Honda Pilot Lease Questions

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  • massjakemassjake Member Posts: 10
    I just got an offer from a Massachusetts dealer for an 08 Pilot with the VP 4x4 package with the following figures. Do they jive???

    3yr. 36,000 miles $0. down
    Sale price: $25,396
    Money factor: .00117
    Residual value: 65%
    Title, registration, aquisition, doc, total $750. (negotiable).

    $337. per month tax included.
    Do these numbers make sense?
    Thanks.
  • whizdogwhizdog Member Posts: 1
    Here is the deal that Honda is advertising

    http://automobiles.honda.com/current-offers.aspx?ModelName=Pilot

    2008 Pilot 4WD Featured Special Lease
    $279.00 per month for 36 months. $1,999.00 total due at signing.
    Includes down payment with no security deposit . Excludes taxes, titles and fees. For well-qualified buyers.

    FEATURED SPECIAL LEASE: Closed-end lease for 2008 Pilot 4WD VP Automatic Transmission (Model YF1828EW) for $279.00 per month for 36 months with a $1,125.00 capitalized cost reduction available to customers who qualify for the AHFC Super Preferred credit tier. Other rates/tiers are available under this offer. $1,999.00 total due at lease signing (includes first month's payment, AHFC upfront acquisition fee and capitalized cost reduction; with no security deposit. Total net capitalized cost and base monthly payment does not include tax, license, title, registration, documentation fees, options, insurance and the like). Not all buyers may qualify.

    Subject to limited availability. 12/01/2007 through 01/02/2008, to approved lessees by American Honda Finance Corp. Closed end lease for 2008 Pilot 4WD VP Automatic Transmission vehicles (Model YF1828EW), for well qualified lessees. Not all lessees will qualify. Higher lease rates apply for lessees with lower credit ratings. MSRP $30,430.00 (includes destination) less the capitalized cost reduction resulting in actual net capitalized cost $25,021.52. Dealer contribution may vary and could affect actual lease payment. Taxes, license, title fees, options and insurance extra. Total monthly payments $10,044.00. Option to purchase at lease end $16,736.50. Lessee responsible for maintenance, excessive wear/tear and 15 cents/mi. over 12,000 miles/year for vehicles with MSRP less than $30,000, but for vehicles with MSRP of $30,000 or more, mileage cost is 20 cents/mi. over 12,000 miles/year. See dealer for complete details.
  • shorebreakshorebreak Member Posts: 4
    Hi nivpoly
    I'm in jersey and am in the market for a pilot lease and was quoted $473.15.for a AWD EX-L, no NAV or RES. 36 months 15K/year. Price of vehicle is $30,918.00 with $1035.00 out of pocket covering 1st month payment, tax, title etc. Money factor used is .00117. Could you tell me where you got your lease offer from?
  • polypoly Member Posts: 14
    the $1,000 + 35 payments of $442 I got was from www.davidmichaelhonda.com/
    in Freehold NJ. They have 2 in stock White and Blue. '08 AWD EXL w/ RES w/ 15K miles/year

    I have another offer for $1,000 out of pocket + 35 payment of $472 for the same deal 08 AWD, EXL, RES 15K/year from
    DCH Kay Honda
    200 Route 36
    Eatontown, NJ 07724
    (800)791-6241

    I was at david michael honda on friday but they did not have the silver w/ gray int... so i'm still waiting on the to locate one...

    BTW both are willing to pay off the last 2 payments I have on the old '05 pilot = $664.15!!!
  • polypoly Member Posts: 14
    I just got off the phone w/ David Michael Honda and apparently the price they gave me is not included tax... so it's actually 442+ 7%tax = 473
    Sorry, but it seems like although I asked for a quote that include the tax they neglected to add it...
  • shorebreakshorebreak Member Posts: 4
    Thank you for your posts, I got my lease quote from Coast honda. The other dealerships that you have checked out are in my area as well so the info that you posted is most helpful. Based on your offers I guess I should push for either the NAV system or the RES to be included at that price. Did you test drive anything other makes ?
    Thanks again
  • polypoly Member Posts: 14
    I actually leased ’05 Pilot before this one. It is a great car; I had no issues whatsoever in 3 years (45K miles) not even a light bulb…
    I test drove the Mazda CX9 and the Acadia both are great but cost more to lease…

    I took the car last night from DCH Kay Honda, very pleasant experience no deviation from what we agreed upon. Only for the better. Instead of them paying my 2 payment on the old car. The ask me to put down 340 instead of the 1,000 we agreed on and then 35 more payments of 472 (all taxes included) no hidden fees no extras I didn’t even pay for the plates…
    :):)
  • kencivickencivic Member Posts: 3
    Can you share more details:

    EXL with Navi? or EX
    msrp
    cap cost
    residual
    money factor
    15000 or12000 miles tear

    Thanks
    Ken
  • mslebermsleber Member Posts: 1
    I just test drove a EX-L today no Nav and got a price of $450/mo., 15K miles/yr. with only first month payment due when I take the car. The wife has to do the test drive, but it is a pretty good deal. I would have to take one off of the lot as part of the deal.

    Deal at DCH Honda.
  • shorebreakshorebreak Member Posts: 4
    ken,
    That is a good deal, $23/mo less then what I was quoted. Did they have any EX-L with Nav. if so did you get a quote with that option?
    Bob
  • polypoly Member Posts: 14
    Ken,

    The car I got is '08 AWD EXL with RES with 15K/year, 36 month.
    340 out of pocket + 35 payments of 472

    MSRP was ~35,800
    I don't have the papers in fort of me but I negotiated the price directly with 5 dealerships over the phone internet Dept. the price I got were better then I calculated based on the formula I had (sale price, residual, money factor etc…) I guess they got a special deal directly from Honda.
    :)
  • rallen5rallen5 Member Posts: 1
    HI, can someone tell me if this is a good deal? I was recently offered the following deal on a 2008 Pilot EX-L no NAV lease 12K/yr 36 mo. This dealership is in WI.
    MSRP $34080.00
    Residual at .54 = $18403.20
    Initial Cap Cost: $29,950.00
    Capped Fees $693.00
    pay off my trade adds $1045.66 (previous 05 lease)
    Adjusted Cap Cost $31688.66
    Money factor 0.00117
    base mo. pymt: $427.64 plus tax of $23.52 = $451.16
    1st pymt plus tag fees due at signing = $515.66

    After viewing posted messages I am wondering if I should try to negotiate for a higher resididual - possibly .60 or more. I would appreciate any input / advise
  • arewhyinoharewhyinoh Member Posts: 13
    Car Man,
    Was wondering if you could post the residuals and money factors for the Pilot. If you could on one page, I would not mind seeing the accords #s as well. Thanks!
  • pbs0626pbs0626 Member Posts: 18
    Hi Car_Man,
    Haven't seen you post numbers on this vehicle in a while. Could you please provide the MF and Res for a 36 mo lease with 36K miles. Looking to buy within the next 2 weeks.
    Thank you soooo much!!!
    Paige
  • pbs0626pbs0626 Member Posts: 18
    Opps - I guess I should have directed this to Steve or tidster - please provide if you have the info.
    Thanks!
    Paige
  • pbs0626pbs0626 Member Posts: 18
    After sending several emails to about 6 dealers in NC, the best offer I've got on the VP 2WD is:

    36 mo/36 K miles
    Total OTD fees $399
    No money down
    $323/mo. (including tax) NC tax 3% ($9.42 mo.)
    Money Factor .00071
    Residual 52%
    MSRP $28,230
    Selling Price $24,300

    What do you think???? I shot out another email saying this is the best offer and I already got a couple back saying they would beat it, so I'm sure I'll get lower.

    I would love to get the upgraded model (sunroof, homelink, etc), I am coming out of a Lexus 330 but trying to get more practical. I'm wondering how the MF's and Res will compare. If I could stay under $370 with the EX or SE, I'd do it but I don't think the lease factors are as good. Any thoughts?
  • robby1234robby1234 Member Posts: 5
    I have been pricing pilots for the last month or so. We finally got a 15k/36 month lease on an Pilot EX-L for $425.00 Month including taxes, sign and drive. No out of pocket costs and no dispostion fees.

    What I was suprised about is the experience with local dealers. We went to Rick Case Honda of Weston and they quoted 1800 down and 475 month for an EX. I said no way that they were incredibely high. The EX- L was even more expensive. They said look around.

    After several quotes back and forth with the local dealers. Coral Springs Honda - came back with the best price. When we got there the experience was great. They said pick out the EX-L you like - they had plenty to choose from and then wrote up the contract. 35 payments at 425. They even paid the first month - which I was very suprised. Threw in a couple of Oil Changes to boot.

    Anyone in South Florida I would recommend Coral Springs Honda. Also beware of Rick Case! During the process I called back to see if they could beat the prices other dealers were quoting. All they said was the other dealers can't do it that low - but will match the price. I said if you can match the price - why wouldn't the other dealers be able to give me the price. I asked if they would beat the price the others were offering. Anyway I was very surprised with Rick Case - they are supposed to be one of the biggest and best prices around. All they did was try and high ball me!

    Oh well just shows you to definitely shop around!
  • riverdog474riverdog474 Member Posts: 4
    Hello Roby1234
    Please provide details? You stated your price included tax which seems to be an excellent deal. Who did you talk too because i am interested similar deal.
    THanks.
  • mmarderommardero Member Posts: 1
    I received this quote yesterday for a Honda Pilot EX-L 36-month Lease.

    Purchase Price: $29,817 down from $34,189
    Residual Value: $17,721
    Money Factor: .00117 or 2.808%

    Money Down: $3,000 takes care of first month payment tax title etc...

    Total Monthly Payment : $355.24

    Is this pretty fair or can I squeeze a little more out of them? Please let respond soon with advice, I would greatly appreciate it.

    This is my first lease.
  • piloti_stipiloti_sti Member Posts: 62
    Not bad price but I would strongly advise not putting that much if anything down if you can afford the payment.
  • pedro_1177pedro_1177 Member Posts: 1
    Carman,

    First of all this forum is awsome.

    I have a deal right now for an '08 Honda Pilot VP AWD. Got this through Planet Honda on Route 22 in NJ.

    Deal is $350 a month for 39 months. $350 per month includes all tax title and fees.

    1st months payment at signing. Nothing else to pay.

    Should I go for it?

    Thanks
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi civhybrid07. Through January 2nd, Honda Finance's buy rate lease money factor and residual value for a 24 month lease of a 2008 Honda Pilot EX 4WD without navigation or the entertainment system with 15,000 miles per year are .00117 and 59%, respectively for consumers who qualify for its "Super Preferred" credit tier and pay a security deposit at lease signing.

    Car_man
    Host
    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey jpauto. Here's the information that you're looking for. Through January 2nd, Honda Finance's buy rate lease money factor and residual value for a 36 month lease of a 2008 Honda Pilot EX-L 4WD without navigation or the entertainment system with 12,000 miles per year are .00117 and 54%, respectively for consumers who qualify for its "Super Preferred" credit tier and pay a security deposit at lease signing.

    Car_man
    Host
    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Here you go, pbs0626. Through January 2nd, Honda Finance's buy rate lease money factor and residual value for a 36 month lease of a 2008 Honda Pilot VP 2WD with 12,000 miles per year are .00071 and 52%, respectively for consumers who qualify for its "Super Preferred" credit tier and pay a security deposit at lease signing.

    Car_man
    Host
    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Welcome mmardero. Since you are new to the world of leasing, you definitely should check out the following informative articles that are available here at Edmunds.com prior to visiting any dealers: 10 Steps to Leasing a New Car and Calculate Your Own Lease Payment.

    In short, the best way to get a good deal on a lease is to negotiate as low a selling price as possible on the vehicle that you are interested in and then have the dealer that you are working with calculate its monthly payment using its buy rate lease money factor. If I was in the market for a 2008 Honda Pilot right now, I would shoot for a selling price of a couple hundred dollars over dealer invoice. You can look up the exact invoice price of the Pilot that you want by visiting the New Vehicle Pricing section of Edmunds.com. The money factor that you were quoted is right in line with Honda Finance's current buy rate for this model.

    Car_man
    Host
    Prices Paid: Buying & Leasing Experiences Forum
  • ayalakayayalakay Member Posts: 23
    Hi gang, it's been a while for me but this forum was really helpful when I leased my current '05 Pilot EX AWD and now I am looking at the next one - VP AWD. I know the current lease incentive expires today, and I have one 'in the bag' but it's not my 1st color choice. Any hints on upcoming programs that might be released in January?

    Thanks a million.
    -Kay
  • pbs0626pbs0626 Member Posts: 18
    Just wanted to say how great this forum is!! I have been watching and posting for a while now but on the very last day of 2007, I bought my new pilot.

    I emailed several dealers in NC and went back and forth for a little while negotiating the sales price. I ended up with $23,550 plus TTL!!

    I ended up leasing for 36 months/36 K miles at $318 total payment (tax included) and just 1st month payment out the door!

    I think I did pretty good and I love the car! Thanks everyone!
  • nc_driver1nc_driver1 Member Posts: 56
    That's a very nice deal.
    I am in NC/Charlotte and currently looking into getting similar lease terms for the same model.
    Could you please post all the details of your lease?
    Was your negotiation based off their lease offer or independent of it?

    Thanks so much.
  • amazingtomamazingtom Member Posts: 3
    I am in a jam and need the help of experienced hagglers/ deal makers here.

    I wanted to get in on the year-end lease special on the 2008 Pilot VP that ended Jan. 2, and I made a deal on the 2nd for the VP 4WD @ $279/mo for $36 mo., $1999 down including fees and first mo. I signed for the deal and wrote out the down payment check on Jan. 2, but did not receive the vehicle yet, because they have to get my color from another location.

    Well today I just found out that a BETTER promotion is currently running, effective Jan. 3 - Mar. 3. It is $20/mo. less @ $259/mo. for a VP 4WD.

    I am going to try and ask for the current rate, given that I was a mere one day away and haven't even received the vehicle yet. Can anyone give me advice of what to expect, and how to go about getting the dealership to adjust the rate for me? Any tips about what to expect, how to be prepared, ammo to use, etc. would be great.

    Thanks!
    Tom
  • closer43closer43 Member Posts: 11
    Car Man,

    I leased my Lexus ES 350 using this web site and made a great deal back in May with your input. I'm helping find a lease for my daughter. Can you please share with me the Honda Finance's buy rate lease money factor and residual value for a 36 month lease of a 2008 Honda Pilot EX-L 4DR SUV AWD w/NAVIGATION with 15,000 miles per year. She should qualify for their "Super Preferred" credit tier. Are there any incentives I can use in conjunction with the lease? Thanks in advance.
  • nc_driver1nc_driver1 Member Posts: 56
    Car Man:
    The information you provide on this forum is invaluable for average buyers like us!
    Please kindly post Honda's buy rate lease money factor and residual value for a 36 month lease of a 2008 Honda Pilot EX 2WD without navigation or the entertainment system with 12,000 and 15,000 miles per year for Tier 1 consumers.
    Also, does the Pilot EX-L w/o Nav and Ent syst have a better Money Factor and Residual Value for a 36 mo 12K and 15K miles/year respectively?

    Thanks a lot.
  • ayalakayayalakay Member Posts: 23
    Tom - boy am I disappointed by your email... I just leased a VP on the same terms as you did on Wednesday 1/2! Though I managed to get them to take $5 off the monthly payment so total monthly is $294 incl 7% tax, they couldn't find my color either and I felt like I had to get one of the two cars they had in stock in order to get the incentive. >>

    Seems as though they are unloading these in anticipation of the '09 model coming out soon. I still love my truck, but I hate being had! :mad:

    Good luck, I will be interested to hear how this turns out for you.
  • hondapilot2hondapilot2 Member Posts: 3
    I am looking at a Honda Pilot EX-L w/Navigation 36 month lease. 15k miles/year.
    5k down (this includes the tax, 1st month, fees etc.
    $290 a month
    Let me know if this is a good deal or any advice would be helpful. in Massachusetts.
    Thank you,
    Bill
  • hondapilot2hondapilot2 Member Posts: 3
    I leased a 2008 Honda Pilot EX-L with Navigation 36 Months 5k down (includes taxes and all fees) $290/month.

    Curious about how good a deal this is. If anyone can let me know it would be appreciated to a first time Lease.

    Regards,
    Michael
  • rothsranrothsran Member Posts: 8
    Any idea on the lease numbers (residuals and MFs) for the Pilots this month? Assuming, 12k miles and 36 months. Also, do they treat the models differently?

    Thanks
  • dwynnedwynne Member Posts: 4,018
    Seems as though they are unloading these in anticipation of the '09 model coming out soon. I still love my truck, but I hate being had!

    Pilots are nice SUVs, but Honda just can't sell them without big dealer incentives, discount loans, or discount leases - sometimes all three at the same time. It has been that way for quite a while and I would expect it to continue. Could be folks don't look to Honda when larger SUV shopping, could be the lousy gas mileage, could be the suggested MSRP and normal invoice are just too high - but I would expect the trend to continue.

    To be fair to the dealer, they don't know what the new numbers will be until the old ones run out. They normally don't get the rates until after the current deals have expired. Honda looks at the prior month's sales and day's supply of each model and decides if better deals are needed, no deals are needed, or they just keep on with the current specials. So odds are good that when you signed the papers they did not know what the new rates would be - same as you. I lease an Accord for my wife in 05 and got a super deal, but the next month was a little better and the next month was better still. Sure we could have saved some money waiting, but we also COULD have spent more - you just don't know.

    Even with the cheap deals that ran out 1/2/07 Pilot sales were down over 30% for Dec 07 VS Dec 06 and total Pilot 07 was down over 23% compared to 06. So given those sad numbers, they decided to keep on with sweet or sweeter deals.

    Dennis
  • hondapilot2hondapilot2 Member Posts: 3
    I just leased a Honda Pilot EX-L with Nav for 36 months 15k miles a year... 5k down (which includes all fees taxes.. first month... etc) and talked them down from $320 to $290 a month... I'm pretty happy with that.
    Good luck. Remember just take your time and go to a few dealers to get a good sense.. and buy at the end of the month. :)
  • nc_driver1nc_driver1 Member Posts: 56
    Hey,
    The best I got, with no money down, is:
    MF: 0.00014 which is almost free money (0.34% interest) for Superpreferred Tier
    RV: 51% for 36K miles/49% for 45K miles on EX
    Doc Fee: $399
    Title and Tax

    Anyone got better rates?
  • amazingtomamazingtom Member Posts: 3
    NC Driver: That seems like a killer deal, depending on the how much below MSRP the price of the vehicle is.
  • love2driveinctlove2driveinct Member Posts: 80
    We saw some amazing numbers on the website of our local dealer -- $361.66/month for 36m/36K lease on an EX-L (w/o nav or res). I have the msrp and their selling price, and I see from above posts that the MF is .00014, but I don't have the residual value % -- anyone have this?

    Thanks!
  • love2driveinctlove2driveinct Member Posts: 80
    I'm sure this question has been asked before... can you turn in your vehicle and end your lease early? I understand that all remaining payments would be due at that time, but my thinking is that it would save me a little money by not having to insure that vehicle or pay personal property taxes for that last couple of months. I am correct?

    Obviously we are looking to take advantage of the current offers that expire in early March (according to previous posts), while our lease does not end until early June. Having double payments for a few months wouldn't be the end of the world if the deal was great, but it would be nice to save money on insurance & pp taxes if possible, not to mention the valuable garage/driveway space.

    If anyone has looked into this, or has done this, please let me know how it went! Thanks.
  • dwynnedwynne Member Posts: 4,018
    Congrats on the new Pilot.

    The way to do a lease deal:

    1) Find out the invoice of the vehicle you want
    2) Find out any dealer incentives on it
    3) Find out the lease money factor buy rate and residual percentage
    4) Figure out how to calculate a lease payment or find an online lease calc that works
    5) Learn how much the taxes and fees are where you live.
    6) Negotiate the selling price of the vehicle with several dealers - knowing the invoice and incentives. Include the vehicle, destination fee, and any dealer fees in the prices.
    7) Plug the best price into your lease calc and get you payment. Play "what if" with the numbers - rolling the bank fee and security deposit into the lease, etc. Factor in the taxes and other needed fees (tags, title, etc).
    8) Decide on which offer to accept, pick out the vehicle and lease it for the payment you figure.

    Just "talking them down to $290 per month" may leave tons of money on the table. To get the best deal you have to KNOW how much you are paying, how much the dealer is making, and how much your lease MF is. Then you can get the best possible deal. You deal just like you were paying cash - you never play payments with the dealer.

    Also, never sink so much into a lease vehicle. If your vehicle is stolen or totalled your insurance will pay off the lease bank and you will get nothing - your $5k is gone. In addition, when the lease MF is really low (as some of the current Honda rates are) you should roll everything into the lease and pay little or nothing at signing. Where else can you borrow at rates this low? Nowhere else. If you can't afford the resulting payment then you should not do the lease, but if you must, then put the $5k in the bank and draw upon it as needed to help make the payments.

    Dennis
  • dwynnedwynne Member Posts: 4,018
    What are you driving now? Get the current buyout price (not including taxes) from your lease bank - this info may be available online as it is with AHF leases. Check the trade in value of the vehicle at KBB, Edmunds, NADA, etc. Is the average trade in value a good bit over the buyout (not including taxes) ? If so, then you could just trade your current lease in toward the new car.

    Say your buyout is $11,500 and you get a dealer to give you $12,000 trade - then you just knocked off $500 on the new vehicle. If the dealer will only give you $11,000 then you have to decide if want to keep paying the payments and keep it, or turn it in and pay the sum or payments left, or just pay out the $500 and go ahead and trade it. You can also try to sell your car to any other car dealer - like CarMax, Driver's Way, etc. Anything you get over buyout is yours.

    In certain states you can sell your car to someone who is not a dealer and not have to pay sales tax on it. CA, for example, has a 10 day (??) period where you can buy the car off lease and sell it to someone else and YOU don't pay taxes - only the new owner does. In most states, you would have to pay taxes AND you buyer would as well - and that usually means too high a price and no sale.

    Honda can't sell Pilots and has special leases on them all the time. With the re-design coming I would think the deals in June may be just as good or better than they are now.

    Dennis
  • nc_driver1nc_driver1 Member Posts: 56
    Sales price is $25,600 for an EX 2WD.
  • love2driveinctlove2driveinct Member Posts: 80
    Thanks Dennis for all the information, it is much appreciated...

    I live in Connecticut, where unfortunately you do not get that 10-day period or anything similar. We looked into it with our 04 Odyssey -- it looked like we could make a little money at the end of the lease if we bought and then sold, but when you threw in our $1200 in sales taxes, it wasn't worth the trouble.

    I didn't realize there was a special buyout figure for mid-lease, I'll have to call AHFC and ask about that.

    Of course, there is definitely that possibility of better deals in June, like you said. What do you think about that in terms of being particular with color? In other words, if we want only one particular color in one trim line and will accept nothing else, is it worse to wait until June when there are less available (presumably)? Or I guess you could look at it differently, that in June they will REALLY want to get rid of those 08's and will do what they have to to get us the color we want?

    Last time, when we acquired our 05 Pilot for lease and wanted a particular color, the dealer was very accomodating. They brought one in from several states away. Actually, we changed our mind on something, so they actually brought in two, lol... So I'm sure the dealer will be helpful with us again, with it being our 3rd vehicle from them. They also have set pricing (albeit competitive), which can be frustrating, but makes the whole process much more pleasurable.

    One of the things that we really love about leasing is that when the lease is over, we are DONE with the car. No more paying a detailer, writing ads, paying for advertising, showing the car, meeting strangers in parking lots, etc, etc. So I don't think we'd get into the whole buy/sell thing with this vehicle unless there was A LOT of money to be made (pretty sure there isn't, lol).
  • love2driveinctlove2driveinct Member Posts: 80
    Oh, I didn't answer your first question... we have an 05 Pilot EX-L w/RES, under a 36m/36K lease due to expire early June. The lease was a great deal ($414/m) at the time, and we are certainly surprised to see even BETTER deals this time around...

    My hubby would really like a Toyota FJ Cruiser, but it doesn't look like they are having any trouble selling those right now. So he is back to looking at another Pilot. We laugh because it is usually just him in the vehicle, occasionally with one of our children, so it seems like a waste of space. But he is tall, and he finds it quite comfortable to drive.

    I drive an 06 MDX, so it's almost as if we already have two Pilots, lol...
  • dwynnedwynne Member Posts: 4,018
    If you have not done so, you can sign up for the "OwnerLink" via the Honda web page. You can also tie in your AHF lease and/or loans to that single login. On the finance part you can see last payment, maturity date, and even a payoff amount for your loan or lease.

    Check your Pilot's value online and see what it shows. I did a quick check and it looks like $20,450 if in excellent shape with 30k on the clock. You need to do a better check of values several places and see how that stacks up.

    My wife wanted a Pilot back in 05 but the low MPGs made us lease an Accord. She loves her Accord and gets 23-24 around town and 29-30 on trips, but the lease is up so I am back looking at Pilots again. Still the same crummy EPA mileage but again cheap lease deals on them. We may end up buying the Accord at lease end (the buyout is $11,500 or so) but I am exploring the other options before we decide. Gas is still high and probably is not going down any time soon, we will soon be empty-nesters so REALLY don't need an SUV, so keeping the Accord or maybe leasing a Civic makes more sense. Our daughter gets close to 30mpg around town and near 40mpg on trips in her 06 Civic.

    Dennis
  • love2driveinctlove2driveinct Member Posts: 80
    Thanks Dennis... I did some checking and it looks like I did sign up for Owner Link awhile ago, and I see the payoff amount on there. But I don't understand why I would need that amount if I do not want to buy the vehicle. I just want to pay my last 5 payments all at once and turn in the vehicle early, thus removing it from my auto insurance & my town's vehicle list for tax purposes.

    Cari
  • dwynnedwynne Member Posts: 4,018
    Let us say your residual is $20,000 and the current buy out (not counting tax) is $21,000, and your payment is $414 per month. You payment is made up on unpaid principle, interest and probably sales tax (this varies depending on the state you live in). If you get a dealer to buy the Pilot from you (either outright or as a trade) then you do not owe for the interest and tax portions, which is why the buy out price is less than the residual + remaining payments.

    To do it your way, you would pay $414 x 5 = $2,070 and give them back the car. What you save is no insurance or tags or property tax (if applicable).

    If you get a dealer to give you the $21,000 current buy out for the car then you get out of the lease and do not pay the $2,070. If the dealer offers you $20,000 for the trade, then you could pay the $1,000 to make up the current buy out price but would save $1,070 you would have to pay the other way. You also save in that you no longer pay for this Pilot, no longer insure it, and no longer pay property on it (if applicable).

    Now, if all you can get for your Pilot from any dealer as trade or purchase is $18,500 and the current buy out is $21,000 then rather than pay the $2,500 difference you would do it your way.

    What you have to do is look at current buy out price (without tax) and the current trade value of your Pilot. The closer you can trade in from a dealer to the buy out price is just money you save. Get over buy out price and you are not only saving the $2,070 you are making a profit you can apply to your new Pilot.

    Does that make sense?

    I have done this many times before - I have done lots of leases and only turn in ONE of them. The others I always traded or sold before the lease was up. Sometime I made a nice chunk of money, some times a little profit, some times I just got out of the old lease even. Never had to roll any of the old negative into the new lease either.

    You are thinking you can only turn it in now, turn it in and the end of the lease, or buy it at the end of these. The fourth option is to get a dealer to buy it now to save you money, if you can.

    Dennis
  • kyfdxkyfdx Moderator Posts: 268,209
    You have to be careful about turning a vehicle in early.

    You would think that if you made all of your payments, they would be glad to have it back early, as the car should be worth more than at the end of the lease in five months.. But, that isn't always the case.

    Some banks will treat early returns differently, even if all the payments are made. Technically, if you don't keep the vehicle until the end of term, you are turning it in early, and they may send the vehicle to auction, and bill you for any differences between the residual value and auction proceeds (if less than the residual).

    Now, that seems patently unfair, but it happens..

    As Dennis noted, you are usually better off trading your car into the dealer. Often, you'll owe less than if you just made the final payments.. If not, it might be cheaper to park the car in your driveway until the lease is up.

    regards,
    kyfdx

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