Lease Questions - Ask Here

jenm11

Is there a lease program where you can pay the entire lease upfront? Is there any financial benefit to doing so?

Thanks
Jen

drew10

Car_man,

Welcome back!
I want to figure the monthly lease payment on a '05 Subaru Outback LL Bean Edition Wagon and also the '05 Outback 2.5I Wagon. Can you please tell me the residual and money factor for a 36 month lease for both 12k and 15k miles/year for these cars. Thanks so much.

hamiltonmd

I am about to lease a GMC Envoy.

Pertinent facts:
MSRP = 36528
Lease Price = 31426
Residual = 65% ($20,000) (seems VERY high??)
Term = 48 months
Miles = 12k /year
Interest = 5.9%
No down payment
State Sales Tax is 9%
Acquistion Fee is $595 (Only fees involved, according to Dealer)

I was quoted a lease of $419.00 / month

What SHOULD my lease payments be with the information above?

I appreciate any help or guidance!

Thanks!!!!

jerhot

Help Car Man...I can't find a lease calc specific for Illinois( you have to pay tax on the whole thing up front). If anyone can work it, I would much apprec your help. MSRP: EX-L with 32,800. Price with options: 30,000. Due at signing 3,500. I think the residual value is btwn 56-58%. Money factor: .00119. Lease term 36 month/15k per year. Sales tax: 6.5%
Thanks

From your post, it is not evident if you want to pay the tax up front, as required by your state, or wrap the tax into your payment. This is possible to do, even in states where the tax is due up front.
In some states, the tax is simply added on to your montly payment, and your state gets the tax each month. In Ohio, where I currently live, the tax is due up front, meaning the state gets the whole lump sum on day one. I wrapped the tax into my lease, which means it became part of the cap cost (so the state got the whole amount at the beginning), but it also means I pay interest on it. I figured this was acceptable, since I would rather pay the couple of dollars each month in interest than cough up all of the taxes and risk losing the money if my car is totaled or stolen. I negotiated a sign and drive lease on my 2004 Odyssey with $0 down and $0 due at signing.
I was also prepared before going to the dealer with a lease calculator I made up in Excel. I would be glad to let you use it. Send me an e-mail (hoth@progressive.com) and I will pass it along.

babygirl0025

I am interested in leasing the 2005 Mercury Mariner FWD Premier, with the employee discount it shows a price of $23,982.72. I have a couple of questions, and am praying that you can provide me with some answers, this is my first time leasing a car. The website lists a cash back amount of $2,000, will they deduct this amount from the price if you are doing a lease or does it just apply if you are purchasing the car. 2nd question, can you give me an estimate price per month for a 4 year/15,000 mile lease. 3rd question is about extended warranties. Do you think its worth the money to purchase for a lease? 4th and final question...can you ask the dealer to throw in extras such as cargo cover, etc. Any suggestions or comments that you can provide would be extremely helpful. Thanks!

jerhot

I am about to lease a GMC Envoy.

Pertinent facts:
MSRP = 36528
Lease Price = 31426
Residual = 65% ($20,000) (seems VERY high??)
Term = 48 months
Miles = 12k /year
Interest = 5.9%
No down payment
State Sales Tax is 9%
Acquistion Fee is $595 (Only fees involved, according to Dealer)

I was quoted a lease of $419.00 / month

What SHOULD my lease payments be with the information above?

I appreciate any help or guidance!

Thanks!!!!

First of all, GMC is either insane to prop up the residual value of this truck to 65% after four years, or you have been given the wrong information.

However, if that is correct, it seems to me that something is still fishy. I come up with a payment of just over $350 month, and that includes $0 down and the 9% tax, as well as $100 documentation fee and a $50 registration fee, which you say is not included.

By the way, 65% of $36,528 is $23,743, not $20,000. If I run the residual of $20,000, which is really about 55% (still insane for this truck after four years), I get closer to the $419 figure, at $429/month.

I think you have a pretty good deal, just make sure you aren't suckered into buying it four years down the road for $20,000 when there will be plenty of them on dealers lots for $15,000 or less. And don't try to negotiate this kind of a price with GM, as they have insurance against this and would rather collect on it than sell it to you for a loss of $5000.

rocstar143

i dont know if this helps any but i foun this article about getting the best rate...im looking to buy a car so these articles have been helping me out a lot.

http://associatedcontent.com/content.cfm?content_type=article&content_type_id=5257

scott21

Car Man,
Can you provide money factor and residual for 36 mo 12,000 mile lease. Thanks.

kywon

Yea, Car_Man's back! Welcome back.

It's crunch time as my lease on my Saab is up on the 31st of THIS MONTH so I really need to figure out what I'm going to get next. If you would please provide me with the MF and residual for 3yr - 12k and 15k miles on the Acura TL w/ Navi and the Subaru Legacy GT sedan and any incentives that apply to leases on both of these models in California.

From what I've seen, it looks like money factors are going up and residuals are going down. There don't seem to be many lease programs with MF at or below .002 right now. Can you think of any other sedans in the $28-35k range with good lease deals (other than Audi) that I should look at?

Thank you very much.

kywon

toddler4372

All right...how to make a long story short. My wife leased a Jeep Liberty 3 years ago. It was a 4 year lease. I decided I wanted to purchase it before the lease was up with some of our home equity. I called Chrysler Financial and they said I would have to buy it from the dealership my wife originally got it from, the ones "holding the lease," they said. However, that dealership had since gone out of business. Chrysler Financial said they didn't know who would now be holding the lease and to contact a nearby dealership who could get the lease transferred, so I did. I talked to the fleet manager at a nearby Jeep dealership who said he could get the paperwork he needed to sell me the car.

A couple days later, he quoted me a price that sounded good, a price that was a little less than the residual plus the remaining payments we had. We went in and purchased the Liberty from him.

Next, I received a letter from Chrysler Financial saying we still owe all the payments (about $5000) because we "turned in the car" prematurely. I end up having to fax them the bill of sale, which helps...but then they say that the price it was sold to me was $1000 less than what I was contractually obligated to pay. I tell them I have the Bill of Sale, but they say that I'm still responsible for the $1000 difference. I contact the guy I bought the car from, and he's having his used car manager check it out. He says he didn't know we still had a year left on the lease. I thought that I had explained that to him at the beginning...plus, he said it was no problem to get the lease terms/paperwork/everything he needed to sell me the leased car.

So now I'm worried this is going on my credit if I don't pay it...yet I feel the dealership should be responsible for it. There doesn't seem to be any sort of process...no communication between Chrysler Financial and the dealership. What's going on here? What can I do?

Thanks for any help...

panda71

Dear Car_Man,

Hope you are better now,,,
I have a quick question on G35X lease numbers.
Infiniti dealer just quoted me for following lease numbers, please let me know that this is a good deal;

05 G35X with Sunroof/Trunk Mat (MSRP $34,610)
$1,500.00 down; 36 Month / 12K miles per year
$366 + tax (if I want Prem C, $13 more per month so $380 per month)

Is this a fair number?
:confuse:

jnabb

I am looking at leasing a 2005 4Runner. I drive 25,000 miles a year. So my cars depreciate like crazy. I like the idea of a lower monthly payment. What can I expect to pay for a 3 or 4 year lease? Is either one better than the other? What would I have to put down?

marys236

Carman, I'm thinking of leasing a Mercury Mariner 4wd Premier, MSRP 30,050, selling price of 26,500, 3yr, 15k, in Oklahoma. Please let me know the mf and residual, and what the lease payment would be. I'm planning to pay cash for the ttl, security deposit and 1st month pmt. Thank you.

daneec

Car Man,
Would you mind giving me the money factors for a 39 month lease on a $25,500 (MSRP) 2005 Honda CRV? 15,000 miles per year..
thanks

viperz4

Hi Carman, I would like your input on this lease quoted by the local Acura dealer:
2005 MDX base model MSRP $37,470
Residual value = $23000 (61% approx)
12000 miles / 36 months
$1500 total out of pocket expense
money factor = 0.0018
$465 / month. including tax, tittle and license. (I am in Iowa)

Thanks!

steine13

"I called Chrysler Financial and they said I would have to buy it from the dealership my wife originally got it from, the ones 'holding the lease,' they said."

This puts it in the twilight zone.
I've never heard of a dealer "holding a lease". Financing for a sale, OK, on a used car with bad credit. But new? And a lease? I don't buy it.

"Next, I received a letter from Chrysler Financial saying we still owe all the payments (about $5000) because we "turned in the car" prematurely."

This makes a little more sense.

I'd look into my paperwork; I have a feeling this comes down to the small print.
As far as real information, I'll wait for the pros to speak up. But it seems to me when the deal is concluded, it ought to be concluded.. and if the dealer who took your Liberty in on trade can't read, doom on him.

-Mathias

ablgi

interesting comments since i just went this past weekend to lexus dealer and unfortunately had a bad experience. went to this site for help and found your recent question and reply. thanx. I was quoted for 2005 FWD RX 330 (36 mos/12K miles) with Nav but no rear DVD (MSRP 42,858) - Residual value of 54% and money factor of .00287 - AND THIS WAS FOR TOP TIER CREDIT!!! Also, dealer only willing to sell at $1500 under MSRP! Too bad since they were unwilling to budge so i left. What a joke.

mbx4steve

I am not sure if this question has already been asked. But it's difficult to find what I would like to know with so many different forums. Here's the question...

Are there any special leasing deals in January for the Volvo S60 2.5T?

I need help on deciding if this month (July) is the best time to lease an end of year model 2005 Volvo S60 2.5T when I don't really need the car until early 2006 (current Ford Explorer still runs good but will need replacement soon).

According to Volvo, the current lease program for a 2005 S60 2.5T is $319 for 36 months with about $3,000 down. But the mileage is limited to 10K/yr. To purchase, there's the $4,500 cash to dealers effective till 8/1/05. Edmund's TMV is about $28.7K (vs. $31.8K invoice). Already got a firm quote from a local dealer for $28.6K to purchase; and I am asking for payment quotes on 12K and 15K miles/year lease programs.

If I miss this "opportunity", does anyone remember if there are similar leasing programs 6 months later (in January)? when sales is usually slow right after Christmas and tax season is coming.

I do remember seeing special deals in January but couldn't remember the details or if it was with a different company. And I understand that the model will be 2006 (which is not much different than the 2005 for the S60).

Any suggestion is appreciated.

castlerock

I have the same question (I signed a lease but don't have the car yet.) They cannot locate the vehicle I want, but made me pay $500 to find it. In the meantime, another dealer gave me a great offer. Can I cancel it the lease I signed?

Can anyone help me?

Thank you very much.

italia233

Hey car man, thanx for the quick reply. I believe in my first post I quoted what the dealer told me when i went and negotiated but maybe you didn't see it so here you go. The msrp is around 80k with the option packages that I asked for. I got them down to 75k out the door. The deal they came up with is $900 down and $883 a month for a 48 month lease with 12k miles a year. This will all be with tier 1 credit. If you need any more info from me, just let me know. Thanks again. I'm planning on picking up the car on friday if you confirm it is a good deal, if not, I will just go do some more negotiating with the newfound knowledge that you will provide. Have a nice night.

CarMan@Edmunds

I suppose that Lease_man would be an appropriate name, wouldn't it. General Motors Acceptance Corp., GM's captive finance company, publishes what are known as lease rates instead of money factors for the vehicles that it leases. One can convert lease rates into approximate money factor equivalents by dividing them by 2400. GMAC's base lease rate for a 3 year lease of a 2005 Hummer H2 is currently only 5.6%, but you were quoted a rate of 6.45%. It would not surprise me if the dealer that you are working with is trying to make up for the lack of profit in sales through GM's Employee Purchase Program by marking-up your truck's lease rate to add some additional back-end profit to your deal. This sort of thing seems to be happening a lot with GM dealers lately. Using GMAC's actual lease program for a 3 year, 12,000 miles per lease of this truck, a lease rate of 5.6% and a residual value of 59%, I estimate that this truck should have a zero down, pre-tax monthly payment of around $689. As you can see, the payment that you were quoted is a little on the high side.

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CarMan@Edmunds

You're welcome Beth. According to the latest information that I have seen, if you were to lease a 2005 Jaguar X-Type 3.0L with an automatic transmission through Jaguar Credit right now for 2 years with 15,000 miles per, its base lease money factor and residual value should be .00016 and 48%, respectively. The numbers for an otherwise identical 3 year lease should be .00125 and 41%.

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CarMan@Edmunds

You're welcome Spudito. I estimate that a 2005 Honda Odyssey EX-L without navigation or the rear entertainment systems with an MSRP of $31,010 and a selling price of $28,748 price should have a 48 month, 12,000 miles per year zero down, pre-tax monthly payment of around $390. With a $2,000 capitalized cost reduction, this van's lease payment would drop to around $343.

Shopping around via e-mail doesn't hurt if you can find dealers to give you actual numbers. The problem is that many dealers are afraid that you will take their e-mailed numbers right out to your local dealer and beat them. You might as well e-mail a few dealers to see what happens. It doesn't take very long. Still, there's no substitute to face to face negotiations for hammering out a deal. Physically going to a dealership shows dealers that you are serious.

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CarMan@Edmunds

No problem ltaze.

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CarMan@Edmunds

Thanks dxcoqui. I am not aware of any web site that provides information on manufacturers' current lease programs to the general public. I have a good idea of what it going with manufacturers' programs because I have been in the industry for a long time and have a number of contacts.

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CarMan@Edmunds

Thanks for the additional informaiton ibs. OK, so you are in Toyota's Chicago region. I believe that in your area Toyota Financial Services' 3 year base lease money factor for the 2005 Sienna is currently .00142. Its 3 year, 15,000 miles per residual value for an '05 Sienna LE is 59%. The number for an otherwise identical lease of a 2005 Sienna XLE should be 54%. Its 12,000 miles per year residual values are 2% higher.

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CarMan@Edmunds

Hello kolbster. Saab Financial Services Corp.'s current base lease money factor for a 3 year lease of a 2005 Saab 9-3 Arc Sedan should be .00155. The residual value for a 3 year lease of this car with 12,000 miles per should be 49%. It appears as though the dealer that you are working with is attempting to mark up your car's base money factor to add additional back-end profit to your deal. This is a fairly common occurrence with sales through GM's employee purchase program because dealers are trying to make up for the low profits that they get from selling vehicles through this program. Just because this sort of thing happens a lot, does not mean that you should not insist that this car's base money factor is used to calculate your monthly lease payment. According to my calculations, if you were to lease this car, with an MSRP of $34,535 and a selling price of $28,450 through SFSC right now for 3 years with 12,000 miles per, your zero down, pre-tax monthly payment should be around $391. The payment for an otherwise identical 2 year lease would increase to around $413. Your vehicle's disposition fee is determined by the bank that you are leasing through and individual dealers do not have the authority to waive them.

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CarMan@Edmunds

Thanks Bob. Let's calculate a sample lease payment on the truck that you are interested in and see what we come up with. According to my calculations, if you were to lease a loaded 2006 Subaru Tribeca 7-Passenger Limited with an MSRP of $38,906 and a selling price of $36,279 through Subaru's captive finance company right now for 39 months with 12,000 miles per year, your zero down, pre-tax monthly payment should be around $439. The payment for an otherwise identical lease with a $2,000 capitalized cost reduction would drop to around $385. I always advise consumers against making any sort of down payment when leasing. I do so for two main reasons. The first is if your vehicle is totaled in an accident or stolen during your lease, your insurance company pays off the bank that you were leasing it through and your down payment essentially disappears. The second main reason is that down payments on leased vehicles do nothing to reduce their lease-end purchase prices. So your lease-end purchase option price for your Tribeca would be exactly the same, regardless of whether you had put $2,000 down, or had made absolutely no down payment at all.

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CarMan@Edmunds

You're welcome baggs32. I am glad that I was able to help you out. Ahhh, I see that you meant the regular Explorer. I was confused because the 2-Door Explorer aka the Sport was dropped a couple of years ago, so I figured that you meant the Sport Trac. I forgot that there is a "Sport" package out there. If you were to lease a 2005 Ford Explorer XLT 4WD through Ford Credit in most areas right now for 3 years with 12,000 miles per, its base lease rate and residual value should be 2% and 42%, respectively.

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CarMan@Edmunds

Hi castlerock. I wish that I could help you out, but unfortunately GM's incentives and lease programs are different in Canada than they are here in the U.S. Unfortunately, I do not personally keep tabs on manufacturers Canadian programs. Sorry that I could not be of more help.

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CarMan@Edmunds

Hello leto. If by "nearly new" cars you are talking about dealer demos and service loaners that have never been titled, then these vehicles would be eligible for manufacturers' new vehicle lease programs. However, once a car has been titled and it is officially "used" it no longer qualifies for new vehicle leases. The problem that I have with demo vehicles is that most dealers never seem to be willing to provide large enough discounts on what are essentially low mileage used vehicles to justify purchasing or leasing one over an otherwise equivalent brand new model. If you can find a demo with an attractive price, leasing it can be a good deal. The price that you are charged for a demo should be exactly the same as the price that a bank would be charged for it if you were to lease it, unless there is some sort of special cash incentive that is being used to arrive at the purchase price that you were quoted that cannot be used in conjunction with leasing.

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CarMan@Edmunds

Hello mike2ff99. I would be happy to calculate a sample lease payment on this truck for you. According to my calculations, if you were to lease a 2005 Honda Pilot EX-L with an MSRP of $32,800 and a selling price of $30,000 through American Honda Finance Corp. right now for 36 months with 15,000 miles per year, your zero down, pre-tax monthly payment should be around $381. If you have to pay sales tax on your truck's entire selling price it would come out to an additional $1,950. Adding that into your truck's capitalized cost would increase its monthly payment to around $438.

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CarMan@Edmunds

Hello Jen. A number of banks have programs that allow consumers to pay for their entire leases in advance. Despite the fact that banks get all of your money at the beginning, for some reason they still charge interest on pre-paid leases though. Whether or not it makes financial sense to pay for an entire lease in advance depends upon the reduction in your vehicle's interest rate that the specific bank that you are leasing through provides for pre-payment.

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CarMan@Edmunds

Thank you drew10. According to the latest information that I have seen, if you were to lease a 2005 Subaru Outback LL Bean Edition Wagon through its captive finance company right now for 36 months with 15,000 miles per year, its base lease money factor and residual value should be .00110 and 54%, respectively. The numbers for an otherwise identical lease of a 2005 Subaru Outback 2.5i Wagon should be .00100 and 51%. If you were to lease either of these vehicles with only 12,000 miles per year, their residual values would be 1% higher. When negotiating your deal on either of them, make sure to take the fact that Subaru is providing $500 lease cash on them this month into account. This money will help you to negotiate an attractive capitalized cost.

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pelequero

Carman,

I'm looking to take out a balloon loan on a 2005 Honda S2000. I live in New York. Can you please provide residuals and MF's for 36/12K and 39/12k. Also, I know you normally frown upon down payments for leases due to possible car theft/insurance issues. Do you recommend the same for balloons as well? Or is it OK to put money down since I will be getting the title? Thanks in advance.

qbrozen

May I also suggest an S60, either T5 or, preferrably, R?

With the deep discounting typically happening on these cars, they should both fall into your pricerange.

catheryn2

Can you please give me the residual and money factor for a 2006 mercedes clk350 cabriolet:
39 months
msrp $54,475
purchase price $55,695

can you also calculate my payment for me?
Thank you,
Also, If I were to prepay this lease, how much would the money factor be?
How much would I save on this lease?
Also I live in MIch. 6% tax

leto

those cars have definitely NOT been titled.
I guess, the biggest challenge here is how to deal with those dealers.
They ALL refuse to disclose what RES. VALUES have been appointed by the banks; they refuse to disclose MONEY FACTOR.
When I try to talk logically and mathematically with a sales manager his attitude was like " everyone's monthly payment is in the neiborghood of high $300's why should yours be lot less"?
Plainly, they just refuse to right a lease contract with given numbers.

Is there any legal/administrative mechanism that would prevent them from killing the deal that would satisfy both a customer and a bank?

I do not think that is THAT manager only: that it over all trend.

ibs

Thanks again Car Man. One last question for you on the Sienna . . . are the numbers the same for the AWD versions?

davidw2

Carman,

I have just been quoted payments of $526/month for a 36 month, 12k miles per year lease for a 2005 Acura TL with Navigation. This includes tax with
$1,298 due at signing. Is this a good deal? Thanks.

crj1

You can't have a lease with out a car, the contract would have to have the VIN# on it and the exact mile. Ask for your $500.00 deposit back and go elsewhere.

ern16

Hi Carman. Can you help me out with some numbers on a 2005.5 Audi A4 2.0 CVT lease. MSRP on the car is $34695. I would like to lease for 36 months with either 12k or 15k mi/year. First, now that the 2006's are coming in soon, are there any dealer incentives to sell the 2005.5's. Basically, what do you think is a good sell price for me to shoot for? Also, what would the MF be? and what are the estimated monthly payments on the car? Thanks for all of your help. I'm in California, so tax is 8.25%.

jmax1

I have owned and leased several Hondas over the years, but as I get older I'm trying to get wiser. As I looked over my lease paper work on 2003 Honda Accord EX I feel I'm getting ripped off. Leasing paper work from Honda Financial.
adjust cost-22,382., depreciation amounts 8437.54, residual- 13944.60, rent charge 3138.48, 36 months monthly payment 337.64 total payments 12,605.90. Lease is over 1/11/06 , If I buy the car I feel I'm paying too much. Should I send it back and start over. I did have equity in my last honda civic and have nothing now. Please give me your opinion. Thank you.

maben

Hello Carman. I was hoping you would be able to help me figure out a monthly payment on an Infiniti M35 I'm considering leasing. MSRP on the car is $42,790 and I would like to lease it for 3 years at either 12K or 15K per year. I live in VA and the sales tax here is 5% (4% state, 1% local). Thanks in advance for your help!

rblnr

Thanks Car Man, you're my 4-wheeled hero.

bp714

Thanks once again, car-man. Actually, I was looking at a 39 mo lease with 15,000 miles per year.

I ordered a car and locked in the june rate of .00211 and 62%, or better.

So I was wondering what the July numbers are. Also, do you feel MF's will trend up or down into my August delivery date?

Let me know when you can, and welcome back.

kyfdx

Are you asking if you should buy your car at the end of your current lease?

If so, the answer is most likely NO..

You can lease another new '06 for less than what a 48 month payment would be on your '03...

And, if you decide you want to buy a used car.. You can pick from the whole universe of used cars... You won't be tied into the one you decided to lease, three years ago..

regards,
kyfdx

jmax1

Thanks for the reply, I will turn the car in, in Jan 06. I have excellent credit, like to drive a nice car. I was researching select edition pre owned Jaguar, pre owned Acura, and or Lexus. Are there good leasing deals out there? I live in rural area...but I'm going to be needing a car in Jan. 06. or should I get my own financing and purchase??? Thank you for you expertise. Jimi

desgnconcpts

Dear Car_Man,

Glad you're back and hope you are feeling better. I can see you've been barraged with posts and hope you can reply soon! I did search through recent messages to make sure you haven't answered someone else with what I need to know.

2005 Buick Rendezvous residuals and lease rates:
2 yr 12K, 2yr 30K and 3yr 36K, 3yr 45K
I saw your post Jun 19 re Employee Discount -- and that you cannot take the GM cash incentive into the calculation. I was told by my dealer that residuals have dropped and that lease rates have gone up, making a lease now even with the new discounts about the same as what you could negotiate early in the 2005 model yr.

2005 Saab 97x residuals/lease rates -- again 2 and 3 yr and 12K/15K mileage, what's the difference in residual and rate?

Thank you very much!
Desgnconcpts

CarMan@Edmunds

Hi hamiltonmd. Something definitely is not right about the lease program that you were quoted for this truck. GMAC's current 48 month, 12,000 miles per year residual value for the 2005 GMC Envoy XL is only 54%, which is pretty good but as you suspected no where near 65%. GMAC's base lease rate for this truck and term is currently 4.9%. You were quoted a rate of 5.9%. There is a chance that the dealer that you are working with is marking-up GMAC's base rate to add additional back-end profit on your deal to make up for the fact that they are not making a lot of money on your purchase through the Employee Purchase Program. Let's calculate a lease payment on this truck using GMAC's actual lease program for it and see what we come up with. According to my calculations, if you were to lease a 2005 GMC Envoy XL with an MSRP of $36,528 and a selling price of $31,426 through GMAC right now for 4 years with 12,000 miles per, your zero down, pre-tax monthly payment should be around $349.

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