^^^ Thanks for posting this Edmunds link, I'm now more inclined to wait until my appointment of 1/23 since the end-of-year deals really aren't that good right now. I didn't realize that if you offered significant off MSRP they would counter with a higher APR. The "Dealer Cash option" only is if you pay cash (and not a briefcase of C-notes - that was a good comment!)be aware that you more than likely will not get the 0.9% apr with 7k off msrp. the dealer will offer you ~4% apr with the large discount on the car, or the .9% with a lesser discount. I got mid 6k off my gti and they told me 3.9%, I eventually negotiated them down to 2.9% and signed the deal. I may have been able to get them down to low or mid 2's but it was just enough back and forth already
use this calculator to weigh your options on whether to take the lower APR vs. the higher discount (https://www.edmunds.com/calculators/incentives-rebates.html). I called a few credit unions before I signed the deal and received a quote to refinance at 2.45%, however refinance incentives might change for the better after the end of the year. .45% isn't enough of a cut for me to think about refinancing, but mid 1's might sway me... we will see.
I'm hoping that something decent is offered in January, seeing that buybacks are underway. I'll take the chance of a better deal or miracle of a fix being announced (back to leaning on the fence again...)
The education gained from the link above does make it easier for me to handle the finance pressure they seem to be experts at. I couldn't understand why my 2015 Jetta TDI S at $20K out the door at 0% (in July of 2015) was a $288/month payment, but a 2017 TDI SEL at $22K was quoted at $373/month (lease was $311)...the interest rate wasn't disclosed initially and it makes more sense now. I want to be in the same general ballpark, not increase for a similar price range .
I had some time yesterday and was comparing the features of my '15 Jetta TDI S to what's current, heated cloth seats seem to be a novelty for the TDIs as they had their own trim additions