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Volvo
XC90
2021
Go
2021 volvo xc90
See Photos
FROM
$49,995
MPG
21 city / 30 hwy

Expert Rating

Not Available

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1-Star: Poor vehicle. Simply does not deserve to be on the road.

Est Monthly Loan

The monthly payment is based on the price of this vehicle assuming it is financed. If you choose to lease, you can also use the payment calculator to determine your lease terms. Default values for financing include: Term of months, APR of , and Sales Tax of . Default values for leasing include: Term of months, Money Factor of , Residual Value of , and Sales Tax of .

2021 Volvo XC90
Lease
$609 / month
Finance
$725 / month
Vehicle Price
A typical negotiated price before taxes & fees.
Incentives
Incentives that help lower the selling price of a vehicle.
Available Money Factor of 0.00158 for 36 month lease
Incentives
Incentives that help lower the selling price of a vehicle.
Down Payment
Trade-In Value
Money Factor
Represents the interest charged on a lease. May require top-tier credit to qualify for the best rates.
Interest Rate
Sales Tax
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Buying Tips

What you must know before buying the Volvo XC90

John Diether
Automotive Editor - August 4, 2020
  • 2020 XC90 in stock; 2021s available for order
  • Factory rebate up to $5,500
  • Lease from $499 for 36 months
  • 0% APR for 60 months + up to $2,500 bonus

What's in store:

The mildly refreshed 2020 XC90 remains in adequate supply in most areas. Dealer pricing has improved over the past year, but don't expect major discounting.

The T8 plug-in hybrid version of the CX90 still qualifies for a $5,419 federal tax credit, but it's no longer eligible for the California Clean Vehicle Rebate due to revised minimum range requirements.

Dealers are now taking orders for the carryover 2021 XC90, which already carries a factory rebate.

Current factory offers vary by region and will remain in effect through August 31, 2020 unless otherwise noted. Examples shown here are for California and other western states. Volvo often enhances incentives ahead of Labor Day weekend.

Up to $7,500 off:

Volvo is now offering a rebate up $5,500 on the 2020 XC90, the highest amount of the year. The T6 model carries the most cash.

In addition, current Volvo customers will receive a $2,000 loyalty bonus on any CX90 model, or $1,000 toward a lease. The purchase loyalty bonus is double the usual amount.

All 2021 XC90 trims comes with a $2,500 factory rebate. The loyalty bonus is available as well, although the amount dips to $1,000 on purchases and $500 when leases.

What to expect on a lease:

For the second month, the front-drive 2020 XC90 T5 Momentum starts at $499 for 36 months (10,000 miles a year) with $4,899 due at signing. The effective monthly cost is $635, which falls just short of a good value in our book. We should see an offer we can recommend within the next few months.

Value is somewhat better on the 2020 T8, which goes for $665 a month with $5,065 at signing. We consider this a good deal since the T8 carries a substantially higher MSRP.

The 2021 T5 Momentum starts at $529 a month with $4,929 at signing. That's not bad for the first offer of the model year, but it's still a tad high for us to recommend.

Pay no interest, get cash:

In place of the standard rebate on a 2020 XC90, Volvo continues to offer 0% financing for 60 months. The deal comes with $2,500 bonus cash on the T6.

Promotional rates on the 2021 XC90 start at 0% for 36 months, without any cash.

You can combine these offers with this month's loyalty bonus if you qualify.

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Advertised Lease Deals

T5 Momentum
$529Monthly Payment
Term Length (months): 36
Due at signing: $4,929
Mileage: 10k
MSRP: $51,390
Deal Valid in: Los Angeles
Expiration: 8/31/20

This ranks as an excellent deal based on our expert analysis of: vehicle price, length of lease term, amount due at signing, monthly payment, etc.

CarsDirect Target Price

Prices vary by style

CarsDirectPricing as of 8/9/20 in 20149
MSRP
$49,995
Sales Price
$49,995
Cash Rebates
$0
Target Price
$49,995
Lease Estimate
$609/mo
Finance Estimate
$725/mo

Cash Incentives

Incentive available to most customers and purchasing situations.
RebateAmount
Loyalty Bonus Cash SR Loyalty Bonus - Purchase (Expires 8/31/20) For current owners of the same make. May not be compatible with certain other incentive types such as Conquest programs. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $1,000

Financing Incentives

RebateAmount
Promotional APR Offer Promotional APR programs available for qualified buyers. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Residents residing in qualifying regions of the United States. O.A.C. %Qualification% Retired service loaners and demonstrators are eligible for this program.
Term(s)24 - 36
Rate %0%
Eligibility Residents residing in qualifying regions of the United States. O.A.C.
Loyalty Bonus Cash SR Loyalty Bonus - Purchase (Expires 8/31/20) For current owners of the same make. May not be compatible with certain other incentive types such as Conquest programs. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $1,000

Leasing Incentives

RebateAmount
Lease Bonus Cash VCFS Lease Bonus Cash (Expires 8/31/20) Bonus cash available for qualified customers leasing a vehicle through the manufacturer's captive finance company on approved credit. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Must be leased through Volvo Car Financial Services. $2,000
Lease Loyalty Bonus Cash SR Loyalty Bonus - Lease (Expires 8/31/20) Lease loyalty bonus cash available for current lessees of the same make. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% For current VCFS lease end retention customers, the loyalty allowance in only available with a Lease Payoff. %Qualification% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $500

Hurry! Offer expires

Leases For Similar Cars

Based on 2021 Volvo XC90 T5 Momentum 7 Passenger 4dr Front-wheel Drive - MSRP $49,995

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