I live in WI. I've been quoted an MSRP of $33783 for 2.5 limited with nav, keyless, etc. Residual of $20082, selling price of $31265 which I was shown is "invoice". Money factor .00050 for 36mo/12k miles. pretax payment of $357. (1) when I run these numbers thru a lease calculator I get $338, so am I being scammed?; (2) you seem to be quoting a money factor of .00030 in the thread, again, am I being scammed?; (3) could I do better on the selling price? Much thanks.
I live in WI. I've been quoted an MSRP of $33783 for 2.5 limited with nav, keyless, etc. Residual of $20082, selling price of $31265 which I was shown is "invoice". Money factor .00050 for 36mo/12k miles. pretax payment of $357. (1) when I run these numbers thru a lease calculator I get $338, so am I being scammed?; (2) you seem to be quoting a money factor of .00030 in the thread, again, am I being scammed?; (3) could I do better on the selling price? Much thanks.
(1) 57% residual for 2.5i Limited for 36/12, .00050 MF, along with your MSRP and selling price, gets me a pre-tax payment of $358.84
(2) dealer seems to be inflating the MF
(3) hard to say; use the pricing tools at the top of the page to help figure a target price
I live in WI. I've been quoted an MSRP of $33783 for 2.5 limited with nav, keyless, etc. Residual of $20082, selling price of $31265 which I was shown is "invoice". Money factor .00050 for 36mo/12k miles. pretax payment of $357. (1) when I run these numbers thru a lease calculator I get $338, so am I being scammed?; (2) you seem to be quoting a money factor of .00030 in the thread, again, am I being scammed?; (3) could I do better on the selling price? Much thanks.
(1) 57% residual for 2.5i Limited for 36/12, .00050 MF, along with your MSRP and selling price, gets me a pre-tax payment of $358.84
(2) dealer seems to be inflating the MF
(3) hard to say; use the pricing tools at the top of the page to help figure a target price
Thanks for your comment. I'm not understanding how you get to residual of 57% on $20082/$33783. Am I doing the calc wrong as I get 59%. Is there something else I need to factor in? And when you say dealer is inflating MF, just to be sure, it should be .0003, correct? Finally, on the lease calc on your web site I'm filling in sales price (31265), residual (20082) 36 mos, 12k miles, .0005MF and get an after-tax of $344 using my WI zip code (5.5% sales tax) compared with your number of $358.84 pretax. What am I doing wrong?
I live in WI. I've been quoted an MSRP of $33783 for 2.5 limited with nav, keyless, etc. Residual of $20082, selling price of $31265 which I was shown is "invoice". Money factor .00050 for 36mo/12k miles. pretax payment of $357. (1) when I run these numbers thru a lease calculator I get $338, so am I being scammed?; (2) you seem to be quoting a money factor of .00030 in the thread, again, am I being scammed?; (3) could I do better on the selling price? Much thanks.
(1) 57% residual for 2.5i Limited for 36/12, .00050 MF, along with your MSRP and selling price, gets me a pre-tax payment of $358.84
(2) dealer seems to be inflating the MF
(3) hard to say; use the pricing tools at the top of the page to help figure a target price
Thanks for your comment. I'm not understanding how you get to residual of 57% on $20082/$33783. Am I doing the calc wrong as I get 59%. Is there something else I need to factor in? And when you say dealer is inflating MF, just to be sure, it should be .0003, correct? Finally, on the lease calc on your web site I'm filling in sales price (31265), residual (20082) 36 mos, 12k miles, .0005MF and get an after-tax of $344 using my WI zip code (5.5% sales tax) compared with your number of $358.84 pretax. What am I doing wrong?
The proper residual is 57%. If your dollar amount residual is correct, then it's possible that the dealer is mis-quoting the MSRP (or the other way around).
The base MF is .00030. Dealers can mark up that number for extra profit.
We don't use the website lease calculator, so I can't vouch for the results. But, to start with, we are using different numbers, as your residual and MSRP don't match the program.
I'm looking to lease 2015 Outback 2.5 LTD. with these two options: Moonroof Package & Keyless Access & Navi & Eyesight OR Moonroof Package & Keyless Access & Navi
It would be $0 down for 15k/year for 36 months.
With Eyesight, the lowest base cap cost I've received in NJ is 31,800 Without Eyesight, the lowest base cap cost I've received in NJ is 31,200
The dealer seems to be using a MF of .0007, but everywhere else I've heard that it should be .0003 and a residual of 55%. I have top tier credit.
With these prices, they want me to make first month's payment at signing, doc fees of $295 and DMV fees of $125 to transfer my current plates.
1) Please confirm that the MF and RV are .0003 and 55% in NJ. 2) Is this a good base cap cost or can I do better? (No one seems to have these in stock, anywhere). 3) I seem to be calculated something wrong with the lease calculator (or maybe the dealer is doing something funny). What should be my monthly payment on these two options, with and without eyesight and $0 down?
I'm looking to lease 2015 Outback 2.5 LTD. with these two options: Moonroof Package & Keyless Access & Navi & Eyesight OR Moonroof Package & Keyless Access & Navi
It would be $0 down for 15k/year for 36 months.
With Eyesight, the lowest base cap cost I've received in NJ is 31,800 Without Eyesight, the lowest base cap cost I've received in NJ is 31,200
The dealer seems to be using a MF of .0007, but everywhere else I've heard that it should be .0003 and a residual of 55%. I have top tier credit.
With these prices, they want me to make first month's payment at signing, doc fees of $295 and DMV fees of $125 to transfer my current plates.
1) Please confirm that the MF and RV are .0003 and 55% in NJ. 2) Is this a good base cap cost or can I do better? (No one seems to have these in stock, anywhere). 3) I seem to be calculated something wrong with the lease calculator (or maybe the dealer is doing something funny). What should be my monthly payment on these two options, with and without eyesight and $0 down?
(1) confirm .00030 MF and 55% residual for 36/15; dealer is allowed to mark up the MF for extra profit
(2) I'm not in the market, so cannot comment on what is or is not a good selling price. Recommend you use the pricing tools (make, model, year) at the top of the page to determine a target price
(3) We would need to know the MSRP of the vehicles in question in order to model a payment
Thanks for your comment Michaell.The MSRP for the non-eyesight model is $33,888 and with eyesight is $34,135. Please advise answer #3 from my questions.
Thanks for your comment Michaell.The MSRP for the non-eyesight model is $33,888 and with eyesight is $34,135. Please advise answer #3 from my questions.
Calculate the monthly lease payment and multiply by the lease term.
I was under the impression that a one-pay lease would be a cheaper way (not paying the interest?) to lease a car
No, you still have to pay the rent charge (interest) - some manufacturers offer a discount on that rate for a one-pay lease. Not sure if Subaru is one of them.
Calculate the monthly lease payment and multiply by the lease term.
I was under the impression that a one-pay lease would be a cheaper way (not paying the interest?) to lease a car
As @Michaell noted, you still pay interest, just less of it...
A one-pay lease is calculated just like a regular lease, but with a discounted money factor. The discount is for paying all that cash upfront... But, you aren't paying cash for the whole car, just the depreciation, so there is still an interest charge.
That varies by bank, and unfortunately, as also noted, we don't have the one-pay money factor numbers.
Also, do terms change at the beginning of the month? Such as RV and MF. and if so, what would be the terms for a limited with eyesight with 12k/36 months in WI? Thanks
When can we expect December numbers to be released? Do they really change that much from one month to the next? We are in Illinois, and we are looking at leasing a couple of cars right after the new year. I would like to be able to work with semi-accurate numbers in December.
Also, do terms change at the beginning of the month? Such as RV and MF. and if so, what would be the terms for a limited with eyesight with 12k/36 months in WI? Thanks
Subaru's new program is effective December 2nd. We likely won't have the numbers until later in the week.
When can we expect December numbers to be released? Do they really change that much from one month to the next? We are in Illinois, and we are looking at leasing a couple of cars right after the new year. I would like to be able to work with semi-accurate numbers in December.
New program starts tomorrow. No clue what it will bring. Later in the week.
I have mine tentatively looked for today at .003 and %57 for 36/12k...anyone hear what the new numbers are? I talked with two different dealers and one said it changes today, and the other tomorrow Dec 3rd
I have mine tentatively looked for today at .003 and %57 for 36/12k...anyone hear what the new numbers are? I talked with two different dealers and one said it changes today, and the other tomorrow Dec 3rd
.00030 MF and 57% residual for the Limited model. 36mo, 12K/yr
I noticed that the numbers, residual and MF, really don't change that much from month to month. I'm not asking for a crystal ball here, but would you expect the numbers to change much going into the New Year? Do they typically make any big changes when we roll over to a new calendar year? I ask because my wife and I are leasing cars in IL once the law changes. Thanks.
Also, do terms change at the beginning of the month? Such as RV and MF. and if so, what would be the terms for a limited with eyesight with 12k/36 months in WI? Thanks
I have mine tentatively looked for today at .003 and %57 for 36/12k...anyone hear what the new numbers are? I talked with two different dealers and one said it changes today, and the other tomorrow Dec 3rd
Confirm .00030 and 57% for 36/12 on the Outback Limited for December.
I noticed that the numbers, residual and MF, really don't change that much from month to month. I'm not asking for a crystal ball here, but would you expect the numbers to change much going into the New Year? Do they typically make any big changes when we roll over to a new calendar year? I ask because my wife and I are leasing cars in IL once the law changes. Thanks.
Anything is possible, but it's unlikely that there would be a major change month-to-month.
Hey...I know it might be splitting hairs, but when I did the calculation for the MF on the deal I got in November, the MF was 0.00025 not 0.00030. It makes a few dollars difference per month. The quote sheet showed 0.0003, but I'm assuming it was rounded up from the 25 number.
I also want to say, the info here is accurate as far as I was concerned in case someone might be wondering.
Hey...I know it might be splitting hairs, but when I did the calculation for the MF on the deal I got in November, the MF was 0.00025 not 0.00030. It makes a few dollars difference per month. The quote sheet showed 0.0003, but I'm assuming it was rounded up from the 25 number.
I also want to say, the info here is accurate as far as I was concerned in case someone might be wondering.
I don't think you can reverse engineer the MF from the other numbers in the deal.
If you are a parent of young children (at least one under 12 years old) who owns a Subaru Outback (2015), a reporter would like for you to fill out a survey, due by December 22, 2014, for use in a print publication. Click here for the survey http://tinyurl.com/o8uzder
Do MF and residual vary by state? Can you tell me mf and residual for 2.5i, 12k miles, in California?
The program is national for all dealers that use Subaru Motors Finance. There is a distributorship that controls a lot of New England and their rates may be different.
Base model? .0010 MF and 61% residual for 36 months.
Comments
(2) dealer seems to be inflating the MF
(3) hard to say; use the pricing tools at the top of the page to help figure a target price
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The proper residual is 57%. If your dollar amount residual is correct, then it's possible that the dealer is mis-quoting the MSRP (or the other way around).
The base MF is .00030. Dealers can mark up that number for extra profit.
We don't use the website lease calculator, so I can't vouch for the results. But, to start with, we are using different numbers, as your residual and MSRP don't match the program.
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Moonroof Package & Keyless Access & Navi & Eyesight
OR
Moonroof Package & Keyless Access & Navi
It would be $0 down for 15k/year for 36 months.
With Eyesight, the lowest base cap cost I've received in NJ is 31,800
Without Eyesight, the lowest base cap cost I've received in NJ is 31,200
The dealer seems to be using a MF of .0007, but everywhere else I've heard that it should be .0003 and a residual of 55%. I have top tier credit.
With these prices, they want me to make first month's payment at signing, doc fees of $295 and DMV fees of $125 to transfer my current plates.
1) Please confirm that the MF and RV are .0003 and 55% in NJ.
2) Is this a good base cap cost or can I do better? (No one seems to have these in stock, anywhere).
3) I seem to be calculated something wrong with the lease calculator (or maybe the dealer is doing something funny). What should be my monthly payment on these two options, with and without eyesight and $0 down?
(2) I'm not in the market, so cannot comment on what is or is not a good selling price. Recommend you use the pricing tools (make, model, year) at the top of the page to determine a target price
(3) We would need to know the MSRP of the vehicles in question in order to model a payment
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Without eyesight, pre-tax payment is $363.88
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thanks
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As @Michaell noted, you still pay interest, just less of it...
A one-pay lease is calculated just like a regular lease, but with a discounted money factor. The discount is for paying all that cash upfront... But, you aren't paying cash for the whole car, just the depreciation, so there is still an interest charge.
That varies by bank, and unfortunately, as also noted, we don't have the one-pay money factor numbers.
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THANKS!
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No.. the residual is set by the bank, and cannot be altered.
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Subaru's new program is effective December 2nd. We likely won't have the numbers until later in the week.
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New program starts tomorrow. No clue what it will bring. Later in the week.
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.00030 MF and 57% residual for the Limited model. 36mo, 12K/yr
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.00030 MF and 57% residual
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.00030 MF and 57% residual
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2015 Subaru Outback Premium w/Eyesight
PA
MSRP $29840 after $26995 base, $1995 options and $850 destination
$28184
36 Months / 15k year
$0 down
.00030 MF and 56% residual
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Limited - 55% and .00030 for 36/15
Add 2% for 12K.
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I also want to say, the info here is accurate as far as I was concerned in case someone might be wondering.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
'15 Outback 2.5i Ltd w/moonroof package
MSRP $34083
Sale price $31,076
Fees $430.75
Sales Tax $2,804.04
Your OTD = 34,310.79
What would a lease monthly look like? Assuming 500/1000 down.
Also, are the "Fees" average?
Thanks
Use the "Make / Model / Year" pull downs at the top of the page to establish a target price.
What state is this? Fees can vary greatly based on where you live.
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Can you tell me mf and residual for 2.5i, 12k miles, in California?
The program is national for all dealers that use Subaru Motors Finance. There is a distributorship that controls a lot of New England and their rates may be different.
Base model? .0010 MF and 61% residual for 36 months.
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