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Comments
Did they give you a selling price or adjusted CAP cost?
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Selling price
+ fees
+ tax
- rebates
- CAP reduction from upfront money
You need all those numbers to know exactly what you are paying for (and, maybe, some things you don't want to pay for).
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
That adjusted CAP cost is the number with $5000 upfront. That number will change, with less upfront.
The only thing added to the selling price is the acquisition fee to get that Gross CAP.
The rest of the charges come out of the upfront money.
After taking out the first payment, the CAP cost reduction is what's left over.
I get the same payment numbers that they do
This lets us know exactly what you are paying for the vehicle ($52063).
So, including any supposed rebates, etc, they are discounting the vehicle by $2532. (less than 5%)
That doesn't sound like a lot. Especially, if you are actually getting any sort of incentive or rebate from Infiniti.
On the plus side, no weird charges, no markup from money factor, etc, etc.
And, they've disclosed all the numbers.
Edmunds TMV expects about an 8% discount from MSRP.
That's about another $1800 off, at a minimum.
That's a difference of about $50/mo.
That's what I would shoot for, with the same terms and upfront money.
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I just got the following offer from a dealer here in Southern California. Was wondering if someone could give me some insight/comments.
2017 QX60 FWD w Premium, Premium Plus packages
Term: 39 months / 12k miles
MSRP: 49010
Selling price: 41800.73
Doc fee: 80
Acquisition fee: 700
License Fee: 363
Cap fees: 0
Cap taxes: 0
Res: 58%, MF: .00154
Monthly: $493 ($462 before tax) with 1500 down (including first payment)
Thanks!
Using your numbers, I get $451/mo before tax.
Confirm the adjusted cap cost with the dealer, and how they arrived at that number from the selling price.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Gross Cap Cost is $42,500.73
($41,800 sell price + $700 Acquisition fee)
What is the best way to approach the MF issue? If they lied at this point, is it just wise drop them and go to another dealer?
Be polite and tell them you won't sign a deal with an inflated MF. And, get other dealers involved.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
We don't have "Edmunds" numbers. We have Infiniti Financial Services numbers.
How do you handle that? Depends on how bad you want to buy a car from this dealer.
"Can you check the picture you sent me? I think you might have mistakenly looked at last month's numbers."
Or...
"How about you send another picture that shows the effective dates for those numbers, you lying crook!"
That's up to you... I think the sermon I heard today might have suggested using the first approach. Something about forgiveness, yada, yada, yada..
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MSRP: $58,840
Sale Price: $54,065 (I think they can/should do better)
Acquisition Fee: $700
Processing Fee: $699
Tax (Virginia): $2,272
Tag/License: $158.25
9 Security Deposits Totaling $7,200 ($800 x 9)
Updated MF - 0.000260
Monthly Payment: $684.88(With first month's payment due at signing)
12,000 miles per year for 36 months.
Do these numbers jive?
If the payment is under $700, why is the size of each MSD $800? Should be the payment rounded up to the next highest $50, I believe.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Are you also paying the taxes and fees up front, or adding them to the selling price?
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Even though my Infiniti lease payment was $378/mo, the MSD amount was 9 X $450.
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Thanks for any help.
What does the $1500 cover?
Without that information, we can only guess how good or bad this offer is.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
With your prices, I get $419/mo plus tax.
Your quote looks good by comparison.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
2017 QX60 AWD 12k/36 mo
MSRP - $60490
Sale price - $52190
Cap cost $52890
Taxes 5.5%
9 MSD $5850
Registration Fees - $179
Dic fee - $172
Residual - $35084
Rent charge $823
Payment monthly - $545.94
Looks really good.
How much due at signing, besides the MSDs?
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Want to run these numbers by you guys.
MSRP: $57,895
Sale Price: $51846
Adjusted Money factor (after SD): .00026
Residual based on 12,000 miles/year: 58%
VA registration with 12k miles/year
Total due at signing: $5,850 plus 1st payment
Monthly payment; $575/month
I've asked the dealer to provide a breakdown of the Drive Off amount, $5,850. It should be MSDs, Sales Tax (Virginia we pay upfront), Acquisition, Doc Fees and Registration). Am I missing anything else.
Also, I was expecting the Adjusted MF to be lower. Does this one make sense with the 9 MSDs?
Thanks a million.
Ask the dealer for the adjusted cap cost - it's likely that not all of the taxes and fees are being covered by the $5850
Assuming 39 months, your prices and numbers give me $491/mo.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
This is for a 36 month lease. Can you explaining what the Adjust Cap Cost is, if not too much trouble?
My guess is that the taxes are being added in to the selling price, thus raising your payment. Once you get the adjusted cap cost - and, how the dealer arrived at that number from the selling price - we can figure out what's going on.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
FWD .00125 and 56%
AWD .00116 and 56%
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
It seems RV is now 59%
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
2017 RWD QX60 - premium plus, and premium packages
39/12k
MSRP - $49,240
Sale price - $40,440
Due at signing - $837 (includes first month, tax, tag)
Cap cost - 42,959 (includes acquisition, theft patrol, etc)
Res - 59%
MF - .000125
Monthly pymnt - $477.90
Thanks for your help!
Looks like a solid deal.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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MSRP 52,660
Selling price 50989
Residual 30542
money factor .00146
12k miles per year
he didn't say if this was 36 or 39 months
This is a new dealership... i know i can get the selling price down,.... i want to check the math on this current price and if money factor is right?
I live in WI
He has monthly payment WITHOUT tax at $669.83
$871 due at delivery
Please let me know Thanks for the help
Find out the lease term and the adjusted cap cost. MF is marked up, as you can see.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
let me know in numbers. They are using the correct money factor
Fromyour experience do you think I can get a lower selling price ?
i can wait until next month if you think money factor will go down? Appreciate the advice.
While there is some good detail in this information, some important stuff is missing.
Ask the dealer for the adjusted cap cost and the breakdown of the up front cash. That will help us run the numbers.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige