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Going to buy '22 XC90 T8 instead of '22 BMW X5 45e

5.6K views 38 replies 15 participants last post by  clutchmaster  
#1 ·
Hello Everyone,

I've been following this forum and XC90 T8 for the past month and a half as I am in the market to buy a hybrid SUV. I am a proud owner of the '14 BMW 528ix MSport, '09 MB R350 4Matic, and '04 MB E350 4Matic. Naturally, '22 X5 45e was on top of my list but after test driving T8 I was convinced on Volvo. I never had anything but BMWs, MBs, and Porsche ('91 911 Carrera 2) and thoroughly enjoyed driving each one of them. Granted, they all came with sweet pain and great excitement but it's time for a change.

This forum has been very helpful in understanding what people like about Volvo, their build quality, and most importantly their design language. I really wanted to get X5 45e but BMW is cutting options every single day due to the chip shortage like H&K sound, wireless changers, touch screens, and so on. All of those made my choice of Volvo easier for a lack of a better word. That said, I came across the Volvo OSD program and I am definitely going to that route.

I've got a few questions and I hope the forum will be helpful in addressing them.

1. I am thinking to take advantage of Volvo's 1.99% APR offer. Are there any other hidden charges or terms I should be aware of from the Volvo or Dealer like loan fees or origination fees? (I never did financing before)

2. Local dealers aren't being that interested in OSD given the discount involved (they are just slow but willing to work). Do you guys suggest any dealer for the OSD?

3. I know Sweden is going to be cold in April (been to Netherland in May and it was cold) but going with young kids, do you guys suggest spending 2 weeks in Sweden or mixing Sweden with other countries. I really want to drive XC90 as much as I can in those 2 weeks and just enjoy European roads and cuisine.

Thank you, everyone.
 
#4 ·
Hello Everyone,

I've been following this forum and XC90 T8 for the past month and a half as I am in the market to buy a hybrid SUV. I am a proud owner of the '14 BMW 528ix MSport, '09 MB R350 4Matic, and '04 MB E350 4Matic. Naturally, '22 X5 45e was on top of my list but after test driving T8 I was convinced on Volvo. I never had anything but BMWs, MBs, and Porsche ('91 911 Carrera 2) and thoroughly enjoyed driving each one of them. Granted, they all came with sweet pain and great excitement but it's time for a change.

This forum has been very helpful in understanding what people like about Volvo, their build quality, and most importantly their design language. I really wanted to get X5 45e but BMW is cutting options every single day due to the chip shortage like H&K sound, wireless changers, touch screens, and so on. All of those made my choice of Volvo easier for a lack of a better word. That said, I came across the Volvo OSD program and I am definitely going to that route.

I've got a few questions and I hope the forum will be helpful in addressing them.

1. I am thinking to take advantage of Volvo's 1.99% APR offer. Are there any other hidden charges or terms I should be aware of from the Volvo or Dealer like loan fees or origination fees? (I never did financing before)

2. Local dealers aren't being that interested in OSD given the discount involved (they are just slow but willing to work). Do you guys suggest any dealer for the OSD?

3. I know Sweden is going to be cold in April (been to Netherland in May and it was cold) but going with young kids, do you guys suggest spending 2 weeks in Sweden or mixing Sweden with other countries. I really want to drive XC90 as much as I can in those 2 weeks and just enjoy European roads and cuisine.

Thank you, everyone.
We did the OSD in May of 2017. 3500+ miles and 10 countries in 14 days. We stayed 4 extra days in Sweden after dropping the XC90 off at the factory. I highly recommend doing more than just Sweden. Here's a video video my wife threw together...


It was pretty mild everywhere we went. But we didn't go any further north than Gothenburg.

Our dealer was not interested in the OSD sale either. The original salesman didn't take us that seriously, maybe because we were younger than his typical buyers. We had to call him multiple times and physically go to the dealer (again) to contact him. He lost us as a customer and we used another sales person [emoji2369].

Sent from my SM-G781V using Tapatalk
 
#22 ·
We did the OSD in May of 2017. 3500+ miles and 10 countries in 14 days. We stayed 4 extra days in Sweden after dropping the XC90 off at the factory. I highly recommend doing more than just Sweden. Here's a video video my wife threw together...


It was pretty mild everywhere we went. But we didn't go any further north than Gothenburg.

Our dealer was not interested in the OSD sale either. The original salesman didn't take us that seriously, maybe because we were younger than his typical buyers. We had to call him multiple times and physically go to the dealer (again) to contact him. He lost us as a customer and we used another sales person [emoji2369].

Sent from my SM-G781V using Tapatalk
10 countries in 14 days? That's insane lol. But yeah we thinking to spend either 2 weeks in Scandinavia or drive down to Germany and/or Poland (May be Gdansk, been to Warsaw in '18 and it was beautiful).
 
#9 · (Edited)
Yeah, "nice" is a relative term. It was a WW2 themed trip, so definitely some places that were tear jerkers. Learned things that school could never teach, which was the most important part. We didn't make it to Dachau, but made it to Auschwitz and Birkenau in Poland, and Sachsenhausen in Germany. Couldn't make enough time to make it to Munich on that trip.

Stayed in AirBnB's almost the entire time. Never had a bad experience. We wanted to do it again last year but covid messed that up.

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#7 ·
OSD was a great way to experience car ownership. I would love to go with the highly recommended OSD specialist dealer (even though they're out of state) the next time we do it. My local dealer wasn't too helpful and also messed up a few things (e.g. DMV registration when the car hadn't yet arrived which I had to rectify by paying a penalty and visiting DMV twice). If you do go with a local dealer, make sure they've done at least a few OSDs before and know their way around the paperwork for it.
 
#8 ·
It is not easy to book a OSD delivery in April, due to multiple reasons: maybe out of quota end-of-year, production shortage this year, model year transition in April/May, etc. Check with a dealer when it is possible the earliest. I bet they even don't have very good idea. Have to see what date can be confirmed by Volvo.
 
#10 ·
3. I know Sweden is going to be cold in April (been to Netherland in May and it was cold) but going with young kids, do you guys suggest spending 2 weeks in Sweden or mixing Sweden with other countries. I really want to drive XC90 as much as I can in those 2 weeks and just enjoy European roads and cuisine.
I ordered an OSD XC60 T8 in September and hoping to have it in early January, direct shipped. The plan is to do the Sweden trip in early March, just one week (that's when I have the flexibility to do it, so it works). It will be cold, but that's a relative concept. I grew up in colder climates and now live in devil's-butthole-kind-of-heat so a cold destination trip actually sounds appealing :).
 
#11 ·
All of those made my choice of Volvo easier for a lack of a better word. That said, I came across the Volvo OSD program and I am definitely going to that route.
Welcome to Volvo! Glad you're choosing OSD as it will probably brainwash you as it did our family. [emoji39]

2. Steingold Volvo. Otherwise if you choose someone else be sure to do your research and quiz them to see if they know their stuff.

3. We did OSD with a baby and young kid and it was still awesome. (And Bosswife generally agrees!) I recommend touring Europe and making some life memories to look back on. We had time constraints and stayed only in Sweden and to this day we regret not being able to tour Europe like we had wanted. (Bad enough that I've looked into "recreating" the experience by shipping our XC90 to Europe for 6 weeks but am still stuck on getting visitor insurance.)

If you don't know already, there's a whole section devoted to OSD as well for a more focused audience.

Again, great choice with Volvo and OSD!
 
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#25 ·
Welcome to Volvo! Glad you're choosing OSD as it will probably brainwash you as it did our family. [emoji39]

2. Steingold Volvo. Otherwise if you choose someone else be sure to do your research and quiz them to see if they know their stuff.

3. We did OSD with a baby and young kid and it was still awesome. (And Bosswife generally agrees!) I recommend touring Europe and making some life memories to look back on. We had time constraints and stayed only in Sweden and to this day we regret not being able to tour Europe like we had wanted. (Bad enough that I've looked into "recreating" the experience by shipping our XC90 to Europe for 6 weeks but am still stuck on getting visitor insurance.)

If you don't know already, there's a whole section devoted to OSD as well for a more focused audience.

Again, great choice with Volvo and OSD!
Thank you, that is the plan. I definitely want to do at least 2 weeks in Europe. Last time I drove from Amsterdam to Rotterdam and it was short :(
 
#13 ·
I live in Estonia. It's little warmer here, but the here weather is more or less like in Sweden. If possible take the delivery in May. Temperature is warmer and the scenery much greener. And do come to Estonia, just a ferry trip away.
Tere tulemast Joe!

We were looking at taking the overnight car ferry from Stockholm to Tallinn (a beautiful old stone city) then continuing thru Riga, Latvia, then Poland, etc, to circumnavigate the Baltic Sea. Never had the chance, sigh . . .

Maybe something for the OP to consider.
 
#14 · (Edited)
Like others here, congrats on the choice to go OSD and XC90. We've done 4 cars on European delivery - 3 with Volvo and 1 with Porsche. We highly recommend Volvo's OSD. There's no better program and it's a great way to purchase a custom ordered Volvo. Volvo's website has good information about it and the OSD forum here is a good source of information as well.

As for taking advantage of Volvo's financing/bank option, it'll make it easier if you're planning an OSD vs. using traditional dealer selected/arranged financing or another bank of your choice unless it's a credit union or cash. Logistically the thing to keep in mind is you're asking for financing on collateral that's not in the US at the time they issue funds. And more importantly for the bank, they won't get to officially place a lien on your title until after you've titled your Volvo. Volvo issues the MSO (Certificate of Origin - aka birth certificate) directly to you when you pick up your Volvo at the factory and you won't likely be tilting until at least you've returned with the MSO. You'll use that to title and register in your home state. With Volvo financing if I recall correctly the MSO will indicate the lien holder or if not at the time you title and register with your state with the MSO you designate the lien holder and your state will issue the title to them. This will all happen several weeks after you've had the bank issue funds either via check or directly to the dealer for payment to Volvo. You're required to pay in full at least 30 days prior to your scheduled factory delivery. The other thing to also keep in mind is that any bank will also want to ensure the collateral is insured. While it won't be insured in the US, it will have insurance as part of OSD (I think Volvo's default is 2 weeks and you can buy more depending on how long you'll drive it across Europe. It'll then have marine and transport insurance for home shipment, however, banks unfamiliar with OSD or foreign purchase may get antsy once they've issued funds. It is important to either go with a bank that will be patient, Volvo's banking partner for the promotional rate, or self finance (cash).

This may seem like a lot to juggle but Volvo makes it seamless and if you're going through Volvo financing that'll be as well.

If interested, here's a quick summary of our experiences - including financing:
For our first Volvo and our honeymoon we ordered a 2001 V40 which we financed through our credit union. It was an easy choice at the time since it was a very personal banking experience and we could explain to the CU loan officer first hand the program. They were totally patient, not once chasing us for documents (title, proof of insurance, etc) until our V40 arrived stateside about 3 months after they issued funds for it. Remember the process is you pay in full 30 days before delivery and then it can take up to 8 weeks for home shipment after you drop it off. With our V40 we enjoyed our honeymoon traveling 2500mi across Sweden, Denmark, Germany, Switzerland, France, Netherlands, and Belgium over 3 weeks. It was great!

In 2005 we did an "OSD" with Porsche and for that one we paid cash. It was also a great experience although Porsche was not as well versed or prepared to deliver as smooth an experience as Volvo. This was also a 3 week and 2900 mi trip enjoying southern Europe before returning to Zuffenhausen for drop off and home shipment.

For our second Volvo we ordered a 2010 XC90 on OSD. For this one we took advantage of Volvo's special financing (I don't recall if it was 0.9% or 1.9%) over 5 yrs. It was through US Bank. They were very good and transparent without any hidden fees or penalties for early payment. On this trip we were a family of 4 (11 month old and 4 yr old) and we took our time. We spent 7 weeks in Europe for our summer vacation and we traveled 5300mi, Sweden, Poland (via ferry from Nynashamn to Gdansk), Czech, Austria, Germany, France, Belgium, Netherlands, Denmark, and back to Sweden. From the time US Bank issued funds for it to the time they got title it was nearly 6 months.

More recently, for our 3rd Volvo, we ordered a 2017 XC90 T8 (cash) which we enjoyed for 6 weeks and 3900mi across Europe. For this one we set our "home base" in Belgium as we had enrolled our kids (now 3) in summer camps - 11yr old, 6yr old and a close to 2yr old. It was a wonderful trip. My wife and had an amazing time together during the day to enjoy and explore without the little ones.

One of the great perks of OSD is the huge flexibility you get in how you plan and enjoy your vacation. You're not beholden to any itinerary and you're in a way saving on transportation as you're driving your own car.
 
#30 ·
This is great, thank you very much for the in-depth answers to each of my questions. We too wanted to buy the car in Cash (I never did financing before and have always paid cash) but the dealer insisted to take advantage of cheap money. Volvo is doing a 1.99% APR for XC90. I am a member of PenFed and they have a great rate but I knew that they will give me a headache on OSD given the car is not gonna be here when they issue the fund so I am going with the VFS solely for that matter.

I am jealous that you gotta spend so much time in Europe, my job allows me to do remote work and be flexible but my wife being in the medical field doesn't have that luxury. I do want to talk to you about the summer camp option though, I never even thought about it, my kids are 6 and 8 so that should work out. It's our plan that we will make an effort to spend at least 4-5 weeks each year in Europe.
 
#17 ·
Just wanted to say that I knew nothing of OSD before seeing this thread - thanks to @clutchmaster , @Ultrarunner511 , @VolvoUhu and everyone else for all the info and details. Since I've always bought pre-owned, not new, I doubt I'd ever actually get to do it, but it sounds like a great option.
 
#18 ·
Just wanted to say that I knew nothing of OSD before seeing this thread - thanks to @clutchmaster , @Ultrarunner511 , @VolvoUhu and everyone else for all the info and details. Since I've always bought pre-owned, not new, I doubt I'd ever actually get to do it, but it sounds like a great option.
We only found out from my wife's parents. They learned about it at an auto show and told us. We thought they were lying. There had to be a catch. There wasn't. Our build was almost 10% lower than MSRP thru OSD. You just have to sign papers for a vehicle you haven't seen in person, and you have to wait 45-60 days for shipping (under normal world circumstances).

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#19 ·
2. Local dealers aren't being that interested in OSD given the discount involved (they are just slow but willing to work). Do you guys suggest any dealer for the OSD?
I forgot to mention - it's odd they wouldn't be interested in selling OSD. It's more likely they aren't familiar and/or they may perceive a loss that they're not moving inventory off their lot instead - could be a dealer incentive thing to the salesperson. The OSD discount isn't off their back. In fact they just get a flat fee for selling it via OSD vs. any "margin". It essentially covers their processing and handling stateside delivery. It's possible the flat fee is less than they would make in terms of margin but it's enough for dealers to be able to share. I recall University Volvo in NC used to do a lot of OSD for customers nationwide and often would take the order and make arrangements with another dealer for them to handle final delivery. They happily took the order and likely split the sale to get the other dealer to take the shipment to deliver to their customer. Also, my understanding is it's an extra car they wouldn't have otherwise sold - it doesn't come out of their allocation. If anything with the supply issues it's an advantage for them to sell OSD as it gives them an extra car to sell especially if they're out of stock or waiting on cars. Heck I drove out to Billings 2 weeks ago and the dealer there only had 1 new Volvo (2021 V60 T5) and 1 used Volvo (2019 XC90 T6 w/Polestar) available to sell. During our summer vacation that same dealer in August had a decent selection of Volvos including a couple of XC40 Recharge.

The limitation some years is capacity at the Factory Delivery Centre in terms of delivery slots and sometimes it's Volvo's capacity to build which may be an issue lately but from a supply side and not necessarily from planning. OSD is great for Volvo (and most European manufacturers) as they get to build a car to end customer spec and it keeps on hand inventory to a minimum. It's actually how they sell cars in Europe - dealers put in orders for customers, but lead times within Europe are shorter (don't have sit on a boat for a few weeks). Plus payment terms give them (manufacturer) a financial advantage.
 
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#20 ·
Also, my understanding is it's an extra car they wouldn't have otherwise sold - it doesn't come out of their allocation.
I don't believe this is currently the case. From Barabara a couple of weeks ago:
At the present time in order to be able to place an Overseas Delivery Order your local Volvo retailer must provide us with one of their dealer allocated pipeline vehicles.
 
#31 ·
Image


This is how I've spec my wife's '22 XC90 T8. The base is just a T8 Inscription Expression package for my own filing purpose but every other code is directly from the OSD booklets. Dealer confirmed that we will get an 18.8Wh battery and not an 11.6Wh battery (so basically 455 ponies) and with polestar tuning it should be plenty fast for wife (who drives '08 MB R350). However, the dealer said no EU rear light :confused:
 
#32 ·
Roads in Poland are quite good. The highways are very good.

A month or so ago did a 7200km road trip through Europe. On the highways in Poland 130km/h is the legal limit and when crossing the boarder between Poland and Germany, if it wasn't for the signs, I wouldn't have noticed I'm in Germany and on the Autobahn. The highways in Poland are that good, new and smooth. Local roads vary, some are good and some not so much.

Lithuania has the worst roads. Don't know what they are thinking there. In Latvia and Estonia roads are also good. Latvians drive like crazy, but that's another story.
 
#34 ·
Good to hear they've continued to develop their infrastructure! When we drove through Poland in 2010 we managed to be on a good EU funded highway on a stretch from Gdansk to Krakow but most of the time it was country highways (single lane) and on one part even it was a detour through farms and dirt roads. Still totally enjoyed that trip and even with roads not being good we'd still enjoy it. After all it was traveling in an XC90 so even when the roads get rough it's still in comfort ;).