I'm looking at minivans. We were going to buy one, likely within the next 2 weeks, but we didn't move fast enough and the 0% financing is gone. Does anyone know why/when they offer it? This manufacturer still has it for different models, but not the minivan.
I can still get some low rates with our credit union, but damn. Really wanted 0%.
EDIT: What I'm really asking is, is there any chance that they'll offer it again July 1st? It is Kia, FWIW.
Wait until the end of the model year?
Furious_E said:Wait until the end of the model year?
Ohh. Good idea.
mtn said:Furious_E said:Wait until the end of the model year?
Ohh. Good idea.
Which it basically is right now, depending on the brand. Expect to see 2019s hitting the lots in the next 2-3 months.
In reality, skip the Starbucks once-per-month and take the 0.9% you'll get from the credit union and get the van you want.
What's if gonna take to put you in this van today? 
Run the math and see what 0% would save you then take that number and subtract if from the offer you give the Kia dealer for the van you want?
z31maniac said:mtn said:Furious_E said:Wait until the end of the model year?
Ohh. Good idea.
Which it basically is right now, depending on the brand. Expect to see 2019s hitting the lots in the next 2-3 months.
In reality, skip the Starbucks once-per-month and take the 0.9% you'll get from the credit union and get the van you want.
Slightly off topic. We got our first 2019 today. Sold before noon.
John Welsh said:What's if gonna take to put you in this van today?
Run the math and see what 0% would save you then take that number and subtract if from the offer you give the Kia dealer for the van you want?
On a $25,000 note over 60 months. 1% APR is roughly = to $10/month.
We spend $50-60 on one Sunday brunch. So that wouldn't sway me from getting exactly what I want.
$10/mo x 60 mos is still $600. It doesn’t matter how you spread it out.
z31maniac said:mtn said:Furious_E said:Wait until the end of the model year?
Ohh. Good idea.
Which it basically is right now, depending on the brand. Expect to see 2019s hitting the lots in the next 2-3 months.
In reality, skip the Starbucks once-per-month and take the 0.9% you'll get from the credit union and get the van you want.
What credit union are you getting that rate at?
dculberson said:$10/mo x 60 mos is still $600. It doesn’t matter how you spread it out.
Agreed. But $600 on a $25,000 purchase (WAG amount here) would not be a deal breaker to me if I wanted that particular vehicle. It just needs to be considered in the total price when the decision is made.
When we bought the Volvo the only difference 0% financing made in our decision was in the amount we put down. If you are going to lend me free money, damn skippy I'm going to keep more of my money in my hands.
dculberson said:$10/mo x 60 mos is still $600. It doesn’t matter how you spread it out.
As Duke said, is $600 over 5 years enough to get exactly what you want? For me it is.
I understand everyone has different priorities.
mtn said:z31maniac said:mtn said:Furious_E said:Wait until the end of the model year?
Ohh. Good idea.
Which it basically is right now, depending on the brand. Expect to see 2019s hitting the lots in the next 2-3 months.
In reality, skip the Starbucks once-per-month and take the 0.9% you'll get from the credit union and get the van you want.
What credit union are you getting that rate at?
I just figured there would be another deal.
3.24% is the current 60 month rate from Pen Fed.
I was curious so I went to the Kia Sedona website and looked under Shopping Tool -> Offers and for my Zip Code they have the following...
0% for 66 months
Quantities limited. Available only at participating Kia dealers. Contact your local Kia dealer for availability. 0% Annual Percentage Rate (APR) up to 60 months. 0% Annual Percentage Rate (APR) up to 66 months. 1.9% Annual Percentage Rate (APR) up to 72 months. 1.9% Annual Percentage Rate (APR) up to 75 months. APR financing available, subject to credit approval by Kia Motors Finance (KMF), through KMF, to very well qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. No down payment required.Must take delivery from a participating dealer and from retail stock from 6/1/2018 to 7/9/2018. New vehicles only. This incentive is for a limited time offer on eligible Kia vehicles and may not be combined with other special offers except where specified. Dealer contribution may vary and could affect actual monthly payment. See your participating Kia dealer for more details on these special offers.Finance contract must be signed and dated no later than 7/9/2018.
In reply to John Welsh :
Must take delivery from a participating dealer and from retail stock from 6/1/2018 to 7/9/2018.
I have found this to be the same for many different manufacturers. You have to take one that they already have on the lot to get the 0%. Although the local Ford dealer did sort of bend that for me once. They traded with another dealer to get exactly what I wanted. If you want to special order something, Forget the 0%.
You'll need to log in to post.
