“Loaded trim, sky-high price — the market says $9-11k, not $14.7k.”

Analysis

The 2013 CX-5 Grand Touring is the loaded one: leather, Bose audio, moonroof, blind-spot monitoring, HID headlamps, and Mazda’s first-generation SkyActiv 2.0-liter, which has a strong reliability record. Sky Blue Mica, presentable in the photos, and Premier includes their 26-month/26,000-mile warranty.

But $14,699 is a long way from what the market pays for a 13-year-old CX-5 with 122,389 miles. Kelley Blue Book puts resale value for this car near $8,800, and comparable Grand Touring listings at 107k–138k miles are asking $8,895–$11,495. Even generous, this car is a $10,000–$11,500 vehicle. Premier’s buy-here-pay-here pricing includes a financing premium, but a $3,500–$4,000 premium over market is not financing cost, it is margin. If your credit forces you into BHPH, negotiate hard off the $14,699. Otherwise, the same $15k buys a much newer compact SUV on the open market.

Market Comparison

Market check: Kelley Blue Book resale value for a 2013 CX-5 Grand Touring is about $8,800. Comparable dealer listings: $8,895 (119,876 mi), $10,600 (107,094 mi), $10,998 (118,970 mi), $11,495 (118,071 mi). At $14,699 with 122,389 miles, this car asks roughly $3,200–$5,800 over the market band.