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2013 and earlier Buick Regal Lease Questions

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  • gwarrenflgwarrenfl Member Posts: 96
    Car_man
    Posted on 7/21 in Lexus is 250 and no response yet, just trying to get your attention!
  • dl7265dl7265 Member Posts: 1,381
    Well it looks like the Leases are gone for August ? Only show 0% interest on a purchase... :(
  • therastheras Member Posts: 95
    Hi Car_Man,

    Thanks for the info, and for checking my math!! How much does the residual go up for 12K and 10K per year leases? Does GM do 10K or must I get 12K?? Thanks again, L.J.
  • eagle9595eagle9595 Member Posts: 15
    edited August 2011
    Car_Man,

    I found this lease advertised from a dealer in NY for a CXL Turbo online. Does this deal sound legit?

    CXL Turbo. $265 a month.
    MSRP = $30,495. 39 month lease, 12,000 miles $1,000 due at signing. Does not include sales tax. Does not include registration and acquisition fees . Security Deposit waived. Must be financed through USBANK. Must take delivery by 09/04/2011. Prior Sales Excluded. Dealer Fees included in price.

    Thanks for the great info guys! Great forum!
  • dl7265dl7265 Member Posts: 1,381
    I think CAR _MAN is on Vacation . :shades:

    I was told the incentives for August through USBANK were better than July. However , I was quoted a higher price.

    TO2 MSRP $30,720 , sales price $29894. 48 months, 12kmiles for $354 month with just 1st months payment down $354. They said 36 months would be about $30 a month higher.

    eagle9595, not knowing what your tax rate is there, that sounds pretty good.

    CAR_MAN can you give me the MF and residual for August on a TO2. through USBANK with 12kmiles for 36 months, and any lease cash allowance ?

    Regards,
    DL
  • eagle9595eagle9595 Member Posts: 15
    Hi dl,

    That is an advertised lease in NY sales tax not included in that monthly quote.
  • iumichaeliumichael Member Posts: 2
    Just picked up a carbon black metallic T06 last night in southern Indiana. US Bank lease. Details are as follows:

    MSRP $33,385
    Selling price $31,700 (apparently $1k dealer cash doesn't apply to leases)
    39 months
    Residual $14,021.70 (42%)
    US Bank lease rebate $4,450
    MF .00039
    Acquisition fee $695
    $1,140 due at signing ($425 security deposit, $403.65 FMP, $311.50 IN sales tax on rebate)

    Went with US Bank instead of Ally even though the money factor was .00039 vs .000015 with Ally. Lost $50 on the lease rebate, but the purchase option at lease end is $395 compared to Ally's $2,500.
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're welcome dl7265. Sorry that you weren't able to get the price that you were looking for.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi theras. Ally's 12,000 mile per year residual values are 2% higher than its 15,000 mile per year residuals. I know that Ally offers 10k leases Cadillac vehicles, but I'm not sure about Buicks. If it does offer 10k leases on Buicks, its residuals for them would be 3% higher than the 15k resids.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're right dl7265. I was on vacation :shades: . I'm back now though and ready to help. See you around.

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  • therastheras Member Posts: 95
    Thanks for the detail Car_Man. I hope you had a nice vacation.

    I will wait a couple of weeks and see if I want to make the switch from Mazda to Buick later this month. Thanks for arming me with this information.
  • dl7265dl7265 Member Posts: 1,381
    Thank you Sir. Hope you had a good vacation.

    Can you give me the MF and residual for August on a TO2. through USBANK with 12kmiles for 36 months, and any lease cash allowance ?

    Also, TX pays sales tax on the total amount of the car, not just the "rented" portion like other states do. Should that be factored on the total msrp ? or the negotiated sales price correct ?
    Thanks again,
    DL
  • ashley_sashley_s Member Posts: 10
    Hi,

    I was hoping you could look at these figures that I received today and let me know what you think.

    MSRP $29,720 (turbo + destination supposedly)
    MSRP $28,720 (from website without destination)
    Invoice $29,142 (From dealer incl. destination and ad fees)
    Invoice $27,706 (from TrueCar)

    Gross Cap Cost $29,487
    Cap reduction ($4500) Includes all rebates from Ally and Manufacturer supposedly

    Money factor with Ally .65 (does that sound high??)
    Residual $13,968

    Base pmt $316.77
    pmt incl taxes $339.74

    $1338.74 due on delivery (Gap ins. included on all leases or so I was told)

    Should I be negotiating down the gross cap cost to be closer to invoice without dealer fees? I did confirm on TrueCar that the invoice figure + dest/ad fees is within about $300 or so. What am I missing here? What else should I be asking for or is this a good deal?

    Thanks in advance for your help. :)
  • bsquared81bsquared81 Member Posts: 4
    Hey iumichael,

    I gather your payment is the $403.65 embedded in your upfront costs?

    For those interested, the $2500 lease buyout through ally is accurate, however if you purchase your lease before making your last payment, it is $0 (per the manager helping with my lease).

    I qualified for GMS employee lease as my father-in-law has worked in a plant for 35 years (I think adds $1000 rebate on top of other incentives).

    TO6 Granite gray/ ebony (had to get the xenon and 19")
    $1160 due at signing
    $361/ month includes 7% Atlanta tax.
    39/ 12k

    Picking up tonight, I'll be happy to give more details on the lease if anyone needs.
  • abm2abm2 Member Posts: 4
    edited August 2011
    Interesting on the buy out. But, are you sure? My GMAC smart lease through Ally indicates that the purchase option is only available at lease end and thus, the extra 2500 over the stated residual applies. It would be nice if I had the option to save 2500 if I choose to purchase-which I doubt I would if I had to pay a $2,500 excess over residual.
  • 40yearfan40yearfan Member Posts: 102
    If I were you, I would get that in writing from the manager.
    2015 Buick Encore Leather Edition
    2014 Buick Enclave Premium Edition
  • eagle9595eagle9595 Member Posts: 15
    edited August 2011
    Picked up a Blade Silver T02. One of the only in the state. They matched the $265 a month deal through Ally. $1000+++ came out to $2400 out of pocket, 39 month / 12 k a year. MSRP $30,495 sale price $29,500 and $4450 lease cash back.

    $280 w/ 6% sales tax. A steal to drive a 220bhp luxury car like this with leather and sunroof. Before I saw the Buick ad for the Regal lease specials I was considering a Chevy Malibu. I got a lease quote for $260+ tax a month on a 1LT Chevy Malibu with the base 160bhp 4 cylinder and no leather or sunroof! I am glad I waited and got the Buick!

    We were also told over the phone and in person by the finance manager when finalizing the deal that if you buy out the vehicle before last payment is made there is no $2500 buy out fee.
  • 40yearfan40yearfan Member Posts: 102
    Congratulations on your new car. It sounds like a great deal.

    I hope your dealer is correct about the buy out fee. I usually trade out of the lease before it ends and would hate to have to add an additional $2,500 to the cost of the vehicle to do so.

    Other than an ocassional turbo lag, I have absolutely no problem with our Regal. We have close to 3,000 miles on it now and it is really a joy to drive. Solid, handles well and causes more than a few heads to turn due to it's outstanding styling.
    2015 Buick Encore Leather Edition
    2014 Buick Enclave Premium Edition
  • jasmith52jasmith52 Member Posts: 462
    Is it possible to do a regal lease with more than 15k miles per year ?

    Suppose I wanted 18k miles per year or 20k miles per year. How would that work ?

    Also, forgive my ignorance but could someone point me to a calculator or a description of how I can calculate my costs given all the MF, residual, down payment etc.
  • 40yearfan40yearfan Member Posts: 102
    Try this:

    link title
    2015 Buick Encore Leather Edition
    2014 Buick Enclave Premium Edition
  • iuguy79iuguy79 Member Posts: 2
    Hey baquared81,

    Sorry for not replying sooner, been too busy out playing in the new car and havent been watching this forum for a few days. You are correct, $403.65 is my monthly payment on a T06 which includes 7% sales tax for IN. The finance guy helping us knew my problem with the ally lease was the buyout fee, but either didnt know or didnt tell me there was a way around it.

    I'm glad to see my payments aren't too far off from yours. The higher money factor from US Bank, 15k miles per year, and me not having the GM employee lease could explain most of the difference in our payments I think.

    Almost 1k miles in and still love the car for the most part. However, I must say for my first German car it has the worst cupholders I have ever seen in my life. One cup at a time works, but I have yet to find two cups skinny enough to fit in there at the same time! Gas mileage isn't impressing me much so far either, but my other car is a Prius so maybe I'm just hard to please lol
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're welcome theras. Vacations are always nice :).

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    No problem dl7265. US Bank's August base lease rate for a 36 month lease of a 2011 Regal TO2 is 0.12%.

    Buick is currently providing $3,950 to $4,450 in cash incentives on leases of this car through US Bank.

    That's a good question about sales tax in Texas. I suspect that it is charged on the selling price, but I am not certain.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi jasmith52. 15,000 miles per year is the highest mileage allowance that Ally publishes residual values for. If you need to drive mote than that, you will probably have to purchase additional miles on a per-mile basis. It is less expensive to do so at lease signing than it is to wait until lease-end and have to pay an excess mileage penalty.

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  • dl7265dl7265 Member Posts: 1,381
    Thank you Sir. How do I compute the .12% lease rate ? Wen doing the lease rate calculator.

    DL
  • kyfdxkyfdx Moderator Posts: 234,725
    Divide 0.12% by 2400 to get an approximate money factor.

    0.12 / 2400 = .00005 (that's right... 4 zeroes)

    That is just an approximate... but, don't worry.. at that low of a rate, any mistake will just result in pennies of difference..

    regards,
    kyfdx

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  • dl7265dl7265 Member Posts: 1,381
    Hey Walt, long time since the "rizzo method" days :surprise:

    Thanks, When I got that low figure I thought something looked askew.

    Regards,
    DL
  • kyfdxkyfdx Moderator Posts: 234,725
    LOL...

    Yeah, I'm right in the middle of shopping for another lease, right now... :P

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  • I got quoted te following and think this seems very high on T02.

    $370/month with 1099 down
    $403/month with $0

    12,000 miles at 39 months.

    Looking for some help.
  • flint_miflint_mi Member Posts: 2
    Slightly twist with my question. I am GMS eligible but qualified for Ally tier 'B'. Consequently, the MF is 3.15%. The dealer quoted me $390 and change for $0 at signing. I've calculated this to 42% residual. Is this correct? I've seen a range of 42 - 50% residual. I've been shooting for 48% residual and payments at $310 pre-tax and should be feasible given employee and Saturn discounts. Any insight into where I am getting this wrong - I am getting frustrated? My numbers are below:

    2011 Buick Regal Turbo T02

    MSRP $30,510.00
    Preferred Price $29,758.31
    EVA $(1,000.00)
    Saturn Loyalty $(1,000.00)
    Ally Lease Incentive - All $(3,500.00)
    Ally Lease Incentive - GMS $(500.00)
    Capitalized Tag Registration Fee $71.85
    Capitalized Title Fee $77.25
    Capitalized Dealer Doc Fee $75.00

    Net Cap Cost $23,982.41

    Residual Rate 42%
    Residual $ $12,814.20

    Term (months) 36

    Also: are dealers, generally speaking, packing points on Money Factors the same way they do loan APRs?

    Thank you,
    Brian
  • flint_miflint_mi Member Posts: 2
    Update: hasty reply email from internet specialist when I asked about the residual now has him putting residual at 47% and he overlooked Saturn discount. I'll have fresh and, hopefully, more accurate numbers in the morning.
  • dl7265dl7265 Member Posts: 1,381
    Sounds better. I'd like to hear what the Sept #'s are though.
  • dl7265dl7265 Member Posts: 1,381
    2011 Regal TURBO
    $259/month 39 month lease.

    $1,819 due at signing (after all offers). Includes security deposit.
    Tax, title, license, dealer fees and optional equipment extra.
    Mileage charge of $0.18 /mile over 39,000 miles.

    I'm guessing it's a T01 ? If you out Zero down it looks like $305 a month....

    DL
  • carman14carman14 Member Posts: 7
    Back to leasing a car for the little lady in NJ

    Current lease on Aura expires shortly.

    Whats the best cash incentive out there I should know about for Regal CXL base?

    Also latest MF? Residual 39 month? Any loyalty for Saturn owner?
  • Update:

    Finally made a deal today on a T05:

    $365/month
    First months payment down
    12,000 miles/year
    48 month lease

    Very happy aver getting quoted $370/month with $1099 on a T02.
  • dl7265dl7265 Member Posts: 1,381
    I was quoted .0015 X 2400 = 3.6% :mad:
    I thought it was .00015 x 2400 = .36%

    I know BWW allows Dealers to mark up the MF by 4/10th percent, But This seems way off base.

    Ally lease cash $4750 now and 44% residual sounded about right.

    Thanks,
    DL
  • dl7265dl7265 Member Posts: 1,381
    Anyone ? Help
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi carman14. Ally's September base lease rate and residual value for a 39 month lease of a 2012 Buick Regal Base with 15,000 miles per year are 1.1% and 47%, respectively.

    General Motors is currently providing a $1,350 cash incentive on 36 month leases of this this car through Ally.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi dl7265. Ally's current base lease rate for a 36 month lease of this car is 0.15%.

    The lease cash and residual value that you were quoted do indeed appear to be correct.

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  • regal_lac99regal_lac99 Member Posts: 2
    trying to make a decision between the regal turbo or the lacrosse premium II... has anyone been able to or heard of leasing a lacrosse under $350 mo for 39 month with one payment down, 15k miles? and also, if anyone is kind enough to share, what is a good (low) quote on a regal turbo, 39 months, one payment down, 15k mile? ... i'm new to leasing and wouldnt know a deal if it hit me in the face.. just trying to gather third party opinion before making final decision at dealership... thank u!
  • dl7265dl7265 Member Posts: 1,381
    Thank You CAR_MAN, they insist it is 3.6% :mad: ? Do I need to have them call Ally ? since they set the rate ?

    DL
  • boomboom68boomboom68 Member Posts: 1
    Purchased a 2010 Prius in Aug 2009. It has 37,000 miles and is in fair condition. I owe 60 more payments on an 84 month purchase. Monthly payments are $424. I guess my payoff would be around 23-24k now. Purchased it with no money down. Looking to trade it in and lease a Regal. Is this possible nd f so, any idea what my payment would be with 15k miles?
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    They're definitely either wrong or lying to you, dl7265. You might want to try shopping with a different dealer that might be a little more honest with you?

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi boomboom68. It's definitely possible to trade in your Prius and get something new...the question is how much money you will lose by doing this. You're fortunate that the values of used vehicles have risen lately so you might not be in that bad a shape, but there's still a chance that you're upside down on your car. Try looking up its value over in the Used Vehicle Pricing section of Edmunds.com to get an idea of where you're at.

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  • dl7265dl7265 Member Posts: 1,381
    The other 2 dealer were $27 a Month more actually. Here are the numbers .

    $30,495.00 TO2
    $28,048 sales price
    $4750 rebates
    $2000 customer cash
    $1456.19 sales tax
    $650 acquisition fee
    $110.55 title and registration
    residual value 13,722.75
    $2302.03 rent charge
    $10,888.16 depreciation
    $328.21 Monthly payment. 39months 12k miles per.
  • regal_lac99regal_lac99 Member Posts: 2
    wow that is great information! thank you....
  • gurds7gurds7 Member Posts: 28
    Hi Car_man,

    I am looking to lease a 2012 Buick Regal GS and would like to know what the October money factor and lease rate are for this car? Could you provide a 12k per year rate for both 24 months and 36 months? Is Ally or U.S. Bank offering any lease cash on this? Are there any other lease cash incentives for this car?

    Thank you so much for your help, you are such a valuable resource to us car shoppers.
  • rallye350rallye350 Member Posts: 13
    Just wondering if they are still offering incentives in October for 2011 Regal Turbo. If so, can you let me know what lease cash is available, money factor and residuals for T01 or T02 for 24 and 36 (or 39 if much better) leases?
  • jjohnson085jjohnson085 Member Posts: 53
    Anybody do the $299 a month lease of the 2012 Regal Turbo that is going on through end of month or do any better then that?

    Should get leasing #'s tomorrow and would like to see if it is good deal or not.

    Does anybody have the current residual, MF, etc?

    Thanks!
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Here's the information that you're looking for gurds7. Ally's October base lease rate and residual value for a 24-month lease of a 2012 Buick Regal Premium 1 with 12,000 miles per year are 1.0% and 57%, respectively.

    The numbers for an otherwise identical 36-month lease are 1.10% and 49%.

    General Motors is currently providing a $3,050 cash incentive on 24 month and $2,100 on 36-month leases of this car through Ally.

    There's $2,100 on all terms for leases through US Bank.

    Car_man
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