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2013 and earlier-Acura TL Lease Questions

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  • mvc_jonesmvc_jones Member Posts: 88
    Based on those numbers I think you are even better off buying the 2006, unless you have a tax incentive to lease. The equivalent $0 down lease for those numbers is probably around $550/month tax included, you could probably buy for $100 or so more per month, get equity, and unlimited miles.

    If you do the lease, I agree with CarMan, put $0. With money down, you are just prepaying future lease payments, and if you wreck the car, those prepayments are gone, you are just subsidizing any potential insurance settlement. $0 down makes sense with any lease, that's what I always did, put the down payment in a money market and use it to supplement payments as they are due on a $0 down lease...
  • twmarktwmark Member Posts: 41
    that sounds really high. if you can get one without navigation for about 399-409 with zero down 1500$ total out of pocket, i would think you could get one with navigation for about 419-429/month+ tax
  • kyfdxkyfdx Moderator Posts: 237,123
    NAV-equipped TLs have lower residuals... So, if you pay $2000 more for the NAV-equipped model, the residual is only about $400 higher.. $1600 over 36 months is $44/mo..

    Navigation is an expensive option, once you consider the re-sale aspects..

    regards,
    kyfdx
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  • twmarktwmark Member Posts: 41
    Now that you point that out that navigation lowers the residual on a car, isn't it true with all options? I noticed a fully loaded BMW 325 without navigation can go for as much as 600/month (1500 total out of pocket lease). Options quickly increase the monthly payments out of proportion to the payments for the base car.
  • kyfdxkyfdx Moderator Posts: 237,123
    Actually... not the case at all..

    Other than NAV, and excepting Toyotas, all options that are on the sticker and added at the factory, are residualized at the same rate as the base price.. So, the price goes up proportionately..

    For example... XYZ car has a base price of $30K and a residual of 60% for a 3yr/36K lease... The residual is $18K.. If you add $2K of options, then the $32K car still has a 60% residual... In this example, $19,200.. So, you are paying extra for the options, but at the same rate as the base car.. For the sake of simplicity, assume that the car sells at MSRP.. The depreciation on the base car is $30K - $18K = $12K.. The depreciation of the car with $2K in options is $32K - $19.2K = $12,800.. The extra $2K in options add $800 to your bill over the lease term..

    Compare that to an Acura TL.. If the non-NAV car has a base price of $34K and a residual of 60%, that results in a residual price of $20,400... The NAV model has a base price of $36K and a residual of 58%, resulting in a residual of $20,880...

    $34K - $20.4K = $13.6K on the base car
    $36K - $20.88K = $15.12K on the NAV-equipped car
    The extra $2K NAV option adds $1520 to the cost of the lease...

    These aren't the exact numbers, but they reflect the reality of it... NAV on a leased BMW isn't nearly as expensive, as it is residualized as any other option.. Acura and Honda actually treat NAV-equipped cars as separate models.. with different residuals...

    It varies by make... some other makes treat NAV as Acura/Honda does... others don't make that distinction..

    regards,
    kyfdx
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  • twmarktwmark Member Posts: 41
    Wow. Thank you for all that information. I really had not idea it worked like that.
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Leaseboy, 15,000 miles per year is the highest mileage allowance that Honda Finance publishes residual values for. If you need to drive more than this, you will need to purchase additional miles on a per-mile basis. It is less expensive to do so at lease signing than it is to wait until the end of your lease and have to pay an excess mileage penalty.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    I sure do, Mike. If you were to lease a 2006 Acura TL with navigation and an automatic transmission through Honda Finance right now for 48 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00235 and 46%, respectively. Using these numbers, an MSRP of $35,940, and a selling price of $32,820 (dealer invoice - this may be a little optimistic though), I estimate that this car should have a zero down, pre-tax monthly payment of around $456.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi naviguy. $1,500 under dealer invoice is obviously a good price for this car. The problem is that the residual values of leftover models have often fallen to the point that they are more expensive to lease than equivalent models from the current model year. This appears to be the case with the '05 TL that you are considering. Honda Finance's current 36 month, 15,000 mile per year residual value for an '05 TL without navigation is currently 50%. This compares to 57% for an otherwise equivalent lease of a 2006 model. If you want to finance for pay cash for this 2005 TL, you are going to get a good deal, but if you want to lease you will probably be better off going with the newer model.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey naviguy. Sales tax rules vary from state to state, but yes in many states consumers are only required to pay sales tax on the difference in price between their old vehicle and their new one.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're welcome, jaypolostls. Let's see how much a $5,000 down payment would drop the monthly payment of the car that we have been discussing. According to my calculations, if you were to lease a 2006 TL with navigation with an MSRP of $35,940 and a dealer invoice of $33,570 through Honda Finance right now for 36 months with 12,000 miles per year, with $5,000 down, its pre-tax monthly payment would be around $335. The payment for an otherwise identical 42 month lease should be $324.

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  • sixsigma1sixsigma1 Member Posts: 1
    Car_man,

    Two questions. Is the $5K down the total that would be due or would all of the "firsts" also have to be paid. Secondly, assuming that your calculations are based on paying list for the car, if the dealer takes off $1,000, then would the down payment go down $1K as well (and $2K for $2K, etc)?

    Regards,
    Sixsigma1
  • phparekhphparekh Member Posts: 3
    Hi Car Man,

    If I wanted to lease a 2006 TL w/Nav and say my negotiated price was $750 over list which would take it to $33,570 including Dest., what would my MF and Residual % be at a 36month lease, $0 Cap reduction, 12K miles? Also what would my monthly payment be?

    What would the acquisition fee be?

    Can you negotiate the MF, Residual amount and Acquisition Fee?

    Thanks and looking forward to your reply.
  • mets1233mets1233 Member Posts: 9
    why do you want to wait for the 2007's??? won't it basicalyly be the same exact car? do you know of any differences?
    thanks
  • mets1233mets1233 Member Posts: 9
    This past June I bought a 2004 preowned TL. I still owe 29 thousand $ on it. Till this day I regret not getting navigation with it even though I bought a portable one. in any case I figured that I don't love the car enough as is (no extras like navigation or a spec) to keep it long term so I figured that when I finish paying it off or at least come to where I owe equal to what it's worth I will sell it back and either buy what I really want or lease a tl with nav...in any case I've been thinking...why not sell it now and yea I'll be losing about 5-7 thousand since I'll only get about 23-24 thousand and I owe close to 30k but then I can LEASE a tl and only pay 450 a month so won't the money I save by paying only 450 a month instead of the $700 I pay now to finance offset the loss somewhat? I can live with losing 2-3 thousand to make me happy...but obviously not more...am I missing something? please tell me if I'm making a huge mistake because I really want to do this...PS my 04 is black on black but I was thinking about the blue 06...is the blue nice? anyone have pics?
    PLEASE set me straight and tell me it's not big deal to do what I'm thinking or tell me I'm crazy...I just need to know what you guys who are alot more experienced and more knowledgeable than I am think.
    Thank You!!!!!!
    Jason
  • scsethscseth Member Posts: 7
    I wanted to thank everyone on this list. I just leased a '06 Acura TL (w/o NAV). This is my first time leasing a car and this list gave me all the info I needed to be prepared. The dealer first offered me a sales price of $33225 which I negotiated down to $32600 which includes the $306 for the protection package (trunk tray, wheel locks, splash guards). The invoice was $31299, the money factor .0026. I do not think I got the best deal in the world, but thankfully knew enough not to accept the first offer and to negotiate it down to something reasonable for both of us.
  • brock56brock56 Member Posts: 2
    Can someone give me the residual and base money factor for an 48mo lease on a 06 TL w/Nav, 15k miles/year. Thank you.
  • brock56brock56 Member Posts: 2
    Not sure if it matters but I forgot to include that I am in CA. Thanks
  • mcduttsmcdutts Member Posts: 1
    I'm new to this board, but I've already read a lot of great information on the lease deals people are actually making on the TL. I did notice, however, that Acura has what appears to be a new lease incetive on the TL for February? I did a quick calulation and it appears to have a low MF (less than .002), and is based on a 3yr lease w/ 10K mls/yr?

    Does anyone have any direct knowledge as to whether it is as good a deal as it sounds? i.e. can you still get the great deals on price with this as well as the low MF. Also, is this only for the 10K/yr leases or are they offering similar incentives for a 15K/yr lease?

    Thanks for any help.
  • pittfallpittfall Member Posts: 9
    Can you please tell me what was your final monthly payment on your 06'TL
    Thanks
    pittfall
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Greetings phparekh. If you were to lease a 2006 Acura TL with navigation through Honda Finance right now for 36 months with 12,000 miles per year, its buy rate lease money factor and residual value should be .00260 and 58%, respectively. I'd be happy to use this information to estimate what your car's lease payment should be for you, however in order for me to do so I need you to provide me with its full MSRP (you already mentioned the other important number - the selling price).

    Honda Finance charges a $595 acquisition fee on every vehicle that it leases. Individual dealers do not have the authority to waive this fee. Dealers cannot alter vehicles' residual values either. They can, and sometimes do "mark-up" vehicles' lease money factors to add additional hidden back-end profit to deals. You can avoid this mark-up by making sure that the dealer that you are working with is using the .00260 money factor that I mentioned earlier to calculate your car's lease payment. Keep in mind though that you have to qualify for Honda Finance's "Super Preferred" credit tier and pay a security deposit to qualify for that factor. If you choose to have your security deposit waived, your car's factor would be .00010 higher.

    Anyhow, let me know the MSRP and I'll give you an idea of what your lease payment should be like.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi Jason. If I was personally in your situation, I would wait until I was less upside down to lease a new vehicle. I suppose that if you can afford to pay the $7,000 that you are currently upside down on your car out of your own pocket that you will make back some of that money by having a lower monthly payment. Still, it seems a little excessive to me to shell out so much money to get out of a car just to get one that has a factory navigation system.

    For feedback on what the blue TL looks like, try stopping by the following discussion: "Acura TL".

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  • scsethscseth Member Posts: 7
    Monthly payment will be $431
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Congratulations on your new car, scseth. I'm glad that you found this discussion so helpful.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello brock56. According to the latest information that I have seen, if you were to lease a 2006 Acura TL with navigation through Honda Finance right now for 48 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00235 and 46%, respectively.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi mcdutts. Where did you hear that Acura is providing lease support on the TL in February? I'm pretty sure that Acura is still not providing any sort of lease support on the 2006 TL. Regardless of what this car's lease money factor is currently like, it should have absolutely no impact upon your ability to negotiate an attractive selling price. Vehicle's money factors and any support that is available on them are set and paid for by manufacturers and usually do not cost individual dealers a dime. Similarly, the mileage allowance that you choose should not have any impact upon your vehicle's money factor either. Switching from 10,000 to 15,000 miles per year will result in a 3% drop in your car's residual value though, which in turn will make its monthly payment increase.

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  • trenztrenz Member Posts: 9
    I am looking to lease a TL. I am trying to learn about leasing. I wonder if someone could explain how this advertised lease from Acura breaks down. I put the numbers into the lease calculator here on Edmonds and I get a payment over $500. I know the $399 doesn't include tax but I am obviously not understanding something. I appreciate any help.

    Closed-end lease for 2006 TL V6 5-Speed Automatic Transmission (Model UA6626JW)
    $399.00 per month for 36 months with a $2,500.00 capitalized cost reduction.
    $3,894.00 total due at lease signing (includes first month's payment, security deposit, acquisition fee and capitalized cost reduction; total net capitalized cost and base monthly payment does not include tax, license, title, registration, documentation fees, options, insurance and the like)

    MSRP $33,940.00 (includes destination). Actual net capitalized cost $30,012.88.
    Total monthly payments $14,364.00.
    Option to purchase at lease end $20,364.00.
  • trenztrenz Member Posts: 9
    I think I figured it out. The whole $3894, including cap cost reduction,first payment,security deposit, and acquisition fee all get added to the lease as a cap cost reduction. If I do it this way the numbers come out almost exactly as Acura advertises. I had to use a calculator other than Edmonds that was easier for me (not sure if I could mention which website it was so I didn't). It seemed a little odd to me at first the way they calculate it but I know nothing about leases that is why I am here. I am sure I will be back as I get deeper into my quest.
    Thanks
  • mdmcarsmdmcars Member Posts: 1
    Ok, I think this is not really too complicated, so I will give it a shot.

    First of all, it looks like they are requiring you to put down $2500 to reduce the cap cost. This is part of the $3894 they want at signing. If you add that $2500 back in, the selling price of the car is 32512.88. So they are taking about $1428 off the MSRP (decent, but not great).

    If you were to roll the 2500 back into the payments over 36 months, your payments will go up about $69 a month. If you roll the security deposit and acquisition fee into the payment too, you are looking at about $97 more a month. So roughly around $497 + TTL for 36 months, with 10k miles/yr, and first months payment due at signing.
  • trenztrenz Member Posts: 9
    you got me even more confused. They are advertising $399 a month plus tax. What I did was use the lease calculator on leaseguide.com. If you want to try that to see what I did here are the numbers I entered or were entered automatically
    step 1 33940 (msrp)
    step 2 33940 (msrp since no advertised discount)
    step 3 0
    step 4 2500/0/1394 (total of 3894)
    step 5 30046
    step 6 20364 (as per above Acura ad)
    step 7 .0026
    step 8 36
    step 9 6%

    that comes out to a payment of $400.01 + $24 tax. Acura is advertising $399 per month + tax so that is almost exact. It seems that they use the whole $3894 as a sort of cap cost reduction when calculating the lease. I am hoping to confirm this so I can figure out my lease with the selling price I hope to bargain for before I go to the dealer. I may post with the numbers I hope to get and let you experienced guys tell me the payments
    Thanks
  • trenztrenz Member Posts: 9
    06 auto with nav
    msrp 35940
    10k per year
    36 months

    the following I got from Acura:
    residual 21204
    money factor .0026
    title and license 274+159 (not sure if I got those reversed)
    acquisition 595
    security deposit is equal to first month payment rounded up to the next $25

    I would hope to get this for no more than $1000 over invoice so selling price of 33820

    I really appreciate the help
  • cjs1cjs1 Member Posts: 4
    Car Man - Can you tell be the current residual % and money factor through Acura for a 2006 TL Auto without nav at 12k miles/year? I'm interested in the numbers for both a 36 and 48 month term. Thanks.
  • pittfallpittfall Member Posts: 9
    Hi,
    This is my first experience with the lease. Looking for a 06 TL w/o Nav. The best quote so far I have received is a selling price of $31,219 with a pre tax payment of 461.48/month for a 36month/12,000 miles lease. This is with a zero down.
    Any suggestions or comments?
    I'll appreciate the help.
    Thanks
  • twmarktwmark Member Posts: 41
    I leased a 2006 TL auto w/o Navigation for 1200 total out of pocket (including Florida tax tags dealer fees etc) for 429/month. 48 month 48000 miles.

    If I could do it again, I would offer them 1500 total out of pocket for 409/month. (apparently this is what another customer got at my dealer)
  • pittfallpittfall Member Posts: 9
    Thanks twmark. I'll use these quotes to see if i can get any better price.
  • dent0579dent0579 Member Posts: 4
    Hello first time car buyer and I was offered 500 over invoice on an 06 TL with nav, 1500 down .00195 money factor for payment of 502.22 for 36 months 15k miles in ohio is this a good deal? Was also offered BMW 325i similarily equipped no navi 12k 24 month nothing down 546 (37145 with tax) (no negotiations )which is better, i hesrd i might get a better deal on a 330i because of money factor if anyone knows if it is true let me know, Thanks!
  • cjs1cjs1 Member Posts: 4
    Hi Car_man. I know it takes you a few days to get around to all the boards, so I wanted to add one question to my last post (#239) since I'm close to finalizing a deal. In addition to the factor and residual for the 36 and 48 month lease on a 2006 TL auto (no nav) @12k/year, are the rates for a 39 or 42 month lease worth looking at or is Acura just offering a decent money factor on the 36 month as the dealer is telling me? Thanks!
  • levitynyc1levitynyc1 Member Posts: 3
    Thats a little high for the TL. For a slightly better deal, try upping it 42 months and perhaps lower the mileage. With 0 down it should cost about 475 with tax included.
  • ejoyce423ejoyce423 Member Posts: 42
    car man/kyfdx,

    Please post current AHFC money factor / residual for the following terms.

    TL w/NAV 42MTH 12K Annual
    TL no NAV 42MTH 12K Annual

    We are looking to make a deal this weekend. We were quoted the following with $1000 total OOP including the 6% tax.

    TL w/NAV 42MTH 12K Annual .00245 52% $490.41
    TL no NAV 42MTH 12K Annual .00245 59% $454.85

    They are selling the vehicle at invoice.

    Can you also explain why the residual value percentage is so different between the NAV and no NAV models? Is it that they never recover the value of the NAV on a resale?

    Thanks for all your assistance.
  • ejoyce423ejoyce423 Member Posts: 42
    We just leased a 2006 TL w/NAV for 42 months and 12K miles annually for $465.98 with $1000 cash due at delivery. This deal was calculated with AHFC money factor of .00245 and 54% residual value percentage. The actual price paid for the vehicle was $32,345 including destination which is $475 under invoice. There were no surprises and absolutely no high pressure sales tactics. In New Jersey, we highly recommend Marty Sussman Acura of Pleasantville.
  • nea1nea1 Member Posts: 6
    For what it's worth:

    Just picked up my '06 TL - non-navi, Anthracite w/ ebony.

    Selling price: 31,500
    Cap Cost: 32,750 (incudes sales tax @ 7%)
    Residual: 58%
    MF: .00185
    36 mos/12,000 per year
    MP: $460
    Pretax MP: $429 (or something close)
    $1,200 due at signing - 1st mo payment and bank fee + tags/title

    This was done through local credit union as they had best lease rate.

    Negotiated everything via internet. Met the saleman for 1st time when we p/u the car. Had a trade-in which took about 30 minutes to negotiate to get the price I wanted.

    Whole process was painless and I have a great car.

    Lindsay Acura: Very pleasant to deal with. Completely the opposite experience from Acura of Dublin. Would highly recommend Lindsay!

    Also looked at '06 Audi A4 2.0T quattro. Nice car, but price quickly goes out of sight to equip similarly to a TL. I can live w/o the 4-wheel drive - particularly this year.
  • uncleargyleuncleargyle Member Posts: 1
    I recently started negotiations through email with a local Acura dealership here in Tempe, AZ. The car I'm looking for:

    2006 Acura TL with Navigation
    Color: Desert Mist
    Interior: Parchment
    Acura Music Link for iPod

    Lease Term: 36 months
    Mileage: 12,000 per year
    $0 down payment

    Here's the info I 've been sent so far from the sales agent:

    "The selling price of your prospective vehicle, is $33,972.00 + $486.90 for your iPod installed. In leasing the price is not taxed, its the payment that is taxed. Normally, the customer will pay a front fee, which includes for example, your first payment and licencing. This fee, I rolled into the payment, $569. + tax x 36 mo. at 12k miles per year."

    Any of this sound good/bad/fishy? The tax only on the payment sounds weird to me.

    Any help would be greatly appreciated.

    Thanks
  • mvc_jonesmvc_jones Member Posts: 88
    In many states you only pay tax on the payment, which is essentially tax on the lease rent of the car. This is true in NV where I live, so you will only pay tax on the portion of the car that you 'use'.

    I think the selling price is high and for that payment you could probably come close to buying the car with $0 down on a 60 month loan at 5% or so. You need to find out all terms of the deal, i.e. MSRP, selling price, money factor, residual, fees, etc... There may be hidden profit in this deal.

    If you are in a market like mine, with 1 Acura dealer, if you want to stay local, your negotiation power is limited, I would get email or fax quotes from CA and use these to bargain, you should expect to pay a competitive CA cost for the lease + possibly (but not definitely, bargain hard) a local 'convenience' cost to not have to go out of state, possibly $500-$1000?

    Good luck.
  • billyperks1billyperks1 Member Posts: 151
    Also, dont let them know that you are leasing, try and negotiate a purchasing price first (usually start from invoice), then when you are satisfied, announce to them you are intrested in leasing the car.

    I learned the hard way back in 1999 when I had just graduated from college.I went into the Mazda dealership and announced that I wanted to lease a Millenia, they took me to the bank on that-Literally.
  • zombiemanzombieman Member Posts: 14
    I'd like to do a lease on a TL with navi, but Texas is one of two friggin' states that require the Sales Tax (6.25%) to be paid up front on the entire actual selling price of the car.

    What's the best way to handle this in a lease situation? Going ahead and paying it along with your Tag & Title will keep the payment down, but that's a chunk of change on $32-34K ($2000-$2200 in Sales Tax alone).

    If you have leased in Texas, please tell what you have done (or plan to do in the future).

    Thanks!!!
  • ckidderckidder Member Posts: 3
    I am in Tampa. What dealer did you work out this deal with? I am trying to work out a deal for my father.
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi everyone. Acura is scheduled to publish its new March lease program today. I should have an opportunity to take a look at it by the end of the week. I would appreciate it if those of you who still have questions about leasing one post a note for me in a couple of days. Thanks.

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  • zombiemanzombieman Member Posts: 14
    Car_Man,

    When you find out what Honda Financial will be using for Acura TL leases will you please post the residuals (navi & non-navi) and what money factor they'll be using in March (assume very good to outstanding credit applies).

    I know they're different for time & miles so please tell me 36 months with both 12K/yr & 15K/yr miles. And also for a 48 month lease at 12K/yr & 15K/yr. If you want to throw in figures on 39 month & 42 month leases for fun that would be cool too!

    BTW, do you know anything about "Tax Credit" programs. Here in Texas, I had a dealership tell me that there are Tax Credits available where instead of being hit for the full 6.25% state sales tax (all up front here in Texas), with the Tax Credits a buyer would only have to pay for 1.2% tax.

    Thanks a lot!!!
  • biegbieg Member Posts: 3
    Car Man,

    I'm looking for the March money factors for an 06 TL w/nav Lease

    36, 39, and 42 months
    15,000 miles

    THANKS... Bieg
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello zombieman. If you were to lease a 2006 Acura TL without navigation through Honda Finance right now for 36 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00260 and 57%, respectively assuming that you qualify for its Super Preferred credit tier and pay a security deposit. The money factor for a TL with navigation would be the same, but the residual value would drop to 56%. If you were to lease with only 12,000 miles per year, the residual values would be 2% higher.

    The 39 month 15K numbers are currently .00260 / 54% without navigation and .00260 / 52% with it. The 48 month 15K numbers are currently .00235 / 47% without navigation and .00235 / 46% with it. Again, the 12K residuals would be 2% higher.

    Unfortunately, I don't know much about how sales tax is calculated on leased vehicles in Texas, other than the fact that it is expensive.

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