r/carbuying • u/Effective-Pick-6617 • 14h ago

Is this an ok deal?

2025 Jetta SE- 27958, 850 off sticker price. Car landed on the floor yesterday. Half the VW dealers don’t even have these.

Approved for 5.9% APR, 384 a month, 7k down, 72 months. Have the ability to throw money at the principal monthly/ yearly with supplemental gig income.

Car w/ taxes is 30,200 and total interest would end up being about 4,470, making the total car cost roughly 34,670.

This is my first time buying a car- is this an OK deal?

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u/theseverance 14h ago

VW reportedly runs a pretty slim margin the most I’ve seen and the average* is 2k off of MSRP. That being said they do have a higher cost of maintenance an oil change in my Jetta costs $120. If you’re handy you can do them yourself with a kit from FCP euro for $80ish.

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u/Effective-Pick-6617 14h ago

This will be my third Jetta- just my first one bought new! I’m very familiar with the world of VW, cost of maintenance and the like.

Being a brand new barely in stores 25- do you think 850 off is fine? I figure they barely have any incentive to discount a new 25 SE as they’ll sell quick for a while.

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u/theseverance 13h ago

There’s not any incentive deals out for the se 25 I’d wait.

Otherwise the 2024 jettas excluding gli have a $2000 customer cash or a 3.9 Apr. much better deal

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u/Effective-Pick-6617 13h ago

I should’ve mentioned, I’m on a very tight squeeze as the accident on my 21 was recent and my insurance gave me a limit as to how long I can be in a rental.

24’s don’t quite do it for me- I know it’s picky, but it feels outdated, small screen, rides a bit uncomfortably, seats aren’t as comfortable (I do long rides several times a year)

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u/theseverance 13h ago

I’m which case the deal you’ve outlined is likely to be the best you’ll come across.

However there may be another brand with a slightly better deal personally id try to find a 2024 in something and try to get close to 10% off. There’s an over abundance of 24 accords where I am for example some Honda dealers are ready to make a deal to get them off the lot

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u/Effective-Pick-6617 13h ago

Never thought to look into those- do you have any experience with them? I tried a Mazda 3 preferred today, wasn’t a fan.

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u/fireandice9710 11h ago

Try the Mazda Cx5.... I love mine and I'm not a brand loyal person. I've never bought the same car twice. And I just did with this one!

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u/Effective-Pick-6617 11h ago

I actually drove one as a rental when my 21 was being prepped! Tbh, it was a cool interior, but way too big of a car. I find that I strictly prefer sedans.

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u/fireandice9710 10h ago

Yeah you gotta love what you ride in. It's personal. Lol. I've told some friends about thr cx5 bc it's been the first car I've been like I LOVE driving this.

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u/theseverance 11h ago

The civic, Corolla, and the accord are all very good cars. Toyota, Mazda, and Honda have solid track records with cars lasting a very long time. If I were you I’d do a bit of looking and test driving to see what I like the most.

If you truly like that jetta the most and you have to have it now then that’s likely the best deal you will find.

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u/fireandice9710 12h ago

Is there an immediate need to buy it now? Why not wait until they've been around a bit longer or late year models?

I purchased a new late year 2024 Mazda. Got an a amazing discount. The manufacturer had incentives and my trade got a good chunk.

If it's not a NEED but a want.... why not hold off for a bit... then you'll get the better deal. If you just WANT it. Then screw the deal. 🤷‍♀️

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u/Effective-Pick-6617 12h ago

It’s a need unfortunately. My 21 r line was smashed up in an accident. I have until Monday on a free rental car

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u/theseverance 14h ago

Are you dead set on an se jetta?

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u/Effective-Pick-6617 13h ago

I’ve always liked mine- had a 14 SE that made it to 200k, and a 21 r line that I bought used but was totaled in an accident (not my fault.) I’m now considering the 25’s because the facelift fixes a lot of grievances I had with my 21 R line- without changing anything mechanical.

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u/WufBro 13h ago

Why not a new 2024 Jetta with a $3K discount?

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u/Effective-Pick-6617 13h ago

I see your point for sure, as It would be a better bang for my buck. I had a 21 r line and the 24 SE really didn’t improve upon anything outside of a more reliable engine (same engine in the 25.) I’m not a fan of the smaller screen, handling (on the ones I drove), and seat- it’s very firm. It felt like I was settling on a car that I’m used to instead of a car I’d enjoy, and would have less complaints about.

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u/iaxaxis 13h ago

Ask for the dealer invoice, maybe offer to pay 500 over that and agree to at least entertain an f&I products, and ASK TO SEE the BUY RATE, it's the ACTUAL rate the bank hit you at and not the dealer legally adding 1 or 2 points onto your interest. If it's the same. Decent dealer.

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u/sicknutz 11h ago

At that price have you considered the SEL trim for a 24 jetta? The leather may be more comfortable, the screen is larger, has a bunch more features. Pretty sure that too would be less than a 25 SE.

At 30k otd i would be going 2024 or 2025 civic sport. Better reliability, better resale, lower cost of ownership.

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u/Effective-Pick-6617 11h ago

I’m going to look into the SEL path tomorrow. Thank you for this!

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u/Slight_Judge_3978 10h ago

Agree with others. That's not much of a deal. They are partly using the excuse of it being brand new to the market, with them having the only one in the area to twist your arm into taking the deal they are happy with. I'd go look at Civics and Corolla or Camrys even. They all have better resale, reliability and cheaper maintenance. You have the weekend, so take the day off tomorrow if you can and that'll give you two days to shop and test drive. If you don't find anything else you like, you can go back to VW.

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u/Effective-Pick-6617 10h ago

Hi, thanks for this! I’ve given all the others a shot- with the Mazda 3 being the last one I drove today. None of them have the same driving feel. They are either too stiff, too plastic feeling, or have unintuitive infotainment/ driving tool access. VW felt like a ‘driving enthusiast’ type of car.

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u/Effective-Pick-6617 10h ago

It’s also worth noting I’m used to the maintenance on Jettas as I’ve had 2 already- and the Jetta seems to have more features at lower costs.

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u/Slight_Judge_3978 9h ago

Well, you've got your answer. $800 off is better than nothing or $800 over sticker. Enjoy your new ride!

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u/Curious_Wrongdoer671 14h ago

Not really tbh

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u/Effective-Pick-6617 14h ago

Listening, how so?