Ordered my 4xe today - Breakdown and prices

[StanleyCup99]

So some of the dealers offer a $1000 immediate rebate/incentive if you finance through Chrysler capital... but your sale price will go up $1000 if you finance through somebody else. You will also lose the $1000 (price going up by that amt) if you still finance through Chrysler capital but use a promotional APR such as the current 0.0% over 36 months. Is it just me, or does that situation just seem strange? Just kinda bugging me that it’s 0% or the $1000 rebate, not both.

For an approximate $47,000 loan at say 3%, that comes to about $2200 in interest paid over the life of the loan....assuming 0% x 36 months sticks around, going with that will cost me an extra $1000 on the sale price but doing so will save $2200 in interest at the end of the loan.

I suppose at the end of the day, nobody is selling cars to be your buddy but to make some moola..

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[DowntownTaco]

So some of the dealers offer a $1000 immediate rebate/incentive if you finance through Chrysler capital... but your sale price will go up $1000 if you finance through somebody else. You will also lose the $1000 (price going up by that amt) if you still finance through Chrysler capital but use a promotional APR such as the current 0.0% over 36 months. Is it just me, or does that situation just seem strange? Just kinda bugging me that it’s 0% or the $1000 rebate, not both.

For an approximate $47,000 loan at say 3%, that comes to about $2200 in interest paid over the life of the loan....assuming 0% x 36 months sticks around, going with that will cost me an extra $1000 on the sale price but doing so will save $2200 in interest at the end of the loan.

I suppose at the end of the day, nobody is selling cars to be your buddy but to make some moola..

I'm not seeing a $1,000 CCAP rebate on this vehicle, so it isn't a rebate, but a dealer discount. They only offer it when you set up traditional financing with them so they are allowed to make money on the finance. At a promotional APR, they have no opportunity to make the money back, so no reason to offer the $1,000...

 

[StanleyCup99]

Yah, I get it. Just a way for the dealer to make a few bucks.

maybe I’m just a fan of the old days where you got a better deal if you had some $, you had excellent credit, the dealers knew that they were going to get their money. If you didn’t have great credit then they would make more money on you via a higher APR since you are more of a financial risk.

unfortunate that some of the dealers can’t give you that incentive as well as a 0 or ultra low APR if you’re known to be “good for it”

 

[dunehole]

Can't you just take the 1k discount, and then turn around and refinance with your Credit Union/Bank as soon as the deal as done? That is what I did with a previous Ford purchase... they can't stop you from refinancing.

 

[StanleyCup99]

Can't you just take the 1k discount, and then turn around and refinance with your Credit Union/Bank as soon as the deal as done? That is what I did with a previous Ford purchase... they can't stop you from refinancing.

Yah. A good option. Will I’ll have to wait and see what happens as time of delivery approaches....and see what options are available.

 

[stickling9]

hey, saw two 4xe at a dealer at the ORIGINAL base price of 47800. I was wondering how they were so cheap MSRP and discovered that. Sooo, if anyone wants to buy one with 3K under at the starting point - here you go (Monmouth, IL)

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