rmay635703 wrote:I have an 812 credit score, my desire to sit on my ass a full day in an out of state dealership, have them change terms, try to add on crapola and then end up paying an out of state entity each month I s minimal. (Wisconsin is not a place to buy an ev)
Every car I have ever owned was bought from at least 150 miles away.
Just cause I get zero percent does not motivate me, in fact taking zero percentage loans increase load and decrease your credit score over time. I rather get the cash discount up front then earn 1% for a while.
My main frustration is that the discount is tied to some form of financing, it used to be cash talked and you could just do a quick clean sale, spending a full day filling out paperwork ruins it for me.
My only solice is that I don't buy a car often.
For obvious reasons; most of the posts here talk about leasing but not everyone wants to or has other scenarios -- mine included as was 'm635703'. As I'm waiting for a '15 VW e-Golf to be shipped to the Midwest for me (looks pristine, just over 1K miles, priced at $18K + shipping) I thought I'd give the new LEAF's one last look; having a few extra miles of range would be a bonus and many of the '16 LEAF S models are coming with the 30 kWh packs (easy to spot as they list them as S30's now); I'm also a bit confused on the $4K NMAC financing incentive; you get $4K off by financing with them at 0% interest ??? One dealer said that I'll only need to make 4 payments and then can simply pay the balance --- I don't see how this makes ANY sense to Nissan?
Still getting quotes but this one seemed OK -- Model S w/QC and a few other features (splash guards, holographic kick panels, etc.) MSRP $33,825 (includes dest. charge) -- discount down to $23,160 but that includes that odd combo NMAC incentive. As its new, I would get the $7,500 Fed Tax Credit but paying added IL sales tax, etc. so perhaps $1,500 less after my trade-in, etc. than the e-Golf. I would really like the few extra features that come with the SV level (as well as the bigger info screen, etc.) but so far have only seen MSRP of $35,476 and discount to $29,076 which would be more than I'm willing to pay.
The LEAF would be my 'stop gap' EV until the Tesla Model 3's are available -- so looking at at least 2 years possibly 2 1/2 but we'll see; all EV's depreciation levels (except Tesla) will continue to increase until some cross the 200 mile range IMO but the market will determine that.
So, has anyone opted for that NMAC finance discount and what was the outcome -- do you feel OK with your decision and/or are there things you need to watch out for? Also, what other examples of '16 SV sales and not leases have people seen?
Sadly (but not unexpected) my '12 LEAF SL w/45K miles is only worth $5K in trade; buying versus leasing gives me more options although many have said simply do a 3 year lease and avoid the 'early' Model 3's so I'll be crunching a few numbers on that as well.