Hello fer1. Here's the information that you're looking for. Honda Finance's current buy rate lease money factor and residual value for a 36 month lease of a base 2009 Acura TSX with 15,000 miles per year are .00250 and 61%, respectively for consumers who qualify for its top aka "Super Preferred" credit tier. The numbers for an otherwise identical 39 month lease are .00250 and 60%.
When negotiating your lease on this car, make sure to take the $750 cash incentive that Acura is currently providing on it into account.
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Hi dae928. What you were told is not exactly true. Sure, technically you can get out if your current lease early if you really want to...but I am sorry to say that it will likely be very expensive to do so. In order to get out of your lease early, you need to purchase the vehicle that you are currently leasing from the bank that you are leasing it through. It often turns out that it costs more to do so than your vehicle is worth on the open market. Furthermore, many banks expect consumers who end their leases early to still make all, or at least the depreciation portion of their remaining lease payments. As you can see, this can get very expensive.
You can determine approximately how much it will cost you to get out of your current lease by comparing its purchase price to its value on the open market at this time. You should place a call to the bank that you are leasing your vehicle through to find out its exact price. Once you know exactly how much money it is going to cost you to buy your leased vehicle you need to compare it to its current value on the open market. You can find out approximately what your vehicle is worth by looking up its Edmunds.com True Market Value in the Used Vehicle Pricing section of this site. You also may want to stop by the following discussion: "Real-World Trade-In Values". Don't forget to check to see if you are still on the hook for your remaining lease payments. The difference between your leased vehicle's current value and how much it will cost you to buy it plus any remaining lease payments that you are obligated to pay will equal the cost of getting out of your lease right now. You may find that you are better off waiting until you are closer to the scheduled end of your lease to get another new vehicle.
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Hmmmmm, sorry for the confusion dolsey01. Honda Finance's current residual value for a 39 month lease of a base 2009 Acura TSX with 12,000 miles per year is 63%.
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In my experience when trading leased cars, I have never had to purchase my "leased" cars from the bank. I just trade them in.
They looked at my pay off amount, then looked at my trade in value, and the difference would be what I would have to absorb. Fortunately I have had Honda's so the value kept quite well. I was never told to go purchase my leased car. That actually might put you out more money then if you just traded it. There by incurring interest and fees. Not to mention the more time spent doing all of this. I know that this would cause some conflicts with me. I certainly don't have that time. I do understand this would be another option, but feel this one would be more expensive on top of an already potentially expensive move on trading.
I usually wait about 2yrs into the lease, and it seems to be a good time with values to do a trade. It really is all about timing, this is coming from experience I have had with my leases. I current lease a car, I have had it 1yr this spring. Plan to trade mid summer or Spring, or atleast see where I stand. Of course, if it is too expensive to do it, then I will wait.
Don't mean to override anyone's advice, because it is certainly true. This is just my take and experience.
I concur, I would also like to add that if you keep your car in excellent condition and have put far less miles than you are contracted on your lease, then there is a chance you will even get some equity out of your lease. I have traded in my leased vehicles twice with no more than $1000 in negative equity (one was over mileage and the other had been in an accident). You can easily offset that by leasing another car that is currently offering cash rebates or just negotiate a low sale price. For those who are under your allowed mileage, you may want to consider taking the car in for a trade-in appraisal, you just might get some money out of your ride.
what are the benefits of the acura graduate program? i know when i leased my nissan it was a $500 rebate but i can not find any information on the acura version other than the requirements to qualify....
does it offer cash back, lower rate, something else?
Thanks for sharing your thoughts on trading in lease vehicles guys. The values of used vehicles have absolutely imploded over the past year. I personally would be shocked if anyone was able to get out of a lease significantly before its expiration date and actually make a profit at this point, but your mileage may vary.
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Hi dtorz21. I don't believe that Acura is currently offering any cash incentives to recent college graduates on its products, but you should check with a dealer to make sure that this is indeed the case. Its graduate program likely just consists of extending Honda Finance's best lease and finance rates to recent graduates who do not have much of a credit history. Please let us know if you find out anything different.
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I traded my car back when the market was in a better state. Doing so now, well, that would be a tricky situation. Even your higher valued cars are going to not score as well for a trade. I plan to keep my current lease about 1-2yrs in. Then, I will see where I stand. I would never make a move that would put me a worse state, that would not be smart, and definitely not worth it. Even to get a new TSX. Well, maybe..lol
My TSX lease is up March 31 and I'm likely to get a new one. Is there any advantage to turning the old one in early? I've heard that some dealers offer to "pay" your last month but my tendency is to not believe they will give me anything for free. Any forecast on what next month will bring in terms of offers?
You're absolutely right, Spedprof. There's no such thing as a free lunch. Unless Acura is running some sort of official early lease termination program, and I don't believe that it is, getting out of your current lease early will likely hamper your ability to get the best possible deal on your new car.
It is difficult to say what Acura's March lease program for this car will be like. I suspect that it will be fairly similar to its current one, but no one knows for certain what it will look like until it is officially unveiled.
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I am sure your pay off and trade in are in pretty decent shape to move early on a new lease. That is literally next month, so we are talking only a few hundred,(car payment) away from lease turn in. You should be fine. In fact, it a better market, you could have traded about 2yrs in, give or take on that time frame. You would still be fine, but that is in a stronger market. But, you will be fine if you trade early now. We are talking only a few hundred difference. Your pay off is more likely to be under what your trade value is. So that is good! Given perfect condition.
But, do not expect equity or a lot of it. They usually give lower what KBB says or what you think. But make sure they are fair.
The only issue now, Pay off Trade value New car Sale price Current lease rates
In order to start the process, go to your dealer and do a trade- in appraisal. Find out your pay off amount directly from online or call personally to Honda before going in.
Then you will see where you stand, but with you being literally 1 month away, I don't see you having any complications if you decided to move forward now.
You can trade anytime during the lease, but your pay off versus your trade in value is what kills most deals if attempting to get out early, but I really don't consider you moving out as early, 1 month! Some will have a lease for only a short time, and then trade, well now they are paying double what they should be paying on the car, it keeps piling up, and that is not smart, especially on a depreciating item. Its not an investment.
In fact, you should be looking to get out now, waiting until the last minute only makes the deal more rushed and almost backs you into the dealers hands, then your deal might reflect this. The Honda website actually advise customers to look much earlier. Not trade, but start the process of lease turn in, seeking new information on new leases. Turning it in and walking away, buying the car out, or trading the car. Take a look on the Honda website.
Good Luck, go ahead seek all your options. You do have some time, but consider all the above too. You'll do fine! Go about it slowly.
Has anyone taken advantage of Acura's new advertised lease, $2500 down and $300 per month? More I look at it, the more I like this car. If they were to drop the downpayment to $1000 and kept the same monthly, I would get it in a flash.
It is usually not the best way to approach the deal with their advertisements. It does not reflect the "sale price", rather just MSRP. Start with a $0 down deal, sale price, then put money down. $1,000=$20-30 off payment. Read the above deals, I am sure you can get a really good deal, with low amount down.
Well, I was in contact with two dealers today. One wants $2,500 down (tax upfront) and $362 per month, 39 months, 12K miles. The other is a little better, $3,700 down and $300 per month. This is for the base model. Neither wants to move $1. This is just ridiculous. The problem is that the more I look at it, the more I like the car. I am thinking just to buy it used, maybe with 10K on a speedo.
As far as MSRP, dealer told me that they only use it to calculate the residual, however, the ad price includes the discounted price.
Based on the sale price I have been getting from Boston area dealers of approx $26500, you should be paying around $325 a month with only drive off fees for a 36M 12K lease. For me that would be first month at $325, acq at $595 title reg and "fees" around $275. before sales tax.
That's exactly how I did it, expanding the search upto 90 miles. I didn't just open the yellow book. Most of them replied with insane quotes, for example, $400 a month plus tax and $600 cash. Only one replied with a sale price of $25,990, which is what I am going to pursue. That dealership is 85 miles away.
That's the price I am getting when I plug in all the numbers. The problem is that I haven't had any luck of convincing a dealer to this deal. E-bay had 09 TSX for sale with tech package, only 1000 miles on speedo and no one purchased it for $24,800. If not for my current lease I would of definitely buy it.
My wife finally got to drive the TSX last night and really liked the car. We were either going to get the Accord EX-L V6 (Which is what we are replacing) or the TSX. The TSX is actually cheaper to lease than the Accord due to the higher residual and slightly lower MF. We are going to wrap up the deal this weekend. The lowest price I have received is $26519. Since it has 4 year bumper to bumper, we are going with the 39 month lease. It's about $10 a month cheaper. What is the thinking on paying the acq fee up front or rolling it in? My thoughts are, why pay more interest and just pay it up front. So we will be putting down first month, bogus $249 doc fee, tags and acq fee with approx a $317 payment plus sales tax MF of .0025 and residual of 62% for 39 months. Now I just have to get them to pickup the last payment on my Accord lease. Is there any more room in this deal besides the Doc Fee?
I don't think you mentioned the monthly payment? The lowest sale price I got was $25,990 with destination. Based on that I proposed my monthly payment to be $326 plus $1,300 for fees with 1st monthly payment. I have 3 more payments on my lease and the dealer suggested to buy it and then sell it to wholesaler. Waiting for confirmation from the dealer.
I settled at 26,495 with a set of all weather mats and trunk liner. My final 39M/12K payment is $332 including 5% MA sales tax with 1200 for First+Acq+Doc+Tags. The dealer does not have the car in stock and has to get it from another so they were not willing to go any lower and frankly I'm tired of car shopping so I agreed to the deal. I'm $20 lower than my current Accord EX-LV6 lease which did make me happy until I found out my insurance will be going up $300 a year with the TSX. Oh well :confuse:
Totally agree, good deal indeed. I am in NYC and contemplating a lease on a TSX Tech. The lowest that I get is around 430/month for 12k/39 months. How does that sound?
Yes, I have heard that as well...but I thinkthe number is country-wide.
Now I have a real dilemma...Since I heard the news about TSX's V6 plans, I do not know what to do....I still need t pick up the car within a month, but I wanted to get it in February (to capitalize on a $750.00 cash) and was willing to forego an extra month on my existing lease. Now I am thinking perhaps the dealers will be more aggressive pushing the exiating 4-cyl TSX off the lotts?
No, I don't think they'll be more motivated to move the 4cyl TSX's, because it will always be the standard in the TSX. If anything, they might push for the V6, but probably won't work as well on price for the V6 as the 4cyl. They will likely put it next to the TL, when shoppers come in to look for a TL. They would give them an option. The V6 will be an option in just engine, but certainly will not replace the 4cyl. It will just be another trim added to the car. People love the Honda 4cyl, and then a few will buy the V6 model, perhaps not justifying the extra cash on the TL.
They are offering deals on the 4cyl models, deals are to be had, just look around. I don't think anything will change on the 4cyl model deals. If anything the numbers will be more tight on the V6 model. If they don't sell like they want, than they'll adjust it to do better. Also just like if the V6 TSX hurts TL sales, they'll have to bump the sales on the TL. I know they will face all of this.
I live out in NYC. Every time I speak to a dealership they always telling me that the selling price of the vehicle has nothing to do with the lease... Why hell they keep telling me this if every time i research about leasing it always says negotiate sale price?
I'm trying to lease vehicle by this week so please help ASAP.
The Stimulus package that is working its way towards approval contains a provision that provides that sales tax for the first $49,500 of an auto sale is tax deductible for most earners (There is a salary cap for singles and marrieds). If I take a new lease and roll the sales tax into the payments, am I eligible for that deduction or must i pay the complete sales tax up front to be eligible? Regrettably deductibility of interest payments was taken out in the last compromise.
Based on the discussion here, I started to email dealers about leasing a new TSX even though my current lease is not up until March 31. I offered either 36 or 39 months. One dealer in responding pointed out that production was about to stop on the 09 TSX and that I best hurry in and make a deal or the colors that I want might not be available. While I discount that as sales talk, it does suggest that I stay away from 39 months and stick to 36 months since the situation at the end of this new lease (July, 2012) will put me at the end of the year when there might actually be a shortage of colors. I know it's a long way off, but I don't think the 36 month lease will be that much more right now.
Hi there. Looking for some help - please simplify for my sake.
Our MDX lease expires in April and we have been sent multiple mailers from Acura asking us to turn it in early, so we just might. We are looking to lease a TSX w/Tech. I have tried wrapping my brain around the posts regarding caps and residuals but no luck (I have 3 kids under 5), I would need a few hours without screaming to do so.
I have, however, requested numerous quotes from dealers with the first one coming in already. Maybe you can tell me how to interpret this (Chicagoland dealership).
"Price of $33,020 includes destination. You may have seen Acura's $299 lease special on the TSX base model, and here is a similar offer on the Technology model:
39 months = $369 $2499 due at signing, plus tax and license"
It seems decent, but I don't know if we're getting hosed somewhere or not. Any thoughts? Plus, how much could tax and license fee be? (Transfer of plates in IL I think is around $75?)
FYI: We are looking at 10K per year mileage. Our MDX is a 36 month lease and we are just shy of 20K on it.
This is from Naperville. We have always used McGrath in Westmont for our Acuras (CL, RDX, MDX), but do not have their quote yet.
And no, we won't be putting three carseats in the thing.
They tell you the sale price has nothing to do with the lease because they consider you to be ignorant and not familiar with the lease formula. The mainly do that to people who visit dealerships from my experience. Internet/fleet sales tend not to play those games in most cases since they know you have probably done your research online and know a thing or two about leasing. Here's a link to how the lease formula breaks down and you can clearly see how the sale price affects the lease payments. Also, you might wanna download the lease calculator. http://www.ridewithg.com/index.php/the-lease-formula/
Just tell them to see how they derive to their monthly payment and then run your numbers using info on this forum. They probably think we are still in the dark ages at this age when info is easily shared on the internet.
It looks like I am getting a 09 TSX with $1,100 cash and $326 a month. I will have to pay for my current lease for the whole 3 months, but since the dealer lowered the downpayment significantly, I decided to pull the trigger. If it goes through, I will be paying less than for 4cyl EXL Accord. Keeping my fingers crossed.
They are trying to double talk you. I started leasing cars to customers in 1968 so been there done that for almost anything. The selling price of the car, the residual value, the interest charge and taxes make up the lease payment. There is a federal truth in leasing act which requires the selling price to be revealed. here is your work around these unscrupulous guys. Ask them to see the lease printed on a lease document completely. There will be a boxed area with the required disclosures. Absent that, tell them that you need the following details...the breakdown of the total capitalized cost, the money factor, the residual percentage, the term, the mileage, the payment including all taxes and DMV fees, the allowed miles, and the amount of the check that you need to bring in when you pick the car up. If you list these items on a spread sheet and hand it to him you will enjoy the reaction.
Do all your leasing after you have settled on a cash buy price. The total capitalized cost should be made up of this number and perhaps an acquisition fee. Acquisition fees are in the $500.00 to $600.00 range. At the end you also need to know the early termination fee and the price for which you can purchase the car at the end of the lease. You can call me at work at 610-395-3745 once you have everything and I will be happy to look over the numbers.
Also consider this. You are leasing an '09 in '09 near the end of the model year. If you go 39 or better yet 42 months you will be in a position to lease a new '13 in '12. This is only a consideration if you are going to release another vehicle at the end of this lease.
These are they 2 factors for a good lease! You need to start out $0 down, then after you have seen your sale price, have your lease terms, then feel you want a lower payment, then place your money down. $1,000=roughly $20-$30 off your payment.
Also, be sure to look up and down the current posts in this forum, others have gotten great deals with $0 down! With your tech model you want, $0, looks like it might be had in the lower $400's. That is good!! Just take your time, send out the emails via Acura.com asking all of the above. Leave your trade out til the last minute too!! Right now, you just want clean and clear quotes.
Thanks! We are going this afternoon to the dealership that leased us our MDX. I had spoken to our previous salesperson and he indicated that what we were looking for may be possible (hmmm...). We can always walk, if not, since the MDX has 2 months to go. I'm really good at walking out and having them catch up to us at the door!
I saw a deal someone had gotten here for a TSX Tech and pretty much want something close to that...$1500 drive off, 39 months/12K and $363 + tax/month. Since we only need 10K a year, ours should be a few bucks lower, I am assuming. Plus he was paying a $299 security deposit in that $1500...since we have owned 3 Acuras in the past and always used Honda Finance, I think they are supposed to waive that fee. We'll see, depends on their mood today, and mine.
Thanks for the help with the basics! Definitely what I needed.
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When negotiating your lease on this car, make sure to take the $750 cash incentive that Acura is currently providing on it into account.
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You can determine approximately how much it will cost you to get out of your current lease by comparing its purchase price to its value on the open market at this time. You should place a call to the bank that you are leasing your vehicle through to find out its exact price. Once you know exactly how much money it is going to cost you to buy your leased vehicle you need to compare it to its current value on the open market. You can find out approximately what your vehicle is worth by looking up its Edmunds.com True Market Value in the Used Vehicle Pricing section of this site. You also may want to stop by the following discussion: "Real-World Trade-In Values". Don't forget to check to see if you are still on the hook for your remaining lease payments. The difference between your leased vehicle's current value and how much it will cost you to buy it plus any remaining lease payments that you are obligated to pay will equal the cost of getting out of your lease right now. You may find that you are better off waiting until you are closer to the scheduled end of your lease to get another new vehicle.
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They looked at my pay off amount, then looked at my trade in value, and the difference would be what I would have to absorb. Fortunately I have had Honda's so the value kept quite well. I was never told to go purchase my leased car. That actually might put you out more money then if you just traded it. There by incurring interest and fees. Not to mention the more time spent doing all of this. I know that this would cause some conflicts with me. I certainly don't have that time. I do understand this would be another option, but feel this one would be more expensive on top of an already potentially expensive move on trading.
I usually wait about 2yrs into the lease, and it seems to be a good time with values to do a trade. It really is all about timing, this is coming from experience I have had with my leases. I current lease a car, I have had it 1yr this spring. Plan to trade mid summer or Spring, or atleast see where I stand. Of course, if it is too expensive to do it, then I will wait.
Don't mean to override anyone's advice, because it is certainly true. This is just my take and experience.
G
does it offer cash back, lower rate, something else?
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Do you know the numbers for FEb yet?
Also, realistically, what the lowest I can go on tech TSX?
Thanx
My TSX lease is up March 31 and I'm likely to get a new one. Is there any advantage to turning the old one in early? I've heard that some dealers offer to "pay" your last month but my tendency is to not believe they will give me anything for free. Any forecast on what next month will bring in terms of offers?
Thanks.
Spedprof
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It is difficult to say what Acura's March lease program for this car will be like. I suspect that it will be fairly similar to its current one, but no one knows for certain what it will look like until it is officially unveiled.
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But, do not expect equity or a lot of it. They usually give lower what KBB says or what you think. But make sure they are fair.
The only issue now,
Pay off
Trade value
New car Sale price
Current lease rates
In order to start the process, go to your dealer and do a trade- in appraisal.
Find out your pay off amount directly from online or call personally to Honda before going in.
Then you will see where you stand, but with you being literally 1 month away, I don't see you having any complications if you decided to move forward now.
You can trade anytime during the lease, but your pay off versus your trade in value is what kills most deals if attempting to get out early, but I really don't consider you moving out as early, 1 month! Some will have a lease for only a short time, and then trade, well now they are paying double what they should be paying on the car, it keeps piling up, and that is not smart, especially on a depreciating item. Its not an investment.
In fact, you should be looking to get out now, waiting until the last minute only makes the deal more rushed and almost backs you into the dealers hands, then your deal might reflect this. The Honda website actually advise customers to look much earlier. Not trade, but start the process of lease turn in, seeking new information on new leases. Turning it in and walking away, buying the car out, or trading the car. Take a look on the Honda website.
Good Luck, go ahead seek all your options. You do have some time, but consider all the above too. You'll do fine! Go about it slowly.
Thanks,
What are the latest lease rates on an 09 TSX auto w/tech 24 mo and 36 mo, 10,000 miles per year?
Thanks
Basam
As far as MSRP, dealer told me that they only use it to calculate the residual, however, the ad price includes the discounted price.
Be sure to ask for a sale price, $0 down, terms of the lease you want. Don't sign anything, until it feels right.
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Now I have a real dilemma...Since I heard the news about TSX's V6 plans, I do not know what to do....I still need t pick up the car within a month, but I wanted to get it in February (to capitalize on a $750.00 cash) and was willing to forego an extra month on my existing lease. Now I am thinking perhaps the dealers will be more aggressive pushing the exiating 4-cyl TSX off the lotts?
The V6 will be an option in just engine, but certainly will not replace the 4cyl. It will just be another trim added to the car. People love the Honda 4cyl, and then a few will buy the V6 model, perhaps not justifying the extra cash on the TL.
They are offering deals on the 4cyl models, deals are to be had, just look around. I don't think anything will change on the 4cyl model deals. If anything the numbers will be more tight on the V6 model. If they don't sell like they want, than they'll adjust it to do better. Also just like if the V6 TSX hurts TL sales, they'll have to bump the sales on the TL. I know they will face all of this.
I'm trying to lease vehicle by this week so please help ASAP.
What can I do or say to negotiate a good deal?
The Stimulus package that is working its way towards approval contains a provision that provides that sales tax for the first $49,500 of an auto sale is tax deductible for most earners (There is a salary cap for singles and marrieds). If I take a new lease and roll the sales tax into the payments, am I eligible for that deduction or must i pay the complete sales tax up front to be eligible? Regrettably deductibility of interest payments was taken out in the last compromise.
Spedprof
Based on the discussion here, I started to email dealers about leasing a new TSX even though my current lease is not up until March 31. I offered either 36 or 39 months. One dealer in responding pointed out that production was about to stop on the 09 TSX and that I best hurry in and make a deal or the colors that I want might not be available. While I discount that as sales talk, it does suggest that I stay away from 39 months and stick to 36 months since the situation at the end of this new lease (July, 2012) will put me at the end of the year when there might actually be a shortage of colors. I know it's a long way off, but I don't think the 36 month lease will be that much more right now.
Thoughts?
Spedprof
Our MDX lease expires in April and we have been sent multiple mailers from Acura asking us to turn it in early, so we just might. We are looking to lease a TSX w/Tech. I have tried wrapping my brain around the posts regarding caps and residuals but no luck (I have 3 kids under 5), I would need a few hours without screaming to do so.
I have, however, requested numerous quotes from dealers with the first one coming in already. Maybe you can tell me how to interpret this (Chicagoland dealership).
"Price of $33,020 includes destination. You may have seen Acura's $299 lease special on the TSX base model, and here is a similar offer on the Technology model:
39 months = $369
$2499 due at signing, plus tax and license"
It seems decent, but I don't know if we're getting hosed somewhere or not. Any thoughts? Plus, how much could tax and license fee be? (Transfer of plates in IL I think is around $75?)
FYI: We are looking at 10K per year mileage. Our MDX is a 36 month lease and we are just shy of 20K on it.
This is from Naperville. We have always used McGrath in Westmont for our Acuras (CL, RDX, MDX), but do not have their quote yet.
And no, we won't be putting three carseats in the thing.
Thanks for any help.
Erika
http://www.ridewithg.com/index.php/the-lease-formula/
It looks like I am getting a 09 TSX with $1,100 cash and $326 a month. I will have to pay for my current lease for the whole 3 months, but since the dealer lowered the downpayment significantly, I decided to pull the trigger. If it goes through, I will be paying less than for 4cyl EXL Accord. Keeping my fingers crossed.
Do all your leasing after you have settled on a cash buy price. The total capitalized cost should be made up of this number and perhaps an acquisition fee. Acquisition fees are in the $500.00 to $600.00 range. At the end you also need to know the early termination fee and the price for which you can purchase the car at the end of the lease. You can call me at work at 610-395-3745 once you have everything and I will be happy to look over the numbers.
Sale Price
Lease terms- 10k a year, $0 down!!
These are they 2 factors for a good lease! You need to start out $0 down, then after you have seen your sale price, have your lease terms, then feel you want a lower payment, then place your money down. $1,000=roughly $20-$30 off your payment.
Also, be sure to look up and down the current posts in this forum, others have gotten great deals with $0 down! With your tech model you want, $0, looks like it might be had in the lower $400's. That is good!! Just take your time, send out the emails via Acura.com asking all of the above. Leave your trade out til the last minute too!! Right now, you just want clean and clear quotes.
Good Luck!
I saw a deal someone had gotten here for a TSX Tech and pretty much want something close to that...$1500 drive off, 39 months/12K and $363 + tax/month. Since we only need 10K a year, ours should be a few bucks lower, I am assuming. Plus he was paying a $299 security deposit in that $1500...since we have owned 3 Acuras in the past and always used Honda Finance, I think they are supposed to waive that fee. We'll see, depends on their mood today, and mine.
Thanks for the help with the basics! Definitely what I needed.
Erika