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Saab 9-3 Lease Questions



  • I would like to find out some info about leasing either a 2007 or 2008 Saab 9-3 Aero. I would like a short lease, either 24 or 27 months, with 10,000 miles a year. (I barely drive) Does anyone know what the residuals would be? I am not sure how much of a price difference the 2008 will be over the 2007.

    I can also get GM Supplier pricing and am not sure how that is factored into a lease. Does the GM Supplier price become CAP?

  • hintzhintz FloridaPosts: 56
    You can't lease an 07 anymore only 08's.
  • kmurkmur Posts: 36
    CarMan -

    Wondering what the money factor/residuals are on a 9-3 2.0T, 27 months, 15k miles per year...

    Also, same question, only 36 month lease.

  • kmurkmur Posts: 36
    One other question.. I was at a dealer on Saturday who claimed the $2500 factory to dealer cash incentive does not apply to leases. Is this true?
  • I saw the "Fly Home" 9-3 lease offer of $312/mo 27 months, 27,000 miles with $2999 due. $19585 purchase price at lease end.That's for an '08 9-3 with manual and nothing else. I want to make a lease offer for a 9-3 with auto, cold weather, and moonroof that lists for $31,485, which is like $2200 more. How do I get a deal closer to the base?

    In other words, what do ask for with respect to money factor and price? I understand it will be more, but I've read that I don't just walk up and ask for the lease at full MSRP, right?

    So what is the money factor on the special offer lease, and can I ask for that rate from my dealer?

    The $500 bonus cash can go toward my down payment, making it $2499 instead of $2999, correct?

    I've never negotiated a lease before. Will I be able to ask for something like $500 over invoice, $2499 at signing including the $500 bonus, and the same money factor/residual. How much more does the lease end price go up, the full $2200?

    Please help, I need to deal this month.

  • Hi jpauto. Unfortunately, the $2,500 dealer cash that Saab is providing on the 2008 9-3 is not compatible with its special lease program. However, in mid-November Saab did introduce $500 bonus cash on this car that is compatible with it.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi Steve. Saab's current base lease rate and residual value for a 39 month lease of a 2008 9-3 with 15,000 miles per year are 4.35% and 56% respectively, just as you were quoted. Let's take a look at the selling price that you were quoted. It appears as though the dealer invoice price for a 2008 Saab 9-3 2.0T Sport Sedan with the Moon Roof and Cold Weather Packages is $28,647. When we subtract the $500 bonus cash that is available on this car right now from this we arrive at $28,147. I would aim for a selling price of right around this or perhaps slightly over. Saab is really not doing that well right now. If you are in an area that has a decent level of competition, you shouldn't have much trouble getting a capitalized cost that's pretty close to dealer invoice. The $350 doc fee is nothing more than a way for this dealer to add additional profit to your deal, but the Saab charges an acquisition fee on every vehicle that it leases.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hello tolleyinpgh. I can tell you that there's no way that I would pay $600 a month for any Saab 9-3. If I was in the market for one, I personally would shoot for a selling price of right around dealer invoice minus the $500 bonus cash that Saab is currently providing on it and then have the dealer that I was working with use Saab's base lease rate of 4.5% to calculate my monthly payment. You can look up this car's dealer invoice price by visiting the New Vehicle Pricing section of That should result in a lower payment than the one that you were initially quoted.

    Prices Paid: Buying & Leasing Experiences Forum
  • Should I ask for the 4.5% and the 56% residual if I want the low mileage lease price? I'm not sure what the lease rate is for the special 27 month 27,000 mile offer they currently have. I used the Edmunds site to determin that the car is $31,485 like they said, and the invoice is 29,840 without the $500 bonus cash.

    I want the 27mo/27,000 lease, but am not sure of the residual and money factor/interest of the "Fly Home " base offer. Or even if they can give me those terms toward a non-base model.

    Sorry for all of the questions, but I can find the numbers, even in their fine print...

  • hintzhintz FloridaPosts: 56
    The residual is 69% on the 27mos. lease program with 12k. per mos, and the money factor thru gmac is 4.35%, but dealers tend to mark it up to 4.85% to make some extra $$. There is some Saab websites out there with lots of info. Email me if you have any questions, I'm a current owner of 2 saabs.
  • Hey spike1282. Saab's current base lease rate and residual value for a 24 month lease of a 2008 Saab 9-3 Aero Sedan with 10,000 miles per year are 4.35% and 73%, respectively. The lease rate for an otherwise identical 27 month lease would be the same, but the residual value would be 1% lower. Saab is no longer offering leases on 2007 models.

    You are correct, if you are eligible for GM's Supplier Purchase Program the selling price that the program provides will become the capitalized cost for your lease.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hello kmur. Saab's current base lease rate and residual value for a 27 month lease of a 2008 9-3 2.0T Sedan with 15,000 miles per year are 4.35% and 68%, respectively. The numbers for an otherwise identical 36 month lease are 4.35% and 57%. As you can see, Saab publishes lease rates instead of money factors for the vehicles that it leases. You can convert its published lease rates into approximate money factor equivalents by dividing them by 2400. When negotiating your lease, make sure to take advantage of the $500 bonus cash that Saab is providing on this model.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hey kmur. What you were told is correct. The $2,500 dealer cash that Saab is currently providing on the 2008 9-3 is not compatible with its special lease program, but Saab is now providing $500 bonus cash on this model that is.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi Dan. Since you have never negotiated a lease before, you definitely should check out the following informative articles that are available here at prior to visiting any dealers: 10 Steps to Leasing a New Car and Calculate Your Own Lease Payment.

    The selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. The best way to get a good deal on the Saab that you are interested in leasing is to negotiate as low a selling price as possible on it. If I was in the market for a 9-3 right now, I personally would shoot for a price of right around dealer invoice and then have the dealer subtract the $500 bonus cash that is available on this model from that. You can look up the dealer invoice price of the car that you are interested in by visiting the New Vehicle Pricing section of

    As far as this car's lease program goes, Saab's current base lease rate and residual value for a 27 month lease of a 2008 Saab 9-3 2.0T with 12,000 miles per year are 4.35% and 69%, respectively. Make sure that the dealer you are working with uses this lease rate to calculate your car's lease payment.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hey squiredogs. Please see my previous post for the information that you're looking for. Thanks and let me know if you have any other questions.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi again Car Man - I sent you an email with this question a minute ago. I don't know which way is better. I'm going today, so I'm doing both -

    I was originally going to lease a '08 9-3 combi, but have decided to buy. I have the GM "Pull Ahead" offer of $1000, as I have a GMAC lease that's ending. There's the "Fly Home" $500 national offer, and I see there's a $2500 factory-dealer incentive.

    Can I get all three, or is there a limit on this?

    I'm going today, please help ASAP.

  • drfnwdrfnw Posts: 1
    My local Saab dealer has offered a great lease cap. cost on a leftover 07 convertible (10K off sticker,$500 more off for purchase due to higher loyalty allowance). What I don't know is the residual picture and the interest rate for top tier borrower. Any insights out there before I go talk to the dealer? Thanks.
  • Hi,

    I was hoping I could ask you some questions about a deal that I’m about to make on a new 2008 Saab 9-3 2.0T sedan. Thanks in advance for your help!

    Here are the details:

    -39 month lease
    -10,000 miles per year
    -Jet Black Metallic Paint
    -Automatic Transmission
    -Premium Package
    -Cold Weather Package

    Dealer quoted MSRP: 33,730 (verified on Residual value of $20,238 (60% of 33,730)

    Negotiated Price: $31,674 (includes $500 customer-cash rebate)

    Question #1: The Dealer is telling me that he’s giving me this car for $400 less than invoice. I don’t believe this is true, since the Invoice on is $31,839 w/o the $500 customer-cash rebate, $31,339 with it. Which of these is the true Invoice Price? On the one hand, I don’t believe I’m necessarily getting hosed, but on the other hand, I don’t think I’m getting this great deal either—II believe I’m getting the car for about what it’s worth.

    Question #2: When I look at the invoice that the Dealer faxed me, it appears that he’s giving me the invoice price for each option. However, the price of $31,674 also includes a $745 Destination Charge (verified on, $329.85 Dealer Contribution, and $329.85 Group Contribution. Are these latter two charges excessive? Should I ask to have them removed, hence lowering my Cap Cost?

    Question #3: I’m putting $2912 down. This includes the first monthly payment of $388 + 695 Bank Fee,+ $400 Security Deposit + $12.50 NY State tire recycling fee + $1311 NY State Sales Tax (at a rate of 8.375%) + $45 “Dealer’s Optional Fee For Processing Application For Registration And/Or Certificate of Title, And For Securing Special Or Distinctive Plates if Applicable” + $10 NY State Inspection + $50 Fuel. The Dealer indicated that the $400 Security Deposit is refunded at the conclusion of the lease and couldn’t be waived because I’m a new Saab Customer, and that the $695 Bank Fee could not be waived. Do any of these other charges seem excessive or qualify as unnecessary dealer’s fees?

    Question #4: I left a $500 deposit, so I’ll be giving the Dealer the $2412 balance on Saturday. He informed me that I needed to give him a Bank or Certified Check. Is this typical?

    Question #5: The Dealer indicated that I would have to also pay $140 for new license plates for 2 years. Doesn’t this seem a bit high?

    Question #6: I noticed on that there is $2500 Manufacturer Cash to Dealer Marketing Support. It says that Dealer Participation may vary. I asked the Dealer if there were additional incentives beyond the $500 Customer-Cash, such as marketing support, and he said that there weren’t. Again, is there something he’s not telling me? Should I push back on this?

    Question #7: Overall, what do you think of this deal?

    Thanks so much!!!
  • saablcpsaablcp Posts: 195
    1) is accurate only up to a point regarding invoices(see answer 2)
    2)the dealer ad group charges are a part of the price of the car ...the dealer does not recoup them."Removing them" is no different than him lowering his selling price by $659.00.
    3)The dealer charging you $50.00 for putting fuel in the car is total B.S.! A full tank of fuel at delivery is a Saab dedicated delivery procedure requirement and the dealer is reimbursed @ a market value per /gallon amount.The bank fee is accurate and is charged by G.M.A.C.,and is not waiveable by the dealer.Bank Fees are charged by ALL Saabs competitors.At $695.00 the fee is one of the lowest(check BMW'S and M-B'S lease ads for example).
    The rest of the charges are set or capped by N.Y. State and out of the dealers control.
    4)How funds are collected is just a matter of policy.Your questions regarding validity of most charges and the legitmacy of the invoice may have him concerned about accepting a personal check for the balance.
    5)Another charge set by your state.
    6)The $2,500 is for a cash transaction or a conventional finance package in lieu of a promotional interest rate.It's
    one from column A,or B,or C.No "combo platters" allowed.
    7)Do you only go to see movies after you read the reviews?
  • You forgot to post the most important part. What is the payment?
  • Thanks for your help. This is my first time buying/leasing a new vehicle, so if I seemed a little inseure, that's why. I feel pretty good about the deal that I'm getting, but thought it wouldn't hurt to get someone else's take. Thanks again.
  • What dealership was this at for the 07 convertable? Was it their last 07 or did they have others? I'd be really interested in talking to them if they had more than 1! Thanks!
  • Sounds like a decent deal on the lease end, but the fees need to be negotiated out. He is giving you Saab's rate of 4.35%, which is good because sometimes it is marked up. So the lease part looks like this with no money towards cap reduction:
    MSRP: 33730
    Sales Price: 31764
    Residual : 60%
    Money Factor: .0018125
    Effective APR: 4.35%
    Term: 39
    Residual: 20238
    Depreciation: 11526
    Monthly Depreciation: 295.54
    Monthly Finance Fee: 94.25
    Total Monthly Payment: 389.79

    Now here is what you need to do to improve this deal
    1) Saab's lease acquisition fee is $595. They are marking it up $100 on you. Tell them you know it's $595, and that is what you expect to pay.
    2) The security deposit is BS. I believe this buys the interest rate down, but the rate is 4.35 without the deposit, so they are making more money because of this. I would negotiate this out.
    3) Like the other poster stated, the gas fee is BS. The $45 dollar dealer fee also sounds like BS. It's called added dealer profit, and I would negotiate it out.

    So you should be able to negotiate a down payment of $2316 = $388 + 595 Bank Fee,+$12.50 NY State tire recycling fee + $1311 NY State Sales Tax (at a rate of 8.375%) + $10 NY State Inspection

    They probably will balk at this, but if you threaten to walk, or tell them you got a better deal elsewhere, they will likely come around.

    Good luck. I just leased one myself. It was a painwith all the games they tried to play. I had to walk out of the finance office twice when signing the papers because they tried to sneak extra fee's in there. So keep on your toes.

    p.s. That sucks that NY makes you pay the tax up front. One of the big advantages of leasing for me is you only pay tax on the monthly payment, so your only paying on the depreciation, not the full value of the car.
  • saablcpsaablcp Posts: 195
    N.Y.,N.J. and I believe CT. charge the $695.00 bank fee.The additional $100.00 is a result of State mandated
    charges.It's only within the last two years or so that you are again able to lease a car in those states.Liability issues being worked out in the judicial system completely eliminated closed end leasing in those states for a couple of years,you could only do a Balloon note.So forget the idea that it's a dealer mark-up and a negotiable item.
    The rate is currently based at 4.35% and you have to have Saab lease loyalty or owner loyalty eligibility for an automatic waiver of security deposit otherwise the rate DOES have to be marked up .50%.
    You honestly think this guy should make an issue over a $45.00 fee paperwork processing fee?How long did it take you to work out the paperwork and fees on your home mortgage!!??...Good Grief!
  • 45 dollars is nothing for a doc fee. Drive over to CT sometime and it is unlikely you will find a doc fee of less then 300 dollars for premium brands and in some cases the doc fee is over 500 dollars.

    Also in NY I don't think they charge sales tax on the doc fee so that helps too.
  • Thanks to all who provided such great information in December. I am looking to lease a 9-3 2.0T with the Premium Pkg + Moonroof, AT, etc.

    Dealer quoted $423 per month for 27 months at 12,000 per year. based on earlier discussion of Residual Value for 27 months at 69% and MF at 4.35%, this lease amount seems high.

    Does anyone have recent experience to share. Thanks
  • Hi Dgebler - I am just starting the process of leasing another Saab 9-3 and this what a deal gave me over email without any negoiations:

    This is for a metallic paint 93 sedan 2.0T with sunroof and cold weather package and manual transmission.

    MSRP 30 685

    With $ 3000 down
    $ 0 security deposit
    $ 500 lease loyalty rebate
    27 month lease 12 000 miles per year
    Payment $ 374 per month
    Includes Maine state tax
    Includes $ 24 title fee
    Includes $ 595 bank acquisition fee
    Includes $ 278 documentation fee
  • What do you think of this deal?

    Metallic paint, 2008 93 sedan 2.0T cold weather package, Moonroof and navigation.

    MSRP $ 33 270
    Sale price $ 31 921
    With $ 3000 down
    $ 0 security deposit
    $ 500 lease loyalty rebate
    36 month lease 12 000 miles per year
    Payment $ 407.96 per month
    The money due at signing includes your 1st months payment
    Includes costs for swapping the vehicle in for a max of $ 250 miles
    Includes Maine state tax
    Includes $ 24 title fee
    Includes $ 595 bank acquisition fee
    Includes $ 278 documentation fee
    Residual 58 %
    Interest rate 5.35%
    Residual $ 19,296.60
  • A local dealer quoted me $423 per month for 27 months at 12K per year with $0 cap reduction and a drive away payment of $423.

    This is for a 2.0T AT with premium, moonroof and winter packages but w/o navi
This discussion has been closed.