2014 Audi S4 Lease Questions

parris69 · July 2014

Thanks for all the help, Michaell!
I will try to shoot for a reduction on the Net Cap Cost & see what they say...

tke743 · July 2014

We can't thank you enough for the info. Do you have the info for 2014 S4 Prestige 36/12?

kyfdx · July 2014

@tke743 said:
We can't thank you enough for the info. Do you have the info for 2014 S4 Prestige 36/12?

.00032 MF and 51% residual.

tag1911 · July 2014

Hi,

Very new here. Can't say I was the smartest here but I leased a 2014 S4 tonight without much research or finding this forum. Wondering if the mod can tell me how I did:

2014 S4 Quattro S Tronic -- $49,500
Packages/Options:
Phantom Black Peal Effect - $500
NMI Nav Plus Package - $3050
Fine Napa Leather - $1250
Quattro Sports Differential - $1100
Adaptive Damping Suspention - $1000
Bang & Olufsen Sound System - $850
19" summer tires - $800
Carbon Atlas inlays - $500
Side Assist - $500
Guard All Weather floor mats - $180
Supercharge badges - $145
First Aid Kit - $45
"Preferred Equipment Credit" - -$1500 (negative value...not sure what this is entirely)
Destination charge - $895

Total Price: $58,815
Price I got the car to: $54,781

Lease Terms:
36 months
10K miles / yr
MF .00032
Residual 55%

Payment $695/month all taxes and fees included
No money down, got a $1,000 rebate for already owning an Audi and they waived the rest of the drive off/registration fees (so I paid $0 today). So I have:

35 payments of $695 left
$350 due return fee
Year 2 & 3 registration
All maintenance after the 5K which they cover

Appreciate the help! Thanks!

kyfdx · July 2014

The negative $1500 is probably a discounted option package. Audi pays the first payment on this model...

You have the base rates, so it looks pretty good.. Come here first, next time.. ;-)

mbanyc · July 2014

Really helpful forum here. Thank you. I'm looking at a '14 Premium Plus with Nav, 19" wheels/tires, carbon atlas and B&O. The MSRP is 55,380, and the MF is .00032. I'm getting a dealer invoice is 52,705. 55% residual value on 36 mo/10k per year. They are giving me about 1800 in loyalty rebates, which they are putting towards cap reduction. Nothing else down. There's some padding on the MV and admin fees, but all else makes sense. Can you ballpark where I should end up monthly? Also, I see where I can increase the residual value by buying Audi Care...can I also negotiate an increase using my history of returning cars in new condition and below the mileage purchased? Thanks again...so very helpful.

kyfdx · July 2014

@mbanyc said:
Really helpful forum here. Thank you. I'm looking at a '14 Premium Plus with Nav, 19" wheels/tires, carbon atlas and B&O. The MSRP is 55,380, and the MF is .00032. I'm getting a dealer invoice is 52,705. 55% residual value on 36 mo/10k per year. They are giving me about 1800 in loyalty rebates, which they are putting towards cap reduction. Nothing else down. There's some padding on the MV and admin fees, but all else makes sense. Can you ballpark where I should end up monthly? Also, I see where I can increase the residual value by buying Audi Care...can I also negotiate an increase using my history of returning cars in new condition and below the mileage purchased? Thanks again...so very helpful.

If the selling price is invoice minus the $1800, then the payment is $594/mo.+tax Due at signing would be acquisition fee ($695) and title/registration/dealer fees. Audi covers the first payment of this model, this month (which should be disclosed on your lease contract).

eyeonprice0791 · July 2014

I have 2 deals not sure if they are any good ...Please help me
both are 2015 S4 Texas
1st
selling 59545
discount 3572, rebate 1000
adjusted price 54973
service fee 497
purchase 55470
doc fee 179
tax 3466.68
non tax fee 821
net price 59936.88
MF .00240 residual 56, 36mo/15000, 2500 down
will post 2nd when more details in

eyeonprice0791 · July 2014

for 1st deal monthly amount is 915. Thanks for great info found here

kyfdx · July 2014

@eyeonprice0791 said:
I have 2 deals not sure if they are any good ...Please help me
both are 2015 S4 Texas
1st
selling 59545
discount 3572, rebate 1000
adjusted price 54973
service fee 497
purchase 55470
doc fee 179
tax 3466.68
non tax fee 821
net price 59936.88
MF .00240 residual 56, 36mo/15000, 2500 down
will post 2nd when more details in

They are really, really marking up the money factor.. The base rate is .00140

eyeonprice0791 · July 2014

Thanks for comment on 1st deal
2nd deal
MSRP 55025
discount 1000
price 53989
dealer 497
purchase 54486
doc 179
tax 3405
title..etc 85
acq 695
net 58850
audi care 920
total 59793
MF 00200, 60% 36mo/10000

kyfdx · July 2014

@eyeonprice0791 said:
Thanks for comment on 1st deal
2nd deal
MSRP 55025
discount 1000
price 53989
dealer 497
purchase 54486
doc 179
tax 3405
title..etc 85
acq 695
net 58850
audi care 920
total 59793
MF 00200, 60% 36mo/10000

Still a large markup on the money factor... .00140 is what you want..

parris69 · July 2014

Hey Guys,

Just wanted to give a quick update what the dealer came down to & would like your opinion.

- $0 down
- 811 / mo includes all taxes
- 1st payment on Audi
- 36 mo lease
- 12k miles / yr
- Audi Care included

I believe they said residual would be 59%, not sure about the MF this time but sure seems a lot better than the first offer which was $1667 down, no 1st payment from Audi (so realistically $2519 down) $852 / mo

What do you think?

Thanks!

Michaell · July 2014

@parris69 said:
Hey Guys,

Just wanted to give a quick update what the dealer came down to & would like your opinion.

- $0 down
- 811 / mo includes all taxes
- 1st payment on Audi
- 36 mo lease
- 12k miles / yr
- Audi Care included

I believe they said residual would be 59%, not sure about the MF this time but sure seems a lot better than the first offer which was $1667 down, no 1st payment from Audi (so realistically $2519 down) $852 / mo

What do you think?

Thanks!

What is the MSRP and negotiated selling price? Audi Care does increase the residual by 1%.

parris69 · July 2014

The sheet I got says:

Net Cap Cost : 56,876.70
Gross Cap Cost: 57,876.70

Retail MSRP : 59,000.00

Michaell · July 2014

@parris69 said:
The sheet I got says:

Net Cap Cost : 56,876.70
Gross Cap Cost: 57,876.70

Retail MSRP : 59,000.00

Plugging in your numbers with the base MF of .00140 and residual of 59% (36/12 with AudiCare) I get a pre-tax payment of $741.30.

parris69 · July 2014

Thanks Michaell!

If I add local taxes to that it comes out to $791.89

I guess I can't expect a dealer to make no money on a deal...?

Michaell · July 2014

@parris69 said:
Thanks Michaell!

If I add local taxes to that it comes out to $791.89

I guess I can't expect a dealer to make no money on a deal...?

Quite true.

jctw769 · July 2014

Great forum, thank you. I have a purchase/finance question pertaining to these leases. If I wanted to purchase a preowned S4 that's just been returned from a lease, and the lease residuals are a nominal 60 percent, should I be able to buy a 2012 S4 that originally listed at $55k for about $33k plus dealer profit? Instead, I'm seeing them advertised at 40-45k (80 percent and higher). What could I expect to drive this price down to? Do the residuals just not matter when it comes to resale? Thanks very much.

soonersfan76 · July 2014

So, here is the deal I am being offered, on 36mo/15K

2014 S4 Premium Plus, Nav package with Side Assist, 19 inch wheel package.
MSRP: $58245
Sale Price: $54716
Trade Net: $8200
Tax/Tags: $2415.02
Processing fee: $839
Conquest: -$1000
MF: 0.00089
Residual: .52
Payment: $602

Does this sound like a proper deal concerning the Money Factor, residual, and payment?

Michaell · July 2014

@jctw769 said:
Great forum, thank you. I have a purchase/finance question pertaining to these leases. If I wanted to purchase a preowned S4 that's just been returned from a lease, and the lease residuals are a nominal 60 percent, should I be able to buy a 2012 S4 that originally listed at $55k for about $33k plus dealer profit? Instead, I'm seeing them advertised at 40-45k (80 percent and higher). What could I expect to drive this price down to? Do the residuals just not matter when it comes to resale? Thanks very much.

Residual and resale value are not related to one another. If the dealer buys the car from the finance company for the residual value, the dealer may still put money into reconditioning it. If they want to make it CPO, then that costs extra as well for the warranty.

Then add profit onto that.

Michaell · July 2014

@soonersfan76 said:
So, here is the deal I am being offered, on 36mo/15K

2014 S4 Premium Plus, Nav package with Side Assist, 19 inch wheel package.
MSRP: $58245
Sale Price: $54716
Trade Net: $8200
Tax/Tags: $2415.02
Processing fee: $839
Conquest: -$1000
MF: 0.00089
Residual: .52
Payment: $602

Does this sound like a proper deal concerning the Money Factor, residual, and payment?

S4 Prem + MF is .00032, so your dealer is marking that up quite a bit on you. Residual is 52%, per dealer.

Is the entire $8200 trade equity being used as a down payment? We wouldn't recommend that you do that - if the vehicle is stolen or totaled, you are out that money. Instead, look at using the equity for MSDs to lower the MF.

soonersfan76 · July 2014

@Michaell said:
Is the entire $8200 trade equity being used as a down payment? We wouldn't recommend that you do that - if the vehicle is stolen or totaled, you are out that money. Instead, look at using the equity for MSDs to lower the MF.

I was going to use it as a down payment. How does the MSD work? Are you sure on the MF: 0.00032 seems way below what everyone else is saying.

Michaell · July 2014

@Michaell said:
I was going to use it as a down payment. How does the MSD work? Are you sure on the MF: 0.00032 seems way below what everyone else is saying.

That is the base MF from Audi Finance.

Each security deposit is the amount of the payment, rounded up to the next $25. Each security deposit reduces the MF by .00005. A maximum of 9 security deposits can be made. You get your money back at the end of the lease.

eyeonprice0791 · August 2014

Did the lease numbers change for Aug? Thanks

Michaell · August 2014

@eyeonprice0791 said:
Did the lease numbers change for Aug? Thanks

Audi August numbers should be available to us tomorrow 8/5.

supra911 · August 2014

let's get those numbers.

kyfdx · August 2014

@supra911 said:
let's get those numbers.

We've got em... what model, trim, term and mileage?

2010drive · August 2014

@kyfdx said:
We've got em... what model, trim, term and mileage?

2015 Audi S4, Premium Plus, 36 months, 15K per year. Can I also get the residual for the Prestige with the same terms. Thanks

kyfdx · August 2014

.00140 MF and 56% residual. Prestige residual is 53%

2010drive · August 2014

Thank you...So MSD's only reduce the MF by .00005 each? I thought they use to be .00008 each?

Michaell · August 2014

@2010drive said:
Thank you...So MSD's only reduce the MF by .00005 each? I thought they use to be .00008 each?

Not for Audi ...

jctw769 · August 2014

Would you kindly provide August numbers for 2014 S4 premium Plus, 36 mo, 12k?

kyfdx · August 2014

@jctw769 said:
Would you kindly provide August numbers for 2014 S4 premium Plus, 36 mo, 12k?

.00032 MF and 54% residual

pworld10 · August 2014

Lease numbers for 2015 S4 premium plus 36mo 12k, and 15k?

Michaell · August 2014

@pworld10 said:
Lease numbers for 2015 S4 premium plus 36mo 12k, and 15k?

.00140 and 56% for 36/15. Add 2% for 12k

eyeonprice0791 · August 2014

What monthly payment should I expect for this lease including tax? if 0 down 36mo/15K in Texas with base MF and residual. How much due at signing? Thanks for your help.
MSRP 59545 discount 3572, rebate 1000 adjusted price 54973 service fee 497 purchase 55470 doc fee 179 tax 3466.68 non tax fee 821 net price 59936.88

kyfdx · August 2014

@eyeonprice0791 said:
What monthly payment should I expect for this lease including tax? if 0 down 36mo/15K in Texas with base MF and residual. How much due at signing? Thanks for your help.
MSRP 59545 discount 3572, rebate 1000 adjusted price 54973 service fee 497 purchase 55470 doc fee 179 tax 3466.68 non tax fee 821 net price 59936.88

Is it Premium Plus or Prestige? We'll assume Premium Plus for this calculation.

.00032 MF and 52% residual

$835/mo.

caslaton87 · August 2014

Hey guys, I got the following offer on a 36mo, 12k/year lease for a 2014 Audi S4 Premium Plus: MSRP $57,290 - Discount $3,231 = Sale Price $54,059 - Conquest $1,000. Residual: $31,509.50, MF: 0.00092. Down payment of $3,500, which includes Audi Care $880, Doc Fee $398, Tags $55, Downpayment Tax $88, State Tax $13, AFS fee $650. Monthly payment is: $659.74, first month's payment waived. Is this a good deal, or should I shop around? Thanks for your help.

Michaell · August 2014

@caslaton87 said:
Hey guys, I got the following offer on a 36mo, 12k/year lease for a 2014 Audi S4 Premium Plus: MSRP $57,290 - Discount $3,231 = Sale Price $54,059 - Conquest $1,000. Residual: $31,509.50, MF: 0.00092. Down payment of $3,500, which includes Audi Care $880, Doc Fee $398, Tags $55, Downpayment Tax $88, State Tax $13, AFS fee $650. Monthly payment is: $659.74, first month's payment waived. Is this a good deal, or should I shop around? Thanks for your help.

Base MF of .00092, so that's a good start. Adding 1% to the residual for AudiCare is always a good idea. I am calculating about 5.6% off MSRP, which is a decent discount. You might ask for more - 5-7% is what I've been seeing.

If my math is right, $1428 of the $3500 up front costs are going to cap cost reduction, which takes your net cap cost to $51,631.

I get a pre-tax payment of $635.42 with those numbers (55% residual).

Seems a solid deal.

caslaton87 · August 2014

@Michaell said:
Seems a solid deal.

Thanks for the input. I'll propose 8% off MSRP, see if they come back with 6.5-7%. Can't leave anything on the table.

blackhawk123 · August 2014

Hello,

Here is a deal I'm being offered by my Audi dealer:

2014 S4, MSRP $58,285, 10k miles, 36 months lease:
Negotiated selling price $53000,
MF 0.00032,
Residual 55%,
$3694 Down (+ tax),
Payment (pre tax) comes out to be $560.

Are the Residual and MF the correct and current offered by Audi?
Is this deal a good deal for a 2014?

I'd appreciate any input.

Thank you

516teddy · August 2014

So is my math sound good for what I would most likely be able to get an s4 for . 2015 s4 Premium plus
msrp 57,000
7% off, 53010
less incentives 1000
sale price of 52,010
money factor of .00140
NYS tax of 8.625
residual of 57
Audi care 800
3000 down

I get 615 (567+48 tax) a month.

Do you know if money factors on 2015s will drop any time soon?

Thank you

kyfdx · August 2014

@blackhawk123 said:
Hello,

Here is a deal I'm being offered by my Audi dealer:

2014 S4, MSRP $58,285, 10k miles, 36 months lease:
Negotiated selling price $53000,
MF 0.00032,
Residual 55%,
$3694 Down (+ tax),
Payment (pre tax) comes out to be $560.

Are the Residual and MF the correct and current offered by Audi?
Is this deal a good deal for a 2014?

I'd appreciate any input.

Thank you

Those are the base rates.. .you need a CAP cost of about $51,250 to get to the $560/mo. payment.. $1750 CAP reduction leaves $1950 of the down payment for 1st payment, acquisition fee, title/license/doc fees.. If that adds up, then it's a pretty good deal.

But, 1st payment should be covered by Audi under The Summer of Audi event.

kyfdx · August 2014

@516teddy said:
So is my math sound good for what I would most likely be able to get an s4 for . 2015 s4 Premium plus
msrp 57,000
7% off, 53010
less incentives 1000
sale price of 52,010
money factor of .00140
NYS tax of 8.625
residual of 57
Audi care 800

I get 615 (567+48 tax) a month.

Do you know if money factors on 2015s will drop any time soon?

Thank you

I get $660 + tax.. Don't forget the acquisition fee of $695. Also, Audi covers the 1st payment. 7% off MSRP might not be achievable on a 2015 model.. 5%-6% is more likely.

NYS tax is calculated on the payments, but added to the CAP cost upfront.. That will result in a payment that is a couple of dollars higher, as well.

516teddy · August 2014

@kyfdx said:
NYS tax is calculated on the payments, but added to the CAP cost upfront.. That will result in a payment that is a couple of dollars higher, as well.

Thanks for the reply I forgot in my original post 3000 down. I think thats why our numbers are so far off. That or I'm an idiot haha

121 · August 2014

Hi, got a quote from a CA dealer for a 2014 S4.
/ MSRP 56,345 /
Selling price 52,192 /
0 down /
12k miles year /
MF .000320 /

payment comes at 631.06 + tax = 687.85

How does this sound ?

Michaell · August 2014

@121 said:
Hi, got a quote from a CA dealer for a 2014 S4.
/ MSRP 56,345 /
Selling price 52,192 /
0 down /
12k miles year /
MF .000320 /

payment comes at 631.06 + tax = 687.85

How does this sound ?

Base MF for the S4 is in fact .00032 for 2014, with a 54% residual for the Premium Plus trim (36/12).

With your MSRP and selling price, I get a pre-tax payment only .02 different than the dealer quote.

Seems a solid deal.

blackhawk123 · August 2014

@kyfdx said:
But, 1st payment should be covered by Audi under The Summer of Audi event.

Thank you for your help. Indeed final numbers were different:
MSRP $58,285, Negotiated selling price $52,300, Audi Care included, First payment on Audi, $3900 Down, $50,275 net cap cost, MF .00032, Residual 56%, 10k miles a year. $551 monthly payment on a 36 months lease (35 remaining).

gkaz · August 2014

Hi all! I'm looking to lease a 2014 S4 Premium Plus. MSRP $57,740. I'm considering 42 month term and either 7,500 or 10,000 miles (I don't drive a lot) and looking for term/miles combo with lowest lease payment. Few questions:
(1) What are MF and Residuals I should expect?
(2) What is reasonable negotiated discount (%) off MSRP?
(3) What are fees (acquisition, disposal, etc.) that I need to factor in?
(4) Is there a better term/miles combo that would get lower monthly payment?
Thanks!

2014 Audi S4 Lease Questions

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