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2024 Kia EV9 — 0 percent promo versus a cash rebate

QuietWeekend186Community StarterJan 15, 20262024 Kia EV9 GT-LineBay Area
2024 Kia EV9 GT-Line, about 30,500 miles. Manufacturer offers promotional financing or a cash incentive. What is the right way to calculate which one is worth more over my expected payoff period?
apr
10.73
location
Bay Area
trade in
ppi planned
term months
60
asking price
15500
dealer doc fee
85
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3 replies

SunBeltOwnerCommunity StarterCommunity StarterJan 16, 2026permalink
I'd want competing paper, not competing stories. A written buyer’s order on the 2024 Kia EV9 is worth more than any verbal “we’ll make it work.” Do that before you talk monthly again. Any freeze-frame data saved? Might be overthinking it, but I'd rather overthink than overspend.
TrackNerdCommunity StarterCommunity StarterJan 16, 2026permalink
If I were shopping this, two 2024 Kia EV9 quotes only help if both include tax, title, and the same options. Then the comparison gets honest. Run the total, not the monthly, before you commit. I've seen both outcomes, which is why I'd test instead of assume. Going to compare one more dealer before I decide.
PistonTuner368Community StarterCommunity StarterJan 17, 2026permalink
Not convinced that's the whole story. If one piece looks too good on the 2024 Kia EV9, hunt doc fees, accessories, and the APR next. Then the comparison gets honest. This is from a 2024 Kia EV9 in Bay Area with 30,500 miles. That's the whole play. If the story changes I'll post the new data.
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