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Ford Fusion Prices Paid and Buying Experience

225 messages,  Last post on Dec 04, 2009 at 6:57 AM

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What is this discussion about? Ford Fusion, Sedan

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#177 of 225 Re: Need Some advice on this price 09' SEL AWD [igozoomzoom] by mez4 May 22, 2009 (2:27 pm)
Replying to: igozoomzoom (May 22, 2009 1:54 pm) I did consider the $3,500 and with the 0% you are in essence using free money. It is nice to know that the entire payment will be going to principal . I plan on making an extra $1,000 paymetn each of the first 3 years to make sure If i need to trade in I can do so and not roll negative. I looked at the amortization and in 3 years without extra payments Ill owe about $14,500. Hopefully this car will hold about 50% of its value in 3 years. I only drive about 11K a year. Replies to this message: jeffyscott (May 22, 2009 4:05 pm)
#178 of 225 Re: Need Some advice on this price 09' SEL AWD [mez4] by gth743b May 22, 2009 (2:43 pm)
Replying to: mez4 (May 22, 2009 1:17 pm) I would aim for a lower price than the $29,664. That seems too high considering all the 2010's are starting to fill lots now. I think you should shoot for a target of around $26,000 with tax, title, and fees, $27,000 at most, along with the 0%. I bought a 2010 at the end of last month and ended up paying $200 less than invoice with a $500 rebate applied. (This is minus ttf, just the outright price of the car) Looking at my trade, I must have looked at something wrong, otherwise I could've gotten another $500-1000 taken off I think. But to get back to the main point, I think you could get down to $26-27k range. Replies to this message: frostbyte3964 (May 22, 2009 3:01 pm) igozoomzoom (May 22, 2009 3:37 pm)
#179 of 225 Re: Need Some advice on this price 09' SEL AWD [gth743b] by frostbyte3964 May 22, 2009 (3:01 pm)
Replying to: gth743b (May 22, 2009 2:43 pm) If you aren't going to keep the car the entire time, it is highly unlikely that the interest rate will pay off more than the $3500. I would seriously consider the $3500. Look at the interest paid for just 3 years on the car at your desired payment and I would guess it's far less than $3500. Replies to this message: igozoomzoom (May 22, 2009 3:37 pm)
#180 of 225 Re: Need Some advice on this price 09' SEL AWD [frostbyte3964] by igozoomzoom May 22, 2009 (3:37 pm)
Replying to: frostbyte3964 (May 22, 2009 3:01 pm) Three years seems to be the break-even point, where the 0% APR savings tops $3500. That's based on the assumption of 6.9% for 72 months, which may not be realistic.
#181 of 225 Re: Need Some advice on this price 09' SEL AWD [mez4] by jeffyscott May 22, 2009 (4:05 pm)
Replying to: mez4 (May 22, 2009 2:27 pm) It is nice to know that the entire payment will be going to principal   Of course reality is that you are just paying all the interest up front by giving up the $3500.   $29,664 paid over 6 years would be $412 per month. If you took the rebate, you would pay $26,164, financed at 4% for 6 years would give you a payment of $409. So the break even interest rate would be more like about 4%, depending on how much you finanace and if you pay extra as you suggested you would (which makes no sense, btw. It'd be better to put the extra cash in a money market or CD and earn a little interest).
#182 of 225 Need help on Mercury Milan AWD by njalan May 24, 2009 (6:22 am)
I am planning to buy either a 2009 or 2010 Milan AWD with most of the popular options including navigation. However, there is very little information, if any, on the Milan. I need all the help I can get from this forum.   I live in central New Jersey. What would be a good starting point of negotiation, the MSRP, Invoice or the TMV? There is $3500 cash back on the 2009 and only $1000 cash incentive on the 2010. Which one would be a better buy? What is the going price for a fully AWD, invoice less $3500 plus tax and tag for 2009, or invoice less $1000 plus tax and tag for 2010? Since most AWD cars are not hot sell cars I wonder if the selling price can go below the invoice.   Any suggestion/advice is appreciated.
#183 of 225 Sales Tax Calculation on new Fusion by fusionguy May 25, 2009 (9:34 am)
I have received quotes from 2 local dealers on a similar '09 Fusion. I was surprised that the dealers calculated the sales tax amount differently. If anyone out there would know which method is correct, I would appreciate it. Dealer 1 took my X-plan price minus the current $3500 rebate to get their final sales price, and then calculated the sales tax amount from this final price. Dealer 2 took my X-plan price and calculated the sales tax amount from it, and then subtracted the $3500 rebate. So Dealer 2 is collecting about $260 more in sales tax from me than Dealer 1. Which dealer has the correct and legal method for collecting sales tax? Thanks. Replies to this message: mitchflorida (May 25, 2009 11:27 am)
#184 of 225 Re: Sales Tax Calculation on new Fusion [fusionguy] by mitchflorida May 25, 2009 (11:27 am)
Replying to: fusionguy (May 25, 2009 9:34 am) That would depend on the state you live in. Method two is correct for Florida.
#185 of 225 Re: 2010 Fusion SE [kyfdx] by alman08 May 25, 2009 (4:39 pm)
Replying to: kyfdx (May 17, 2009 9:29 am) V4 are mostly used in motorcycles.
#186 of 225 Re: Need Some advice on this price 09' SEL AWD [mez4] by alman08 May 25, 2009 (4:49 pm)
Replying to: mez4 (May 22, 2009 1:17 pm) I hope this is not too late. When I was living in Ohio, I bought a 02 Explorer XLT V8 with 0 % down and 0% interest for 5 years. They wouldn't do much with the price and basically said it's either the special rate or the cash-back which I could put towards the downpayment. And at that time, I was thinking pretty much in line like you that it's "free money" and I took the special rate (and I didn't care back then because I had a lot more $$$ in the reserve to spend). Then I learned more, and to be honest with you... they could have sold me the car for A LOT LESS and they can sell you the car for a lot less too. Don't worry about if it's the last 09 AWD in Ohio. They can get one from Indy, Michigan, or any neighbor states for the same low price. And if you said this is a 09 model, well, 2010 is out and they want to get rid of all 09s so you should be get it much under invoice. Good luck.

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