Where are you located?

By State of Maryland law.  under 7500 miles can be selled as new car/loaned card or dealer used.

The loaner car has same warranty as new, just mileage.  If you are in Maryland.  I can tell you a place that extended warranty for 100,000 mile 7 year with $0 deduction.  Cost you $0.

90% dealers can seller you invoice price +/- $1000.  For fair both party. Invoice price is a good dealer.

The invoice price is dealer cost.  However, dealer will receive manufacture intensive to make money.  

Is the loaner car is certified?

I bouth 11 Volvo cars from Darcars since 2004.  I have all models.  I current have 3 different model of Volvo cars. I ususally talk to general manager only to save my time.  Most I sepnd 5 mintues to buy a car.  But, you need to do homework prior to meet the general manager.