Yeah in all honesty wish I thought of this earlier because I was just happy with my $1k below invoice from a CA dealer plus they had the aftermarket parts I wanted so it was super convenient to me and time is money as well, so I don't mind a premium to get what I want when I want without dealing with the hassle. The $800 or so I might have lost in money factor over the years cancels of with the 10 minutes I only spent at the dealer. I think if the dealer was at MSRP or something then I would've haggled the money factor insteadI would demand that they provide you with the final deal sheet. If you are leasing, the standard CCAP lease money factor for May should be .00203. Also, CCAP is waiving the acquisition fee on the 4xe. I've they try to charge you a higher money factor or charge for the AF, you should question it. Their strategy seems to be to get you in the dealership where most people will just take whatever BS they throw at them since you're often stuck at that point. I had a horrible experience with them trying to change my deal at the 11th hour. Good luck and I would get it all handled before you walk through their doors!