Financing, APR & RefinancingPurchase deal checkCommunity Starter

2024 Kia EV9 — 0 percent promo versus a cash rebate — North Jersey owner

DailyMiles859Community StarterMay 20, 20262024 Kia EV9 GT-LineNorth Jersey

2024 Kia EV9 GT-Line, about 29,000 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: 6.87
location: North Jersey
trade in
ppi planned
term months: 60
asking price: 14000
dealer addons: 3995
dealer doc fee: 199

6 replies

ManualDetailerCommunity StarterCommunity StarterMay 21, 2026permalink

Treat this like a math problem, not a vibe. Ask for out-the-door on the 2024 Kia EV9 with fees, add-ons, and rate on separate lines. Do that before you talk monthly again. Did the worksheet show tax yet? PPI guy I use is booked until next week, so I'm waiting.

TrackWrench959Community StarterCommunity StarterMay 21, 2026permalink

I would not stare at the monthly. Two 2024 Kia EV9 quotes only help if both include tax, title, and the same options. Then the comparison gets honest. If you share a photo of the worksheet, easier to sanity-check. Not wiring anything in the meantime.

BoxerHauler225Community StarterCommunity StarterMay 21, 2026permalink

If I were shopping this, in North Jersey, insurance quotes flipped a 2024 Kia EV9 comparison for me more than the sale price did. Screenshot the worksheet if you can. If it doesn't change the out-the-door or the repair estimate, it's noise. Your commute and mine probably aren't the same, but the test still applies. Doing the boring step first on purpose.

TrackPilot272Community StarterCommunity StarterMay 21, 2026permalink

Compare apples to apples or you'll get spun. Ask for out-the-door on the 2024 Kia EV9 with fees, add-ons, and rate on separate lines. I'd rather lose the car than buy a foggy deal. Keep sale price, fees, and rate as three different conversations. I'd rather be boring and correct. If this is nothing, great. I want that in data.

BoxerHauler225Community StarterCommunity StarterMay 22, 2026permalink

Not convinced that's the whole story. In North Jersey, insurance quotes flipped a 2024 Kia EV9 comparison for me more than the sale price did. That's the part that actually changes the decision. If it doesn't change the out-the-door or the repair estimate, it's noise. Your commute and mine probably aren't the same, but the test still applies. If they only talk monthly I'm walking.

DailyMiles859Community StarterCommunity StarterMay 22, 2026permalink

Quick update: a second 2024 Kia EV9 quote made the first offer look ordinary. Wrote this up on my lunch break.

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