[jmcd2524]

New to the Board and in need of some advice / opinions. I have been researching buying an upscale SUV for sometime. After driving the GLS, Q7 and X7, I have settled on the X7 and have been shopping a new build with an MSRP of $89K. The best discount I have been able to secure (from several dealers) is $7500, or 8.4% which includes the $2000 financing incentive (the only incentive I qualify for). What do you think of this deal? Great? OK? Can do better?

Recently, I noticed a 2020 X7 from a dealer in another state. Their car has almost all the features I want but ramps, which I can live without or add aftermarket. The car is a loaner with 4000+ miles and has an MSRP of $96.6K. The dealer has offered a $12.3K discount or 12.7%. Is this a good deal or a great deal? What should I expect to get for a discount for a loaner with 4000 miles?

I plan to purchase and the "loaner" dealer has offered 1.49% interest versus 2.99% for the new build.

All thoughts, comments and advice are appreciated. thanks in advance.