Do you have the current residual and money factor for a 2014 RAM 1500 EXPRESS QUAD CAB 4X4 6'4" BOX? 36/12 and 36/10
I went to the dealer last night about a lease special listed on the Ram webpage under the incentives for my area (Minneapolis). It's advertized as below.
**Featured Deal on a 2014 Ram 1500 in your area
Lease a 2014 RAM 1500 EXPRESS QUAD CAB® 4X4 6'4" BOX for$269/Per month for
36 months$269 total due at signing, no security deposit required.Offer expires on 09-02-2014
Low-mileage lease for well qualified lessees. Based on MSRP example of $36,115.00 with 25C package after all applicable offers. Total due at lease signing includes a down payment and first monthís payment. Offer requires dealer contribution. Tax, title & license extra. Lessee pays for excess wear and mileage of $.25/mile for each mile over 10,000 miles per year, if vehicle is returned at end of term. Option to buy at lease end at pre-negotiated price. Dealerís actual terms may vary. Offer through Ally. Residency restrictions apply. Must take retail delivery by 09/02/2014. $395 disposition fee due at lease end.**
I had emailed the dealer and the sales person confirmed the lease deal and said they had inventory, so I set up a time to meet with him about leasing one. I showed up last night right on time and that sales person wasn't even there! Then the guy they had me sit with tells me that the above lease deal expired and is no longer offered! Yet it clearly says on the add that it expires on 9-2-14. I basically walked out at that point...
Thanks,
Rasky
.00015 and 56% for 36/12. Add 1% for 10k.
Time to reach out to another dealer, I should think.
looking in NY 2014 Ram Big Horn quad cab 5.6ft bed 5.7l engine looking for a lease 36mo 12k/year looking for money factor and residual value. Has any one recently leased one? Would like to see what type of deals are out there?
@jgirl6 said:
looking in NY 2014 Ram Big Horn quad cab 5.6ft bed 5.7l engine looking for a lease 36mo 12k/year looking for money factor and residual value. Has any one recently leased one? Would like to see what type of deals are out there?
Sorry another question. The .00019 money factor and 54% residual value should be standard across all dealerships, right? I believe my brother was quoted 53% residual value, ok thats seems inline, but he was quoted .00110 (I looked at the spreadsheet twice), for a money factor. Is this dealership taking advantage? Seems like Colorado gets a better deal, which is probably related to us being in NY, I would think. Thank you for your help on this : )
@jgirl6 said:
Sorry another question. The .00019 money factor and 54% residual value should be standard across all dealerships, right? I believe my brother was quoted 53% residual value, ok thats seems inline, but he was quoted .00110 (I looked at the spreadsheet twice), for a money factor. Is this dealership taking advantage? Seems like Colorado gets a better deal, which is probably related to us being in NY, I would think. Thank you for your help on this : )
The MF can be adjusted for two reasons -- credit score (lower score equates to a higher MF), or dealer greed. The dealer can mark up the MF by as much as .00042.
Residual value is fixed by the finance company and cannot be modified by the dealer.
Be aware that Chrysler dealers can use other finance companies other than Chrysler Financial (Ally and US Bank are two that I know of). But, we don't have their numbers and cannot confirm them.
Following up on the national offer quoted below - is there any way to get further detail on the offer listed below (lease end purchase price) prior to visiting the dealership? I'm considering the RAM after many years of Honda and Toyota ownership, and the lease on the surface is appealing, but I wanted to evaluate purchase vs. lease as the purchase incentives seem great right now as well.
Thanks,
Do you have the current residual and money factor for a 2014 RAM 1500 EXPRESS QUAD CAB 4X4 6'4" BOX? 36/12 and 36/10
I went to the dealer last night about a lease special listed on the Ram webpage under the incentives for my area (Minneapolis). It's advertized as below.
**Featured Deal on a 2014 Ram 1500 in your area
Lease a 2014 RAM 1500 EXPRESS QUAD CAB® 4X4 6'4" BOX for$269/Per month for
36 months$269 total due at signing, no security deposit required.Offer expires on 09-02-2014
Low-mileage lease for well qualified lessees. Based on MSRP example of $36,115.00 with 25C package after all applicable offers. Total due at lease signing includes a down payment and first monthís payment. Offer requires dealer contribution. Tax, title & license extra. Lessee pays for excess wear and mileage of $.25/mile for each mile over 10,000 miles per year, if vehicle is returned at end of term. Option to buy at lease end at pre-negotiated price. Dealerís actual terms may vary. Offer through Ally. Residency restrictions apply. Must take retail delivery by 09/02/2014. $395 disposition fee due at lease end.**
I had emailed the dealer and the sales person confirmed the lease deal and said they had inventory, so I set up a time to meet with him about leasing one. I showed up last night right on time and that sales person wasn't even there! Then the guy they had me sit with tells me that the above lease deal expired and is no longer offered! Yet it clearly says on the add that it expires on 9-2-14. I basically walked out at that point...
Following up on the national offer quoted below - is there any way to get further detail on the offer listed below (lease end purchase price) prior to visiting the dealership? I'm considering the RAM after many years of Honda and Toyota ownership, and the lease on the surface is appealing, but I wanted to evaluate purchase vs. lease as the purchase incentives seem great right now as well.
Thanks,
Chuck
I don't know where the OP got the information from, so I don't have any additional information available.
Look for the residual, and MF on both a Ram 1500 express quad cab 4x4 v8 36/12 and
Ram 1500 quad cab black edition express 4x4 v8 36/12 in Long Island NY. Thanks!
@vandamwtc said:
Look for the residual, and MF on both a Ram 1500 express quad cab 4x4 v8 36/12 and
Ram 1500 quad cab black edition express 4x4 v8 36/12 in Long Island NY. Thanks!
.00015 and 56% for the express. Don't know what the "black edition" is - not listed in my documents.
Getting mf quotes of .00110 and now being told its gone up to .00126 These seem high and not sure where the numbers are comming from. Think the Dealer is trying to take advantage Credit score is mid 7's + so credit rating should not be a factor. The mf for Long Island NY is .00015 correct (seems in line with the other cars I have leased in the past), and can go in pretty firmly with this number thank you for the insight into the financing, not all going through Chrysler. Sorry just dont know why the dealers number is so different.
@jgirl6 said:
Getting mf quotes of .00110 and now being told its gone up to .00126 These seem high and not sure where the numbers are comming from. Think the Dealer is trying to take advantage Credit score is mid 7's + so credit rating should not be a factor. The mf for Long Island NY is .00015 correct (seems in line with the other cars I have leased in the past), and can go in pretty firmly with this number thank you for the insight into the financing, not all going through Chrysler. Sorry just dont know why the dealers number is so different.
Sounds like they might be using ALLY or a different bank..
Hi there, just a question (and you may not know the answer but I'd appreciate your opinion if you have one)...
Is there a reason Ram trucks seem to have leases with substantially lower MF/APR numbers than Ford, GMC, and Chevrolet (especially the last two)?
For example -- and I know that there's no way to exactly match the trims but they are all crew cab, 4x4 trucks around the $40,000-$45,000 MSRP range -- over the last three months or so I've kept these lease numbers (all with residual values in the mid-50s to low-60s...)
Silverado 1500 LT, 36 months @ 3.05% APR
Sierra 1500 SLT, 36 months @ 2.80 - 3.05% APR
Ford F-150 FX4, 36 months @ 1.75% APR
Ram 1500 Big Horn, 36 months @ 0.50 - 0.82% APR
Is it simply because Ram wants to move the 1500s? They're consistently lower across all trims/configurations.
I ask because I became curious after getting a quote from a Chevy dealer on a $44,000 truck for $560/month with about $1,000 total due at signing... and then getting a quote from a Ram dealer on a $43,695 truck for $311/month with about $1,500 total due at signing. I understand that leases depends on the net cap cost (which of course I don't have for either), and I suppose one dealer could be using MSRP as the net cap cost and the other could've given an extra $5,000 off in addition to the incentives, but it still seems like a big difference.
@cjs6 said:
Hi there, just a question (and you may not know the answer but I'd appreciate your opinion if you have one)...
Is there a reason Ram trucks seem to have leases with substantially lower MF/APR numbers than Ford, GMC, and Chevrolet (especially the last two)?
For example -- and I know that there's no way to exactly match the trims but they are all crew cab, 4x4 trucks around the $40,000-$45,000 MSRP range -- over the last three months or so I've kept these lease numbers (all with residual values in the mid-50s to low-60s...)
Silverado 1500 LT, 36 months @ 3.05% APR
Sierra 1500 SLT, 36 months @ 2.80 - 3.05% APR
Ford F-150 FX4, 36 months @ 1.75% APR
Ram 1500 Big Horn, 36 months @ 0.50 - 0.82% APR
Is it simply because Ram wants to move the 1500s? They're consistently lower across all trims/configurations.
I ask because I became curious after getting a quote from a Chevy dealer on a $44,000 truck for $560/month with about $1,000 total due at signing... and then getting a quote from a Ram dealer on a $43,695 truck for $311/month with about $1,500 total due at signing. I understand that leases depends on the net cap cost (which of course I don't have for either), and I suppose one dealer could be using MSRP as the net cap cost and the other could've given an extra $5,000 off in addition to the incentives, but it still seems like a big difference.
Car buying is frustrating, haha.
Every manufacturer and finance company has their "magic formula" that they think will move the most metal. Some focus on purchase incentives, others on leases. Chrysler has some very attractive lease rates compared to Ford and GM.
Lease formulas are pretty straightforward - MSRP and residual are fixed, while the selling price (cap cost) and MF are variable (MF can be inflated by the dealer for more profit).
@Michaell said:
Lease formulas are pretty straightforward - MSRP and residual are fixed, while the selling price (cap cost) and MF are variable (MF can be inflated by the dealer for more profit).
Thanks for your reply. In your opinion, assuming the buyer falls into the top tier of credit (of which I assume the MF numbers quoted on this forum apply), is it fair game to press a dealership/sales team that quotes a different, higher MF? I know the buyer always has the power to walk away and since it's my money, that call is up to me -- I'm just not sure how commonplace it is for places to inflate it?
I realized after signing my current lease (it's my first and while I thought I was informed when buying, I was still far too naive) that the dealership altered the MF and, because I'd negotiated a monthly price and not the selling price, the MF I was quoted at the dealership wasn't the MF I signed in my lease contract. As the saying goes, fool me once...
@cjs6 said:
I realized after signing my current lease (it's my first and while I thought I was informed when buying, I was still far too naive) that the dealership altered the MF and, because I'd negotiated a monthly price and not the selling price, the MF I was quoted at the dealership wasn't the MF I signed in my lease contract. As the saying goes, fool me once...
It's a common story for first time leasers ... they tend to shop payment rather than the pieces of the deal that are really negotiable (selling price and MF) that could have resulted in a lower payment.
Next time, come talk to us first and we'll help you navigate the waters.
thank u for doing this. can i get sept numbers for 2 trucks, tradesman/express crew cab 4x4 and big horn crew cab 4x4. 24 month and 36 month leases for 15k and 18k. thanks again
@mattbrady10 said:
thank u for doing this. can i get sept numbers for 2 trucks, tradesman/express crew cab 4x4 and big horn crew cab 4x4. 24 month and 36 month leases for 15k and 18k. thanks again
matt
The supported terms this month are 27 and 39 months.
Express: .00023 MF and 61% residual for 27mo, 15K/yr
.00014 MF and 53% residual for 39mo, 15K/yr
BigHorn: .00015 MF and 59% residual
.00023 MF and 50% residual.
Tradesman models don't have any viable lease programs.
Thank you for your help went to dealership over the weekend with all the information. I think I shocked the salesman. He came back with only the monthly payment and then I asked him for the Msrp, the cap cost reduction, the money factor, the residual value and the bank or banks they finance through. All the numbers seemed inline although they were using the higher money factor .00110, Ally, and I stated the Chrysler number. There was a rebate (approx 7k) for using a bank other than Chrysler and we would have lost the rebate. I did see this rebate listed online so it seemed on the up and up. I think we, me acting on behalf of my brother, and with my brother got a good deal, he has all the specific numbers. He ended up with a 2014 Ram 1500 crew cab with the black ram 1500 express group (package) v8 4x4 with backup camera and bed liner. 12k miles per year 36 mo for $320 per month only tax and tags down. I think we did well
Thank you for your help went to dealership over the weekend with all the information. I think I shocked the salesman. He came back with only the monthly payment and then I asked him for the Msrp, the cap cost reduction, the money factor, the residual value and the bank or banks they finance through. All the numbers seemed inline although they were using the higher money factor .00110, Ally, and I stated the Chrysler number. There was a rebate (approx 7k) for using a bank other than Chrysler and we would have lost the rebate. I did see this rebate listed online so it seemed on the up and up. I think we, me acting on behalf of my brother, and with my brother got a good deal, he has all the specific numbers. He ended up with a 2014 Ram 1500 crew cab with the black ram 1500 express group (package) v8 4x4 with backup camera and bed liner. 12k miles per year 36 mo for $320 per month only tax and tags down. I think we did well
Sounds like you did really well.. If the Ally lease is cheaper with the IDL rebate, nothing wrong with taking that instead.
When financials are run on a lease do they base it on the entire value of the vehicle say 32k or only on the value of the lease say 11k. They went through a credit union NEFCU and ran the credit check based on the 32k for the total vehicle value. It sounds more like balloon financing than a lease. Am I wrong?
When financials are run on a lease do they base it on the entire value of the vehicle say 32k or only on the value of the lease say 11k. They went through a credit union NEFCU and ran the credit check based on the 32k for the total vehicle value. It sounds more like balloon financing than a lease. Am I wrong?
With my Hyundai lease my credit report shows the debt amount as the total of the lease payments over 36 months, not the selling price of the car.
Can't say how local credit unions handle it, however.
When financials are run on a lease do they base it on the entire value of the vehicle say 32k or only on the value of the lease say 11k. They went through a credit union NEFCU and ran the credit check based on the 32k for the total vehicle value. It sounds more like balloon financing than a lease. Am I wrong?
When you lease a car, you are renting the whole car, not just the lease payment... And, since you have possession, you have the ability to incur liabilities that far exceed the lease payments (like driving it 100K miles, or trashing the car).
Leasing credit shouldn't be any less stringent than buying credit.
Now I'm confused. With these 2 different responses does it depend on the lender, say Chrysler Financial (or manufacturer) verses another bank or credit union. No where in all my research is this completely clear or spelled out.
Now I'm confused. With these 2 different responses does it depend on the lender, say Chrysler Financial (or manufacturer) verses another bank or credit union. No where in all my research is this completely clear or spelled out.
The two responses aren't necessarily opposite. @michaell says his credit report shows a debt that matches the total amount of his lease payments. But, that doesn't mean that the credit decision was based on that amount.
In general, you won't qualify for a lease on a vehicle that you wouldn't qualify to purchase.
Now I'm confused. With these 2 different responses does it depend on the lender, say Chrysler Financial (or manufacturer) verses another bank or credit union. No where in all my research is this completely clear or spelled out.
The two responses aren't necessarily opposite. @michaell says his credit report shows a debt that matches the total amount of his lease payments. But, that doesn't mean that the credit decision was based on that amount.
In general, you won't qualify for a lease on a vehicle that you wouldn't qualify to purchase.
I've heard that qualifying for a lease is harder than qualifying for a purchase. No empirical data to back up that statement, however.
Hello, I'm looking for the MF and Residual for October on the Express crew cab and quad cab. 39 months 12k miles/yr. I reside in New Jersey. Thank you for the help.
Hello, I'm looking for the MF and Residual for October on the Express crew cab and quad cab. 39 months 12k miles/yr. I reside in New Jersey. Thank you for the help.
Hello, I'm looking for the MF and Residual for October on the Express crew cab and quad cab. 39 months 12k miles/yr. I reside in New Jersey. Thank you for the help.
Hello, I'm looking for the MF and Residual for October on the Express crew cab and quad cab 4WD. 39 months 12k miles/yr. I reside in New Jersey. Thank you for the help.
Comments
.00015 and 56% for 36/12. Add 1% for 10k.
Time to reach out to another dealer, I should think.
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Already have!
Thanks!
looking in NY 2014 Ram Big Horn quad cab 5.6ft bed 5.7l engine looking for a lease 36mo 12k/year looking for money factor and residual value. Has any one recently leased one? Would like to see what type of deals are out there?
.00019 and 54%
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Sorry another question. The .00019 money factor and 54% residual value should be standard across all dealerships, right? I believe my brother was quoted 53% residual value, ok thats seems inline, but he was quoted .00110 (I looked at the spreadsheet twice), for a money factor. Is this dealership taking advantage? Seems like Colorado gets a better deal, which is probably related to us being in NY, I would think. Thank you for your help on this : )
The MF can be adjusted for two reasons -- credit score (lower score equates to a higher MF), or dealer greed. The dealer can mark up the MF by as much as .00042.
Residual value is fixed by the finance company and cannot be modified by the dealer.
Be aware that Chrysler dealers can use other finance companies other than Chrysler Financial (Ally and US Bank are two that I know of). But, we don't have their numbers and cannot confirm them.
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Hello Michaell,
Following up on the national offer quoted below - is there any way to get further detail on the offer listed below (lease end purchase price) prior to visiting the dealership? I'm considering the RAM after many years of Honda and Toyota ownership, and the lease on the surface is appealing, but I wanted to evaluate purchase vs. lease as the purchase incentives seem great right now as well.
Thanks,
Chuck
I don't know where the OP got the information from, so I don't have any additional information available.
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Look for the residual, and MF on both a Ram 1500 express quad cab 4x4 v8 36/12 and
Ram 1500 quad cab black edition express 4x4 v8 36/12 in Long Island NY. Thanks!
.00015 and 56% for the express. Don't know what the "black edition" is - not listed in my documents.
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looking for the residual, and MF on a Ram 1500 crew cab outdoorsman 4wd. 36m/12k and also 24m/12k a year
.00009 MF and 55% residual.
.00023 MF and 65% residual
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I believe it is a litte more pricey, but not sure by how much. Thank you for the numbers!
Not seeing it separated in our information, I'd assume it has the same numbers as the ones @Michaell quoted.
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Getting mf quotes of .00110 and now being told its gone up to .00126 These seem high and not sure where the numbers are comming from. Think the Dealer is trying to take advantage Credit score is mid 7's + so credit rating should not be a factor. The mf for Long Island NY is .00015 correct (seems in line with the other cars I have leased in the past), and can go in pretty firmly with this number thank you for the insight into the financing, not all going through Chrysler. Sorry just dont know why the dealers number is so different.
Sounds like they might be using ALLY or a different bank..
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So it could be based on who they are financing through hmmmm Thank you this helps Is the .00015 through Chrysler
yes
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Hi there, just a question (and you may not know the answer but I'd appreciate your opinion if you have one)...
Is there a reason Ram trucks seem to have leases with substantially lower MF/APR numbers than Ford, GMC, and Chevrolet (especially the last two)?
For example -- and I know that there's no way to exactly match the trims but they are all crew cab, 4x4 trucks around the $40,000-$45,000 MSRP range -- over the last three months or so I've kept these lease numbers (all with residual values in the mid-50s to low-60s...)
Silverado 1500 LT, 36 months @ 3.05% APR
Sierra 1500 SLT, 36 months @ 2.80 - 3.05% APR
Ford F-150 FX4, 36 months @ 1.75% APR
Ram 1500 Big Horn, 36 months @ 0.50 - 0.82% APR
Is it simply because Ram wants to move the 1500s? They're consistently lower across all trims/configurations.
I ask because I became curious after getting a quote from a Chevy dealer on a $44,000 truck for $560/month with about $1,000 total due at signing... and then getting a quote from a Ram dealer on a $43,695 truck for $311/month with about $1,500 total due at signing. I understand that leases depends on the net cap cost (which of course I don't have for either), and I suppose one dealer could be using MSRP as the net cap cost and the other could've given an extra $5,000 off in addition to the incentives, but it still seems like a big difference.
Car buying is frustrating, haha.
Every manufacturer and finance company has their "magic formula" that they think will move the most metal. Some focus on purchase incentives, others on leases. Chrysler has some very attractive lease rates compared to Ford and GM.
Lease formulas are pretty straightforward - MSRP and residual are fixed, while the selling price (cap cost) and MF are variable (MF can be inflated by the dealer for more profit).
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Thanks for your reply. In your opinion, assuming the buyer falls into the top tier of credit (of which I assume the MF numbers quoted on this forum apply), is it fair game to press a dealership/sales team that quotes a different, higher MF? I know the buyer always has the power to walk away and since it's my money, that call is up to me -- I'm just not sure how commonplace it is for places to inflate it?
I realized after signing my current lease (it's my first and while I thought I was informed when buying, I was still far too naive) that the dealership altered the MF and, because I'd negotiated a monthly price and not the selling price, the MF I was quoted at the dealership wasn't the MF I signed in my lease contract. As the saying goes, fool me once...
It's a common story for first time leasers ... they tend to shop payment rather than the pieces of the deal that are really negotiable (selling price and MF) that could have resulted in a lower payment.
Next time, come talk to us first and we'll help you navigate the waters.
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thank u for doing this. can i get sept numbers for 2 trucks, tradesman/express crew cab 4x4 and big horn crew cab 4x4. 24 month and 36 month leases for 15k and 18k. thanks again
matt
The supported terms this month are 27 and 39 months.
Express: .00023 MF and 61% residual for 27mo, 15K/yr
.00014 MF and 53% residual for 39mo, 15K/yr
BigHorn: .00015 MF and 59% residual
.00023 MF and 50% residual.
Tradesman models don't have any viable lease programs.
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thanks. by how it looks residual numbers go up/down by 2% depending on mileage? is that a rough general rule?
so for example: as u said express residual is 61% for 27 mo/15k lease, it'd be about 63% for a 12k lease and 59% for a 18k lease?
15K/yr is the base residual number.. +2% for 12K/yr, +3% for 10K/yr. If 18K/yr is offered, then it would indeed be -2%
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It is for New Jersey. Thank you.
27/12 - .00033 and 58%
39/12 - .00015 and 48%
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Seeing .00023 and a 61% residual (15kmiles) on the forum here, but the dealer is indicating a 57% residual....
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Can't say how local credit unions handle it, however.
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When you lease a car, you are renting the whole car, not just the lease payment... And, since you have possession, you have the ability to incur liabilities that far exceed the lease payments (like driving it 100K miles, or trashing the car).
Leasing credit shouldn't be any less stringent than buying credit.
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In general, you won't qualify for a lease on a vehicle that you wouldn't qualify to purchase.
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Add 1% for 10K.
36 month terms are not competitive this month.
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Hello, I'm looking for the MF and Residual for October on the Express crew cab and quad cab. 39 months 12k miles/yr. I reside in New Jersey. Thank you for the help.
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4wd
Quad Cab - .00020 and 54%
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Big Horn, by contrast, is .00023 MF and 53% residual for 39/10.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige