Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Any way to find which dealers use US Bank?
.00152 and 66%
Looks like those numbers are only through US Bank. The local dealers are only using GM financial, which has same MF, but are at 61% for residual for those same terms.
Any way to find which dealers use US Bank?
It is up to the dealer to decide which bank to use. Often, they will use the bank that results in the best payment for the customer. But, there are times where there are incentives for the dealer to use a particular bank.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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2WD Yukon SLT, 36/12
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2016 Yukon SLE 4WD
MSRP: $56,780 (conv pkg, driver alert pkg and 22" wheels)
Term: 36 months/10 miles per year
Payment: $429 inc tax (6% here in MI)
Due at signing: $1,000 (includes 1st month payment, doc fee etc...)
**Dealer added leather and heated seats to SLE
**I qualify for GM Employee and lease loyalty
**Dealer is paying one payment ($369) of a previous lease to entice me
**Metro Detroit dealer
Am I leaving anything in the table? I was hoping with a 68% residual that the payment would be lower but the MF is large part of the monthly payment.
Thanks for the help this forum is AWESOME!
And, $429/mo on a $57K vehicle is a pretty decent payment - I'm guessing the way discounted price you are eligible for is helping this.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Working backwards, that gives me an adjusted cap cost of $47,400 to get $429/mo with tax
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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thank you
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
No 7.5K option for GMC.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
36 months is the sweet spot - .00152 and 61% (Denali 36/10) or 66% (SLT 36/10)
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
36 or 39 months would be much cheaper than 24.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Lease Quote
Term: 36 Months
Annual Mileage: 12k
MSRP: $78,555
Dealer Discount: $8,056
Net Selling Price: $70,499
Lease Cash: $500
Other Incentives: $500
Taxes, Tag and Title: $2,682.72 (this is being added into the Net Cap Cost)
Acquisition Fee: $595
Net Cap Cost: $73,277
Residual 60%/$47,133
Monthly Payment: $1,010.38 (only amount due at signing).
Purchase:
GMC is running a 72 month/0% interest financing option. I haven't got a quote on a purchase, but I imagine the Net Selling Price would be similar and so would the taxes, tag and title.
If I am calculating things correctly, it looks like my money factor on the lease is approximately .00237, which seems like the dealer is marking it up substantially based off the money factors I have seen posted above. Am I doing my math right? Is the money factor for this vehicle and term still .00152.
Any thoughts and help would be appreciated. Thanks.
0%/72 month payment would be $1018/mo.
Not sure I'd lease, even at $900/mo., if I could get that.
(assuming you can purchase at the NET CAP)
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This is in Southern Illinois. Now that I think about it, the taxes, tag and title would likely be higher for a purchase than a lease since I am probably taxed on the full value of the car, correct?
Unfortunately, the 0%/72 month deal expired yesterday. So are the lease terms I am being offered not very favorable? Was I correct that the dealer is marking up the money factor significantly? Any suggestions on what a favorable lease term would look like on a Denali with that MSRP? Thanks.
Yes, the tax would be about $2500-$3000 higher on a purchase.
I agree with your assessment of the money factor. Looks to be marked up quite a bit. With .00152, I get around $910/mo.
It's either that, or there is a different program in So.Illinois that we don't have. Either way, I wouldn't lease at that price.
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Does that MF sound high?
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
"Trust, but verify" - call the dealer and ask them to confirm the cap cost for the units in question.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Also any thoughts on a $73k MSRP being sold for $65.5k with Costco pricing? Ok deal or should we push more?
Don't know about pricing on the Yukon XL - can't tell you if that's a good discount or not.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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Thanks!!
http://forums.edmunds.com/discussion/43459/gmc/yukon/2017-gmc-yukon-lease-questions/p1?new=1
Thanks!
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any lease numbers on 2016 awd denali?
looking for 10k miles per year for 24, 36, 39 and 42 months
Thank you
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Edmunds Price Checker
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige