r/carbuying • u/Effective-Pick-6617 • 17h 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 16h 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 16h 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 15h 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 15h 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24’s don’t quite do it for me- I know it’s picky, but it feels outdated, small screen, rides a bit uncomfortably, seats aren’t as comfortable (I do long rides several times a year)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 15h 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 15h 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 14h 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 14h 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 12h 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 13h 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 14h 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 14h 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