I went to the VW site and put the postcode of 3000 into the Golf price page.
It tells me the retail drive away cost is: $45,727.30 (40 y/o male with good driving record, no metallic paint, basic plates, etc).
This is what I'm trying to explain. The car isn't retailing for $41,490 drive away, that is the sale price. Volkswagen are paying all your own roads for you (or another way to look at them is, you are paying them still, but they've taken those costs off the cost of the car). Using a corporate discount won't necessarily help either, as one of the main areas which it gives you a discount is on the dealer deliver, which has already been removed from your price due to the sale (Volkswagen Group Australia will pay the dealer to cover the labour and materials costs involved in the dealer delivery etc).
If you're talking about a 5 door manual, then the on road price of that is $44,702.30 (again with same conditions as above). You would need to do the negotiations yourself rather than relying on the sale, but yes, you could get closer or even meet that $40k mark with that configuration. Having said that, if you were originally looking at the DSG, would you be happy with a manual? I wouldn't be
No offense is meant by these next comments (I've been there in the past too!), but seriously, if you $41,500 means you can't afford the car, yet $40,000 means you
think you can, then I would say that you really can't afford the car. With insurance and running costs and service costs and depreciation etc, maybe it'd be better to look at base spec or moderately optioned 118TSI?
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