Just leased a new Honda Pilot at an Ohio dealership. During negotiations, I was told the money factor was .00209 for a 3 month lease. I told the car dealer that that was double the # listed on bankrate.com, but he said the money factor was non-negotiable. They game me 2k off the sticker price, with a great residual value, so I still agreed to the deal, but would like to be in the know, when I trade in the lease in a few years. Any advice on how to check if dealer's money factor is legit? Is it normal for their money factor to be non-negotiable, and to be double the interest rate on bankrate.com? Furthermore, the dealer said that my credit score (which is top notch) does not factor into the money factor percentage (which goes against what I found in my research). Thanks for your insights!