At the dealer I just dealt with this past weekend in Kirkland, WA, I was told that their is no restriction on using the X-Plan pricing for either on the lot or ordering vehicles. I was told that Costco Auto program was only available for off the lot purchases...which is what we did. The Costco program was better than the X-plan price by a little more than $1,000 and we were able to get what we wanted for the most part off the lot. Only have had the Fusion Energi Titanium since Sunday, but I am really impressed with this vehicle. Good luck!