ID.4 1st Edition White / Lunar Grey
This seems to be the crucial missing piece.The electric Volvo has a "Shop" button and that takes you to the configurator which isn't that different than VW's configurator. The last step is "get local price" which I didn't click. I might do that later today when I have time. From this video, it looks like the app will show all financing options for you, and I assume (hope) also applies the correct rebates.
Without it, it's nearly committing to a purchase without knowing the final price.
When I've ordered previously, I negotiated price before placing the order. The only thing I couldn't anticipate were what rebates / incentives would be available at delivery, nor the interest rate (though I have my credit union lined up).
That's why I've suggested dealer shopping with the VW system, get that lined up before committing the $100 deposit. But if somebody doesn't want to do that, they should still know up front exactly what their bottom line price is going to be without picking up the phone.