We are also in the market for a 2019 EX-L AWD. Are you getting AWD or 2 wheel drive. If AWD - your price is great. If FWD (2 wheel drive), I think you can do better. Dealers here in WI/IL/MN are not ready to clearance the Passports as 2020's aren't due in til Nov.
As far as the $500 - it's higher than it is here (avg is $300). I've never heard of this charge before but times and things do change. With internet pricing and profit is fierce for the dealers so they have to get creative to pay for peoples time - so the buck gets passed on to us the buyers. Lowest I've been able to get for EX-L AWD is $35100 but they have a "standard" Pro-Pak for $850 which they state is non-negotiable. I don't have my notes with me but it was 3 accessory items - wheel locks, mud flaps and can't remember the third item. Even with the parts counter prices it wan't $850. So - bottom line, they get you one way or another. Be sure to check every line item pricing.
As far as finance - it changes every month - we looked at it last night and I only remember 48 months is at 2.9%
Correction!! 48 months is at 3.9% NOT 2.9%. SOORRY! ?