as the S40 and I prefer that size. Any help would be greatly appreciated. Might want to buy as early as this coming August with the end of year models.

    The Sandman :sick:
  • gregory3gregory3 Posts: 7
    I went to the dealer and basically said that you can get the car for $22,000 (MSRP of 30k (which I really think is 28k but somehow the dealer was showing my how it calculated to 30k), but this deal is only good for a lease and not available to buy the car for that price (which sounds a little fishy to me).
    Anyway, that's all... Thanks again for your response.

  • Don't do it. It's to small for a man I THINK. It should have been made just for women. :)
  • sandman46sandman46 Posts: 1,798
    Funny, our Mazda 3 is the same body as the S40 and we all fit fine in there. The seats are very hard for me, but I hardly ever drive the wife's ride since my accident. But if the S40 seats are as good as I've heard, that might just be the way to go for me. And I know it'll fit on my side of the garage. I only drive about 9k miles a year, and that's with the kids also using the car, so it'll take me at least 5 years to even get up to 50k miles.
    What kind of warranty does the S40 have now? Hopefully it's longer than the 3/36 on most brands. Our 3 has a 4/50 but Mazda went back to the 3/36 for 2007 I've heard in the Mazda 3 Forum.

    The Sandman :)
  • moo1moo1 Posts: 7
    I was just at a Volvo dealer looking at S40s. The salesman said that Volvo is no longer shipping 06s thus the only units he could offer were on the lot or could be traded from other dealers. He said 07s would come out in the fall, like Sep. This is the first I have heard this. Is there truth to this or is this some kind of sales tactic?

    By the way, does anyone have a manual that is unhappy with foot space? Seemed like not much space to maneuver your feet around when I first got in but was okay when I drove it.
  • I've had an S40 T5 for about 3 months now. It has a manual transmission, and I have noticed that foot space is tight. I'm very average-5'10, size 10 shoes, and with certain shoes, it's annoying trying to negotiate the pedals. I have wondered what people with big feet and big shoes would do. It would not be a deal breaker for me, but I would make a point of putting on some wide shoes and going through the motions of using the pedals. You may find that it would be too annoying. If you drive very aggressively, it may be downright dangerous.
  • john_dohjohn_doh Posts: 2
    moo1 - i don't think it's a sales tactic. i went to one dealer here in the sf bay area and wanted specific options on a s40 t5, and they couldn't locate one and said they couldn't order one, as it is the end of the build year. i went to another dealership and first was told they couldn't do it either. after they made a call to the regional manager, who has access to special order vehicles remaining region wide, he was able to locate 2 still being held for a los angeles dealership with 3 days left to use them. this was on 3/28. i was able to place a specific order for one of the last 06 models and it is en route, due to arrive during the first week of june.
  • First I'd like to say how awesome Edmunds and this forum is. Now that I'm done buttering you up.

    Can someone give me the actual A1 Credit Money Factor (I think there is a special offer right now) and Residual on a 36 month, 15k miles a year lease;

    1) 2006 S40 T5 (fwd not awd)

    2) 2006 S40 2.4I (Select, Sport Packages if that matters)

    3) Can you residualize the spoiler/body cladding? (Since its a dealer add on?)


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  • iloveiriloveir Posts: 1
    I was quoted $25,743 on a brand new '06 S40 2.4i Automatic, Barents Blue with Select and Climate packages. I need to close this deal quickly...Is this a reasonable offer or should we try to get it lower? Thanks!
  • I got the same offer....I'm also wondering if I should close the deal...
  • mdidmdid Posts: 13
    I have a 2005 S40 T5 manual awd. A lot of people on this forum have complained about the foot room in the car, and I have my own issues with it, but in a way that seems to be different from the other complaints. I'm 6'1" with size 10.5 feet. I don't have any problems with the pedals being too close to each other, even while wearing boots. The issue I have is that if my foot is too upright when I go from the gas to the brake, I will occasionally catch my toe on the underside of the dashboard. It is very disconcerting when it happens, but I've learned to adjust my positioning so it hardly ever occurs. It is the only complaint I have about the car -- otherwise I'm very happy with it.
  • bivouac1bivouac1 Posts: 9
    Sounds like a GREAT deal. I have the same car, worked like a MADMAN to get it for 27,000 last September.
  • shinzwaishinzwai Posts: 3
    Hello all,

    I just wanted to share the deal I just got with everyone for your information. I just leased a 2006 Volvo 2.4i with leather, the Select package and an automatic transmission for a total of $584 down and $353 per month including tax and gap insurance. This took place in West Palm Beach.

    The down payment was basically the first month's payment and the security deposit.

    Good luck to you all,

  • cleve2cleve2 Posts: 4

    Just wanted to share my great purchasing experience and deal made at Fremont Volvo (SF Bay Area).

    We just purchased a new '06 S40 2.4i, flint gray, automatic, select package, sport package, and leather seats for $24K (MSRP $30K). We had two dealers offer us $6K off MSRP, but this dealership made the entire deal over the internet/phone AND gave me a great deal on my trade. Also, their internet sales person was very professional and a true pleasure to deal with.

    Thanks to everyone for the information being shared here.
  • artin76artin76 Posts: 2
    hi chris could u give me this palm beach web address or phone number please,thank you
  • artin76artin76 Posts: 2
    hi i want a lease volvo S40 automatic, does any one know from where i can get good deal i live in los angeles,ca thank you.
  • apm4apm4 Posts: 4
    Ok...I have spoken with the Volvo dealer and gotten some numbers. I would very much appreciate it if I could have some feedback.

    I am turning in a 2003 Saturn L200 and hope to get roughly $8000 dollars. The buyout is 10,000 so this leaves me 2000 dollars in the negative. The dealer told me Volvo switched the incentive this week and that it is no longer 4,000 dollars through a private bank but only 3,000 dollars and through the volvo financial......

    So I will be up only 1,000 dollars because of the trade in taking away from the incentive. I plan on putting another 1000 dollars down.....SO these are the numbers:

    36-month lease. Market Value of car is 24,735. I will be given a 1000 dollar incentive and putting 1000 dollars down therefore the car will have a cap cost of 22735 roughly. The money factor given was .00091 and the Residual Factor was 53. The monthly payment offered is 363.00 dollars.

    Can somebody please tell me if this a good deal, makes sense, or if I should be negotiating more. I am new at this lease game and have tried the calculations out. Some guidance would be greatly appreciated. Thanks.

    PS...I am from NY and the sales tax is 8.75 if that also makes a difference...thanks again.
  • kyfdxkyfdx Posts: 64,772

    You may include the dealership name, city and state in your post. Please do not post names of salespeople, telephone numbers, email addresses, or other contact information.


    Prices Paid, Lease Questions, SUVs

  • donthegreekdonthegreek Posts: 127 06 S40 2.4i sticker is $29,498 how much should i try to get the dealer to knock off sticker? I'm in North central Pa!
    When do the 07's start arriving on the lots, might be able to do better when the 07's start shipping...

  • I'm new to haggling, how'd you get all the way down there!? Did you make the offer, etc?
  • cleve2cleve2 Posts: 4
    There was very little haggling.

    We found that every dealer was offering a different Volvo incentive. One dealership was $4K off, then another at$5K off. We left the $5K dealership to discuss further and they called us the next morning and said the incentives just changed and now the car was $6K off (6/7/06). But, they wanted me to roll over $2K on my trade so we shopped the same price via email to the internet manager at another dealership. He responded quickly and made the deal without seeing the trade or us.

    Hope this helps. Good luck!
  • _elle__elle_ Posts: 6
    I just bought my brand new 2006 s40 2.4i with a 5-speed manual tranny on Memorial Day. Got a great deal on it, $19,989, at Dick Dyer Mercedes-Benz/Volvo in Columbia, South Carolina. The salespeople were very friendly and so far, I've been very pleased with my purchase. When I was shopping around for the best price, my dad called up a dealership in Georgia where he had purchased 2 Volvos in the past and the best they could offer him was $22,000.
    Since Memorial Day, my little Swede has made it through the daily commute and a 1,000 mile road trip with no problems!
  • donthegreekdonthegreek Posts: 127
    _elle_ what was sticker????

    I'm looking at a S40, sticker is $29.498...besides the $3,000 rebate, how much more can i expect to have the dealer knock off???

  • _elle__elle_ Posts: 6

    Mine was an absolute base model and the sticker was $24,450.00. So I'm not sure how much you could get your dealer to take off the S40 you are wanting to buy. Have you checked the TMV of the S40 you are looking at on

    Hope this helps!
  • donthegreekdonthegreek Posts: 127
    Thanks elle,
    Been looking around, i'm seeing $4800 off right now which sounds pretty good, going to wait till late july, and see if it gets any better. :)
  • marksnarkmarksnark Posts: 2
    Any feedback on buying a New 2005 VS New 2006? Any problems with a 2005 that it should be avoided?

    Bellingham WA area dealer has a New (125 miles) 2005 S40 T5 AWD as follows-
    Audio package-S
    Climate Package
    Convenience Package
    Bi-Xenon Headlights
    Power Glass Sunroof
    Automatic T-tec upholstery - not leather

    It is passion red with Quartz beige interior.

    Dealer Invoice $31,574

    Dealer is Asking for $27,950. Have not had any further negotiating.

    Any thoughts?

  • donthegreekdonthegreek Posts: 127
    Marksnark...lousy deal in my opinion....

    darcars in Rockville,md are knocking $5,230.00 off all their new 06 S40's regardless of sticker. Your deal is only $500 more for an 05!! not good enough in my opinion.

    In my opinion, an 05 should be several thousand dollars more off.
This discussion has been closed.