Eh rate is eh...its just I dont really need a 300-400$ additional month payment if something shittastic happens... like if we do loose our jobs (both education, so unlikely...but well...this entire thing is stupid) - we have 2-3 months cash in bank - so while before I was like, sure toss 4-6k down to lower my monthly just for convenience and put that back into savings over a few months. However now I do not want to touch the cash.
My local credit union is 2.9-3.5% my experian is 798 and should go back over 800 proper next update, no idea the other 2 "real" credit numbers - my creditkarma is like 825+.
Jan and early Feb Volvo was offering any CPO car a rate of 0.9% - currently they are just offering 0.9% on the S90 CPO's that are 2018-2020..."until March 31st" so I am going to wait to see what the next offering is- if it matches the vehicle I want or back to the any CPO @ that rate.
I was thinking I may just call Volvo Financial up and ask them what the next plan is, or if they are going to follow most other auto makers and have stupid crazy finance deals.
My "deal" is mostly on straight up price- not just the financing part... sure financing cant be insane lol.
I annoy most car dealers because I will come in looking at a XC60 @ 18k that I want for 15k or a XC90 @ 29k I want for 26k... they are like "How about this XC60 with more miles and less features for 14k! that meets your budget!" no- my "budget" depends on the car lol -I do not shop by monthly payment.. sure any dealer can get me into SOMETHING for almost any X per month price...
Then the "where did you get that price!" - from a buncha forum price paid posts, and research on car prices throughout all venues and nationwide, how long its been listed (or RE-listed)..why? where did you come up with your asking price?