Hi there Pat-illac!!! Welcome to the site!!
First, apologies in advance that VA will require you to deface the front of your Charger with a nasty license plate mount.
Second, as for R/T vs SP there are a quite a few points to consider, two of the top 5, looks and sound, are basically the same now. If the 5.7L engine is okay for you, go with the R/T. Purchase price, gas, and maintenance will all be cheaper. Test drive the two models to decide.
Third, you will have to do your research and see what a Charger optioned like you want should cost with incentives from Dodge. The dealers may be including the WW2 vet, boy scout, college student, AARP, and USAA discounts in their Amazing $8000 off deal. But a few minutes on a phone call to the dealership talking with the internet sales dept and they can detail what all of that 8k is. Don't waste any time in the dealership to get that info.
I bought my Scat about 2 years ago at the end of July, but "the game" is always the same.
$48,960 was the sticker, $43,5xx was my out the door price. I had similar financials as you. At the time Chrysler had a 0% - 60mon financing + cash back incentive that I used. For you, it appears you have the following choices through Chrysler for 2019 models:
- 0.0% APR for 36 months
- 0.9% APR for 48 months
- 1.9% APR for 60 months
- 2.9% APR for 72 months
Or get your own financing at your CU or whatnot.
When people post a "Is this a good deal" thread, quite often a dealership in Virginia is mentioned as having the best advertised deals in the south east. It was Koons Dodge on Chains Bridge Rd in Vienna. DON'T GO THERE. Dealerrater.com has nightmare stories of how horrible they are. Ourisman Dodge has decent reviews. Their website has Scat Packs listed with 8 and 9k discounts(Keep the Vet/Astronaut/AARP deal in mind). Heritage Dodge has great reviews so check them out.
At the time of my purchase, the model I wanted could only be found at a dealership 2 hours away and one about 6hrs away. I figured invoice price - holdback - rebates and decided on a price I would pay with no regrets for both cars. I did some dealerrater searches for sales staff reviews and called them. After introductions and confirming the vehicles were available I gave the salesman my info and used an excuse to get off the phone. Later in the week, I called both back and said "I'm a serious buyer, I am ready to buy now, I'm talking with another dealer on the same car, whoever gives me the best out the door price first, gets my check." I had the winning dealer send me pic of a sales workup sheet for my car