Howdy, Stranger!

It looks like you're new here. If you want to get involved, click one of these buttons!

Did you get a great deal? Let us know in the Values & Prices Paid section!
Check out the latest from the Edmunds Editorial Team
Have you recently used your tax refund (or are you planning on using your tax refund) toward the payment of a new or used vehicle? If so, a reporter would like to talk to you. Please reach out to [email protected] by Tuesday, March 19 and the Edmunds PR team may connect you with the journalist.

2013 and earlier-Subaru Forester Lease Questions



  • ateixeiraateixeira Posts: 72,587

    Yeah, you gotta wonder how long they can offer a 61% residual for 36 months, that's nuts.
  • gtmadagtmada Posts: 2
    Thanks Car_man! One more question if I could, how about the money factor and residual for an 08 Outback i Limited (3 years, 12K)?

    Thanks again
  • We are looking at leasing a Subaru Forester.

    Is there a standard residual value we should be looking for? or a standard money factor? Does it depend on the state we buy it in?

    We are looking at leasing a 09 XT.
    What residual should we aim for? money factor? Do we have the ability to call this? Or is every dealer different?

    Also, can we negotiate below the dealer base price? or is that the final cost?

    we're total novices!! :)
  • shonuffshonuff Posts: 4

    What is the Residual percentage and money factor on a Subaru Forester X Limited with Nav with lease terms of 36 months @ 15K miles/yr? @12K miles/yr?

    If the residual/money factor changes without Nav, please send that as well.

  • Car_man,

    What is the Residual percentage and money factor on a Subaru Forester XT with lease terms of 36 months 12K miles/yr? No money down.

    Thank You very much!!

    (and are the numbers you give, true no matter what dealer we are going to?)
  • No problem, gtmada. Here you go. Subaru Finance's current buy rate lease money factor and residual value for a 36 month lease of a 2008 Subaru Outback i Limited Wagon with 12,000 miles per year are .00105 and 53%, respectively.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hey windowsill. Subaru's lease program does vary slightly by region, but this is what its program is like for this vehicle in most of the country. Subaru Finance's specific lease program for this model also varies by term and mileage allowance. You never mentioned what either of these variables are, so for now I will assume that you are interested in a 36 month lease with 15,000 miles per year. Let me know if you want something different.

    Its buy rate lease money factor and residual value for a 36 month lease of a 2009 Forester XT with 15,000 miles per year are .00160 and 61%, respectively. These numbers should be consistent, regardless of what dealer you go to.

    You definitely should be able to negotiate a discount on the Forester that you are interested in leasing, just as if you were paying cash for or financing it. I am not all that familiar with what the market is like for this vehicle right now, but given the current state of the auto industry I would not be surprised if you were able to get one for fairly close to dealer invoice. You can look up the invoice price of the exact model that you want over in the New Vehicle Pricing section of You also should stop by the "Subaru Forester Prices Paid and Buying Experience" discussion.

    Prices Paid: Buying & Leasing Experiences Forum
  • Here you go, shonuff. I don't believe that Subaru has an "X Limited" trim level of this model. It has an "XT Limited" and an "X Premium." For now I'll give you the scoop on the TX Premium. Let me know if you want something different. Subaru Finance's current buy rate lease money factor and residual value for a 36 month lease of a 2009 Forester XT Limited with 15,000 miles per year are .00175 and 56%, respectively. The residual value for a lease with only 12,000 miles per year is 1% higher. The addition of navigation reduces its residual value by 1%.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi windowsill. Subaru Finance's current buy rate lease money factor and residual value for a 36 month lease of a 2009 Forester XT with 12,000 miles per year are .00160 and 62%, respectively. This lease program should be the same at all dealers.

    Prices Paid: Buying & Leasing Experiences Forum
  • weswazweswaz Posts: 23
    Wanted to share the results from the lease we ended up with over the weekend in So. Cal.

    Subaru Forester 2.5X Premium w/ All Weather Package, aero cross bar, rear bumper cover, splash guard, ipod interface...

    36 Month Lease; 10K miles per year
    MSRP: 25388
    Base Cap: 23083 (about $700 under invoice)
    Money Factor: .00175
    Residual: 62%

    I thought I could get better on the money factor w/ 740+ FICO score and a percentage better on the residual for lower miles... but the three lowest bidders wouldn't budge.

    $600 out of pocket, $322 a month (includes 7.75% tax). I'm not complaining!

    Worth noting for those in the So Cal market... of the 10 dealers in the OC, IE, and SD I sent email requests to, three were very competitive.and under invoice. Those dealerships were San Bernardino (where I bought mine... in and out in about an hour including a test drive), Irvine, and Puente Hills. The others quoted out of pocket fees of $700-100 and monthly payments of $340-366, or otherwise chose not to quote and instead insisted that I needed to come to their dealership. Something I found very effective... when emailing my request for a price, money factor, residual values I included the VIN # of the vehicle I was most likely to buy from the inventory listed on the dealers website.
  • andreymandreym Posts: 2
    This sounds like a great deal, congratulations!
    Did you contact Thousand Oaks or Sherman Oaks dealerships? I've been looking at their inventories, both have a fairly decent number of Foresters sitting on the lots..

  • Car Man - thank you very much!

    I have a question for you - we got our lease a few days before you responded. Our lease is 36 month, 12,000 miles for a Forester XT. the dealer gave us the 62% residual, however, our money factor is .002XX (i don't have my numbers in front of me, but it was something like .00246 or something like that)

    We SPECIFICALLY asked about the money factor and the salesman and the finance guy said that they don't control the money factor. That it could only go up, it could not go down.

    Was this a lie? Do I have any recourse? And if I went back to the dealership and called them on this, what kind of support could I use? (not sure, "the car man from the internet said so" , would work ;)

    thanks for all your help! we do love our car! but it really makes me upset if they sat there and lied to my face!
  • weswazweswaz Posts: 23
    Those were out of my shopping radius. Check Irvine's inventory... it's huge. Might be worth the drive. I'd assume you should expect similar pricing to what they quoted me which was very close to what I paid in San Berdoo. I used the contact button right from their webpage.
  • Seems like a good deal. Does anyone know the specifics of the college grad discount? Can it be applied to the lease?
  • Congratulations on getting your new Forester, weswaz. Thanks for taking the time to share the details of your lease with anyone. If you'd like, you can stop by the Dealer Ratings & Reviews section of to share your thoughts on your recent dealer experience as well. Enjoy your new ride :shades: !

    Prices Paid: Buying & Leasing Experiences Forum
  • You're very welcome, windowsill. The finance guy who told you that dealers don't control money factors wasn't completely telling the truth. It is true that dealers cannot lower banks' published buy rate lease money factors, dealers are often allowed to mark them up to add additional, hidden profit to deals. I am not sure if Subaru Finance allows dealers to mark its money factors up, but I would not be surprised if it did. Unfortunately, once you have signed your lease and physically taken delivery of your vehicle there really isn't anything that you can do to change your deal.

    Prices Paid: Buying & Leasing Experiences Forum
  • Can anyone tell me what the upcoming lease rates are going to be for October on the 2009 forester x premium & x limited? Thanks in advance.
  • Hi sub4543. Subaru's current lease program is scheduled to run through September 30th. It is difficult to say what its October program will be like for the Forester. It would be difficult normally, but further complicating matters are the fact that it is the beginning of a new quarter and the fact that so many manufacturers have made dramatic changes to their lease programs lately. Sorry that I could not be of more help. Feel free to check back with me later this week and I will fill you in on the details of the new program.

    Prices Paid: Buying & Leasing Experiences Forum
  • Thanks. I appreciate it. Hopefully they'll stay the same or better.
  • arvanarvan Posts: 6
    Do you have the current lease rates and residuals for the Forester 2.5x premium and x ltd for October?
  • btmatxbtmatx Posts: 1
    I am looking for the current (October) lease rates and residuals for on a 36-month lease. Vehicles I am interested in are Forester X Auto (9FB) and Legacy 2.5i (both base models). Please give numbers for both 12,000 and 15,000 miles/year, if possible.

    Thanks in advance!
  • niasnias Posts: 6
    Hey guys,
    Would anyone mind teaching me or pointing me to where I can teach myself about residual value & money factor. I'm smart enough to know the Northern NJ Subaru dealer was trying to rip me off, but I'd rather be armed with this type of information next time. Thanks so much. JRon
    PS. For giggles here were the original deals(jokes) offered:
    2009 Forester w/premium package/manual - Msrp 22,495/Invoice 21,171
    24 month/10k/0down = $539 per month
    36 month/10K/0down = $449 per month
  • gooch5gooch5 Posts: 14
    I visited a dealer in Queens, NY and I was given a lease offer for 36 months 15k miles
    on a 25.x limited

    Total out of pocket $1150
    $379 per month

    How does this offer sound?
  • You really need to post all the numbers to get an accurate assessment.

    Whether or not that $379 included sales tax.
    Where did the out of pocket $1150 go? Was it to pay fees, dmv, 1st payment, etc? Or did you actually put money against the sale price?
  • gooch5gooch5 Posts: 14
    Thanks for the response.
    I will get all the numbers tonight. The taxes were rolled into the monthly payments.
    The out of pocket was 1st payment, bank fee, sec deposit. I don't recall if the MV fees were put in here.
  • Same as last poster, you need all the numbers to calculate a lease.

    MSRP multiplied by the residual % = Residual Value.
    Cap cost is the sale price of the vehicle including all rebates etc.
    Net Cap Cost is the sale price and all discounts PLUS any and all fees.
    Money factor is basically the interest rate charged for the lease.

    NET CAP COST minus RESIDUAL divided by term in months = YOUR BASE PAYMENT


    Add your sales tax to monthly payment for total payment
  • See if there is a penalty for waiving security deposit. Honda charges you a slightly higher money factor if you waive. Ford/GM do not. If you are going to take reasonable care of the vehicle, I would waive it.
  • gooch5gooch5 Posts: 14
    I still have to get the cap, net cap, and money factor costs.

    I am more interested in the XT model. The price give to me for that model was based on an MSRP of 28,115

    With leather the monthly costs for the 09 xt was $394 per month with 1285 out of pocket which includes Bank fee, 1st payment, and plates. No sec deposit.

    Nias thanks for the formula. I am a newbie to leasing. I have always owned cars.
  • $394 seems high to me. If it was 62% residual and MF was 0.00175 and you got a cap cost of $25,000 your payment would be sub $300 including sales tax.
  • No problem, sub4543. I'm always glad to help.

    Prices Paid: Buying & Leasing Experiences Forum
This discussion has been closed.