[ZTWsquared]

NOS2Go4Me,Nov 26 2006, 05:26 PM Wrote:I'm getting rid of our current Focus, which still has a lien against it. I don't have the whole amount by far to finish paying it out, so the dealer is. What they're offering is less than the lien, so I guess I'm re-financing accordingly. The good part is that the financing they're offering is 0%, so aside from a higher-than-usual payment for the new Focus it's business-as-usual with no extra interest accrued.
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Adam … for the purpose of comparison, below is the deal that my dealer would give you on a 2007 Focus ZX5 SES with automatic. It is based on dealer cost, plus a small profit and plus a 300 admin fee.

Obviously purchasing in Cambridge is not an option for you, but armed with these numbers you will at least have a chance to really determine how good a deal you’re being offered. Alternately, you can use these numbers to determine exactly what they are truly giving you for your trade.

You won’t find too many dealers willing to just give you this number without negotiating, but since you’re a bit upside down on your trade it’s probably worth doing, and frankly at this time of year I wouldn’t pay much more for this car.

2007 Focus ZX5 SES P36/700A
Base MSRP = 18,899
Delivery = 1,100
Air tax = 100
Auto = 1,120
TOTAL MSRP = 21,219

Less Incentives / discounts
E-bonus = (500)
Ridgehill net discount = (736)

NET ACQ COST = 19,983
GST = 1,199
PST = 1,599

TOTAL ACQ = 22,781

MONTHLY PAYMENT (60 months @ 0% PAPR) = 380 *

* For every $100 of net loan payout added to your deal, add about $1.70 per month to your payments (ie: if payout is $1000 more than your trade, then your payments would be about 397)

Good luck.