Looking at LE Plus. 36mo/12k lease. Went to 3 LI dealers. First one quoted $425/mo, assuming tier 1+ credit, before taxes, but had to be the one in stock, going fast. Didn't care for the Ash interior, too light a color with kids, coffee, etc. Second dealer, none in stock, we'll locate one or order your color from the factory. $0 down, taxes included, Can't go lower than $429 again assuming tier 1+. third dealer, one in stock, 6 coming in(not all LE Plus) tomorrow (Saturday). Best price $434 again assuming 1+. I know we're not 1+, but let's see. 2 or 3 sold before we even made the deal! Took a black/black LE Plus, with $1297 worth of factory options (Roof crossbars, cargo cover, body molding, door edge guards, and rear bumper plate - chrome), bumped to tier 1, at $454/mo. Love the car, any thoughts?
Highlanders are quite popular and there isn't a lot of stock available this late in the year.
We'd need to have more details - MSRP and selling price / cap cost in order to fully evaluate the deal. Tax rate for you in NY will help, too.
My best truecar.com dealer price for 2015 XLE AWD with 2nd row captains chairs $35,950 including dealer doc fee. That seems pretty aggressive for my area on this vehicle. Any feedback?
I know it is the last day for August lease rates, but I had been basing my numbers off of the residuals I have been seeing on the forum. When I went to the dealer yesterday I received some very strange numbers that I need validated.
I am looking at a 2015 AWD Limited and Platinum on a 36/12,000. I was quoted 61% and 58% respectively with a mf of .00199. I am located in NC so I would fall under their Southeast programs.
I was under the impression I should be at 65% for the Limited and 63% for the Platinum. I believe the mf should be .00197. Can you please confim which is correct?
I know it is the last day for August lease rates, but I had been basing my numbers off of the residuals I have been seeing on the forum. When I went to the dealer yesterday I received some very strange numbers that I need validated.
I am looking at a 2015 AWD Limited and Platinum on a 36/12,000. I was quoted 61% and 58% respectively with a mf of .00199. I am located in NC so I would fall under their Southeast programs.
I was under the impression I should be at 65% for the Limited and 63% for the Platinum. I believe the mf should be .00197. Can you please confim which is correct?
I haven't noticed Southeast Distributor using different residuals for the Toyota models, but I guess it's possible. We show the higher numbers, but can't guarantee what SouthEast might do.
In answer to "need to have more details" re my post above: on 2015 LE Plus Gross Cap cost $38522.79 Adjusted cap cost $37225.79 Residual $24754.00 Depreciation $12471.79 Rent charge $4016.16 Total base payments $16487.95 Monthly payment $458.00
NY tax rate 8.625%
My calculations lead me to conclude not so great a deal: $348.43 depreciation (Car) $29.88 tax $81.66 interest. Am I correct in calculating this as MF= 0.03402? Please correct me if I am wrong
In answer to "need to have more details" re my post above: on 2015 LE Plus Gross Cap cost $38522.79 Adjusted cap cost $37225.79 Residual $24754.00 Depreciation $12471.79 Rent charge $4016.16 Total base payments $16487.95 Monthly payment $458.00
NY tax rate 8.625%
My calculations lead me to conclude not so great a deal: $348.43 depreciation (Car) $29.88 tax $81.66 interest. Am I correct in calculating this as MF= 0.03402? Please correct me if I am wrong
You cannot reverse engineer the MF from everything else. Base MF on the Highlander is .00170, but the dealer can mark that up. Double? I suppose it's possible.
Might want to try another Toyota dealer. Only takes one to meet your numbers.
In answer to "need to have more details" re my post above: on 2015 LE Plus Gross Cap cost $38522.79 Adjusted cap cost $37225.79 Residual $24754.00 Depreciation $12471.79 Rent charge $4016.16 Total base payments $16487.95 Monthly payment $458.00
NY tax rate 8.625%
My calculations lead me to conclude not so great a deal: $348.43 depreciation (Car) $29.88 tax $81.66 interest. Am I correct in calculating this as MF= 0.03402? Please correct me if I am wrong
To reverse calculate the money factor, add the adjusted cap and residual, then divide the monthly finance charge by that number. Doing that, I get .0013
Michaell,
I'm new to the site today, posted in Acura MDX earlier. Thanks for your help!
However, we are also looking at a 2015 Highlander Limited Plat AWD, as well.
MSRP: 45,222.06
"Special Price" 41,887.00
IL Tax: 7% (2,945.63)
168.43 Doc fee
221.00 Plates and Reg.
Dealer saying won't do 36mo/10k/yr only 36/12k True?
Residual $28,520
Total Monthly Payment: $611.68
Total Drive off: $832.68
I feel like this is still too high. Realistically, how much lower do you think?
Or is this what it is?
Thanks!
1) Tax on a purchase doesn't apply to a lease. Once you decide to lease, you need a new breakdown of the numbers.
2) In most areas of the country, Toyota does not offer 10K/yr leases
Thanks for the help...
Basically, after getting sale price down to 41,887 dealer offer sheet states residual of 28,520 (63%) doing the math I get a lease payment 490.65 tax (7%) of $525/mo 36/36
Dealer at 611.68 w/832.68 down for '15 highlander limited Plat
I'm new to the site today, posted in Acura MDX earlier. Thanks for your help!
However, we are also looking at a 2015 Highlander Limited Plat AWD, as well.
MSRP: 45,222.06 "Special Price" 41,887.00 IL Tax: 7% (2,945.63) 168.43 Doc fee 221.00 Plates and Reg.
Dealer saying won't do 36mo/10k/yr only 36/12k True?
Residual $28,520 Total Monthly Payment: $611.68 Total Drive off: $832.68
I feel like this is still too high. Realistically, how much lower do you think?
Or is this what it is?
Thanks!
1) Tax on a purchase doesn't apply to a lease. Once you decide to lease, you need a new breakdown of the numbers.
2) In most areas of the country, Toyota does not offer 10K/yr leases
Thanks for the help...
Basically, after getting sale price down to 41,887 dealer offer sheet states residual of 28,520 (63%) doing the math I get a lease payment 490.65 tax (7%) of $525/mo 36/36
Dealer at 611.68 w/832.68 down for '15 highlander limited Plat
am I accurate?
Yes.. with the numbers you have, your calculation is correct. Ask the dealer for the CAP cost. Didn't see any mention of the TFS acquisition fee ($650). Also, the tax amount on the lease, as the tax in IL is collected upfront and added to the CAP cost (but, it can't be $2945). Once you get the CAP cost, you might find other fees and extras added that you didn't know about.
Michaell,
I'm new to the site today, posted in Acura MDX earlier. Thanks for your help!
However, we are also looking at a 2015 Highlander Limited Plat AWD, as well.
MSRP: 45,222.06
"Special Price" 41,887.00
IL Tax: 7% (2,945.63)
168.43 Doc fee
221.00 Plates and Reg.
Dealer saying won't do 36mo/10k/yr only 36/12k True?
Residual $28,520
Total Monthly Payment: $611.68
Total Drive off: $832.68
I feel like this is still too high. Realistically, how much lower do you think?
Or is this what it is?
Thanks!
1) Tax on a purchase doesn't apply to a lease. Once you decide to lease, you need a new breakdown of the numbers.
2) In most areas of the country, Toyota does not offer 10K/yr leases
Thanks for the help...
Basically, after getting sale price down to 41,887 dealer offer sheet states residual of 28,520 (63%) doing the math I get a lease payment 490.65 tax (7%) of $525/mo 36/36
Dealer at 611.68 w/832.68 down for '15 highlander limited Plat
am I accurate?
Yes.. with the numbers you have, your calculation is correct. Ask the dealer for the CAP cost. Didn't see any mention of the TFS acquisition fee ($650). Also, the tax amount on the lease, as the tax in IL is collected upfront and added to the CAP cost (but, it can't be $2945). Once you get the CAP cost, you might find other fees and extras added that you didn't know about.
I'm confused. Sorry, thought I already had CAP cost. Isn't that the 41,887? What am I missing?
I'm new to the site today, posted in Acura MDX earlier. Thanks for your help!
However, we are also looking at a 2015 Highlander Limited Plat AWD, as well.
MSRP: 45,222.06 "Special Price" 41,887.00 IL Tax: 7% (2,945.63) 168.43 Doc fee 221.00 Plates and Reg.
Dealer saying won't do 36mo/10k/yr only 36/12k True?
Residual $28,520 Total Monthly Payment: $611.68 Total Drive off: $832.68
I feel like this is still too high. Realistically, how much lower do you think?
Or is this what it is?
Thanks!
1) Tax on a purchase doesn't apply to a lease. Once you decide to lease, you need a new breakdown of the numbers.
2) In most areas of the country, Toyota does not offer 10K/yr leases
Thanks for the help...
Basically, after getting sale price down to 41,887 dealer offer sheet states residual of 28,520 (63%) doing the math I get a lease payment 490.65 tax (7%) of $525/mo 36/36
Dealer at 611.68 w/832.68 down for '15 highlander limited Plat
am I accurate?
Yes.. with the numbers you have, your calculation is correct. Ask the dealer for the CAP cost. Didn't see any mention of the TFS acquisition fee ($650). Also, the tax amount on the lease, as the tax in IL is collected upfront and added to the CAP cost (but, it can't be $2945). Once you get the CAP cost, you might find other fees and extras added that you didn't know about.
I'm confused. Sorry, thought I already had CAP cost. Isn't that the 41,887? What am I missing?
The $41,887 is the selling price; the cap cost includes any taxes and fees that you add to that (bank fee, dealer fee, taxes, DMV costs).
Only the first month payment due at signing. Payment includes all taxes, title and acquisition fee.
Could you let me know if this is a decent deal? I'm located in Maine - sales tax is 5.5%.
I'm on the fence about doing this now or waiting for the 2016 model to hit ground.
Thanks,
.00170 and 75% (24/15) or 66% (36/15)
Using your MSRP and selling prices, I get a payment of $422/mo for 24 months or $420/mo for 36 months - both with tax (I assume ME taxes just the monthly payment).
Find out what the net cap cost is - if higher than the selling price, have the dealer explain why.
Below is the pricing that I got for 2015 Toyota Highlander XLE AWD in NJ. Let me know what your thoughts are and if you think it's possible to be in the mid 4s.
Also will be turning back 13 Highlander, so that should adjust the monthly payments depending on the equity.
Retail Price: $39,575 Selling price: $37,640 The Money factor is .00180 The residual is 26120.00
*Fees: 718.00**Sales tax: 2,634.80
36mths/ 15k= $506.97 (first payment due at signing)
Below is the pricing that I got for 2015 Toyota Highlander XLE AWD in NJ. Let me know what your thoughts are and if you think it's possible to be in the mid 4s.
Also will be turning back 13 Highlander, so that should adjust the monthly payments depending on the equity.
Retail Price: $39,575 Selling price: $37,640 The Money factor is .00180 The residual is 26120.00
*Fees: 718.00**Sales tax: 2,634.80
36mths/ 15k= $506.97 (first payment due at signing)
Hello Guys I'm new here. I'm interested in leasing a 2015 Toyota Highlander Limited in San Diego California. Dealer has a great price on the car at $38331 (from a MSRP of $42,273). They say Toyota is not supporting the Highlander leases and that the MF would be .0025 and the residual value $27,036, my credit score is 720 so I belive I'm Tier 1+. They claim that the MF is coming directly from Toyota. Can you confirm the MF and residual for this region of California? Thanks.
Hello Guys I'm new here. I'm interested in leasing a 2015 Toyota Highlander Limited in San Diego California. Dealer has a great price on the car at $38331 (from a MSRP of $42,273). They say Toyota is not supporting the Highlander leases and that the MF would be .0025 and the residual value $27,036, my credit score is 720 so I belive I'm Tier 1+. They claim that the MF is coming directly from Toyota. Can you confirm the MF and residual for this region of California? Thanks.
We haven't seen any money factors for the Highlander, because they aren't supported.
.0025 seems a little high, even for an unsupported rate, but I can't say it's wrong. I would have expected something more in the .0020-.0022 range.
OK so on the Highlander Limited I was able to make them lower the MF to .00240 so the lease will have a $27,036 residual which is about 64% and the sale price is $38,331 which is about $3,900 less than MSRP. The lease has an acquisition fee of $650 and no security deposit, 36 months with 12,000 miles. I'm putting $2999 at signing which includes the first month payment. The monthly payment will be $466 including tax. I did not want to pay more than the $450 I was paying for my 2012 Buick enclave which I bought used. So the payment is pretty close and the car is certainly a nice upgrade. So overall the deal looks good right?
Now it is between my deal on an Explorer and this Highlander! Decisions decisions....
Highlander XLE AWD MSRP $40601 Sales person said 68 and .00180 for 36/12 Sales price $ 36800 What payment do you get with those numbers. Because, as always, there's is strange!!! Title fees, doc fee paying cash. Destination charge included in above sales price
Now it is between my deal on an Explorer and this Highlander! Decisions decisions....
Highlander XLE AWD MSRP $40601 Sales person said 68 and .00180 for 36/12 Sales price $ 36800 What payment do you get with those numbers. Because, as always, there's is strange!!! Title fees, doc fee paying cash. Destination charge included in above sales price
I'm using an online lease calculator Msrp. $40601 final sales price $36800 down payment 0 sales tax 7% 36 month .00180 lending rate car value at end of loan $27608 $262.39 before tax $280.76 with tax
what am I punching in wrong? Again, thank you. I do not want to look like an idiot when I go into the dealership;-)
I'm using an online lease calculator Msrp. $40601 final sales price $36800 down payment 0 sales tax 7% 36 month .00180 lending rate car value at end of loan $27608 $262.39 before tax $280.76 with tax
what am I punching in wrong? Again, thank you. I do not want to look like an idiot when I go into the dealership;-)
Can't help you with the calculator issues; online calculators often make assumptions we know nothing about.
Using the numbers you've provided (68% residual), I get $397.24/mo with 7% tax.
I finally have this lease calculating down! The link you gave is so helpful! Do you have the rv and mf for Indiana. 24 mo 12 mi. Same car as above... XLE
I finally have this lease calculating down! The link you gave is so helpful! Do you have the rv and mf for Indiana. 24 mo 12 mi. Same car as above... XLE
MF is probably the same across the country for the Highlander ... and so is the residual.
Comments
We'd need to have more details - MSRP and selling price / cap cost in order to fully evaluate the deal. Tax rate for you in NY will help, too.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
I am looking at a 2015 AWD Limited and Platinum on a 36/12,000. I was quoted 61% and 58% respectively with a mf of .00199. I am located in NC so I would fall under their Southeast programs.
I was under the impression I should be at 65% for the Limited and 63% for the Platinum. I believe the mf should be .00197. Can you please confim which is correct?
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Gross Cap cost $38522.79
Adjusted cap cost $37225.79
Residual $24754.00
Depreciation $12471.79
Rent charge $4016.16
Total base payments $16487.95
Monthly payment $458.00
NY tax rate 8.625%
My calculations lead me to conclude not so great a deal:
$348.43 depreciation (Car)
$29.88 tax
$81.66 interest. Am I correct in calculating this as MF= 0.03402?
Please correct me if I am wrong
Might want to try another Toyota dealer. Only takes one to meet your numbers.
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36/15 residuals:
AWD Limited - 63%
AWD Platinum - 61%
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2017 Chrysler Pacifica Limited
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
63% for AWD
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
I'm new to the site today, posted in Acura MDX earlier. Thanks for your help!
However, we are also looking at a 2015 Highlander Limited Plat AWD, as well.
MSRP: 45,222.06
"Special Price" 41,887.00
IL Tax: 7% (2,945.63)
168.43 Doc fee
221.00 Plates and Reg.
Dealer saying won't do 36mo/10k/yr only 36/12k True?
Residual $28,520
Total Monthly Payment: $611.68
Total Drive off: $832.68
I feel like this is still too high. Realistically, how much lower do you think?
Or is this what it is?
Thanks!
2) In most areas of the country, Toyota does not offer 10K/yr leases
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Basically, after getting sale price down to 41,887
dealer offer sheet states residual of 28,520 (63%)
doing the math I get a lease payment 490.65
tax (7%) of $525/mo 36/36
Dealer at 611.68 w/832.68 down for
'15 highlander limited Plat
am I accurate?
Basically, after getting sale price down to 41,887
dealer offer sheet states residual of 28,520 (63%)
doing the math I get a lease payment 490.65
tax (7%) of $525/mo 36/36
Dealer at 611.68 w/832.68 down for
'15 highlander limited Plat
am I accurate?
Yes.. with the numbers you have, your calculation is correct. Ask the dealer for the CAP cost. Didn't see any mention of the TFS acquisition fee ($650). Also, the tax amount on the lease, as the tax in IL is collected upfront and added to the CAP cost (but, it can't be $2945). Once you get the CAP cost, you might find other fees and extras added that you didn't know about.
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The $41,887 is the selling price; the cap cost includes any taxes and fees that you add to that (bank fee, dealer fee, taxes, DMV costs).
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
I'm considering leasing a 2015 Toyota Highlander XLE AWD.
Here is what the dealer quoted me today.
MSRP: $39,570
Selling price: $36,570
Monthly payment 24 month/15k miles: $466
Monthly payment 36 month/15k miles: $453
Only the first month payment due at signing. Payment includes all taxes, title and acquisition fee.
Could you let me know if this is a decent deal? I'm located in Maine - sales tax is 5.5%.
I'm on the fence about doing this now or waiting for the 2016 model to hit ground.
Thanks,
Rolling everything in, those numbers are pretty close.
No idea what Highlanders are selling for, but the lease numbers appear correct.
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Using your MSRP and selling prices, I get a payment of $422/mo for 24 months or $420/mo for 36 months - both with tax (I assume ME taxes just the monthly payment).
Find out what the net cap cost is - if higher than the selling price, have the dealer explain why.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Below is the pricing that I got for 2015 Toyota Highlander XLE AWD in NJ.
Let me know what your thoughts are and if you think it's possible to be in the mid 4s.
Also will be turning back 13 Highlander, so that should adjust the monthly payments depending on the equity.
Retail Price: $39,575
Selling price: $37,640
The Money factor is .00180
The residual is 26120.00
*Fees: 718.00**Sales tax: 2,634.80
36mths/ 15k= $506.97 (first payment due at signing)
*fees include: doc fee 309.50, registration, NJ tire tax 7.50
**Finance Tax 7.0000%, Supplemental Titling fee 0.4000%
Thanks!
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In the past, .00170 MF... but, no 4th quarter residuals.
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I'm new here. I'm interested in leasing a 2015 Toyota Highlander Limited in San Diego California. Dealer has a great price on the car at $38331 (from a MSRP of $42,273). They say Toyota is not supporting the Highlander leases and that the MF would be .0025 and the residual value $27,036, my credit score is 720 so I belive I'm Tier 1+. They claim that the MF is coming directly from Toyota. Can you confirm the MF and residual for this region of California? Thanks.
.0025 seems a little high, even for an unsupported rate, but I can't say it's wrong. I would have expected something more in the .0020-.0022 range.
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The dealers have to look up the actual residual amount for each unit in stock.
But, 64% or so seems about right.
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Thanks!
We don't have the money factor, but it should be around .0020
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Highlander XLE AWD
MSRP $40601
Sales person said 68 and .00180 for 36/12
Sales price $ 36800
What payment do you get with those numbers. Because, as always, there's is strange!!!
Title fees, doc fee paying cash. Destination charge included in above sales price
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Are you adding the CAP cost and residual, then multiplying by the money factor, for the finance portion?
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Msrp. $40601
final sales price $36800
down payment 0
sales tax 7%
36 month
.00180 lending rate
car value at end of loan $27608
$262.39 before tax
$280.76 with tax
what am I punching in wrong? Again, thank you. I do not want to look like an idiot when I go into the dealership;-)
Using the numbers you've provided (68% residual), I get $397.24/mo with 7% tax.
Try this article to build your own calculator:
http://www.edmunds.com/car-leasing/calculate-your-own-lease-payment.html
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Do you have the rv and mf for Indiana. 24 mo 12 mi. Same car as above... XLE
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