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2013 and earlier-Subaru Forester Lease Questions



  • Congratulations on getting your new Forester, thenagual. Thanks for taking the time to share the details of your lease with everyone. Real world examples like yours are always tremendously helpful for others who are in the market for similar vehicles.

    It sounds like you had a pleasant dealer experience. If you'd like, you can tell everyone more about it over in the Dealer Ratings & Reviews section of

    Thanks again and enjoy your new ride :shades: !

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi lasher30. The vehicle that you described probably has a spread of around $2,000 to $2,100 between its full MSRP and its dealer invoice price. The $2,092 selling price that you were quoted looks very reasonable to me. It's probably right around dealer invoice, or slightly over.

    The money factor that you were quoted is right in line with Subaru's current buy rate for this model. If you like the vehicle, I personally don't see any reason not to pull the trigger on this deal.

    Prices Paid: Buying & Leasing Experiences Forum
  • optimumoptimum Posts: 1
    Hi Car_man
    I'm new to leasing and was just quoted on a 09 forester XT Limited with the following information:

    MSRP $29,278
    Selling price $27,000
    Monthly payments: $339.06
    Term: 36 months
    Miles: 15K miles/yr
    out of pocket $2,500 (includes all fees and 1st payment)
    Buy-out price: $16,981.24

    It sounds like a good deal, but i can't be certain. Any suggestions?
  • lgtwrxlgtwrx Posts: 44
    Hi Car_man -

    My wife and I are shopping for the Forester - we're in the Midwest market (I think? - Cleveland, Ohio).

    Would you be so kind as to update the MF and residual for the following:
    -Forester X Premium with weather package, automatic transmission
    -Forester 2.5XT

    36 month lease, 10K miles per year.

    The last figures you posted, if my reading-comprehension isn't as bad as my wife makes it out to be :P :blush: , was in February. We plan to finalize the lease before month's end.

    Thank you! :)

  • lasher30lasher30 Posts: 18
    Thanks, Car_man.
  • chuck68516chuck68516 Posts: 195
    2009 ForesterX Premium All Weather VDC model code 9FG = 59% .00120
    2009 ForesterX Premium All Weather VDC model code 9FH = 60% .00120

    2009 Forester XT w/ VDC model code 9FM = 60% .00120
  • Hi Car_man and friends...

    I have a 2005 Forester XT Premium (top of the trim level, leather, sunroof, etc.), 63K miles in good condition (just got an a-ok on the 60K service, minor front bumper ding, but otherwise excellent).

    I love the car, and am seriously over my 48K mi on my 4-year lease (Subaru/Chase), so have decided I'd rather do the buyout, which is listed $13,200, plus disposition fee.

    Question is this: Can I get Chase to negotiate on any of the terms? I'm thinking this would be a cash sale to them (have some home equity, and would do it through that at 2.9%, rather than separate financing). Can I get them to at least waive the dispo fee, and is there room to negotiate the price? How does this conversation happen?

    I've been hearing that Turbos are a drag on the market (even though I love mine, I can understand the gas mileage concerns) and am wondering if there's any motivation on Chase's end not to see the car come back to them, and where/how to get some traction.

    SInce the lease ends on 4/16, I'm assuming this is the time to act.


  • joe222joe222 Posts: 6
    Car_Man - looking for April numbers for both MF & residual %s. Specifically looking for:

    -Forester X Premium with weather package, automatic transmission &
    -Forester 2.5XT Premium

    36 month lease, 12K miles per year.

  • Hi -

    Just a bump on this, no response as yet...

  • chuck68516chuck68516 Posts: 195
    In my experience you cannot negotiate the end of lease buyout if you are wanting to purchase it. The only way it can be done is if you want to trade it in early before your final payment. Really this can only be done (normally) if you are under mileage and the car is in perfect condition and you got an awesome deal on your monthly payment. Usually on a trade in you only pay the depreciation portion of your monthly payment multiplied by the number of months left on your lease.

    In your case however, you are stuck with no options. You'll have to pay the disposition fee AND sales tax on the pre-determined end value. Not worth it in my opinion. How far over miles are you?
  • Hi -

    Thanks for the feedback!

    It's a 48K/48Mo lease, I'm at 64.5K, at .15/mi over. There's a fender ding that would be about $700 to repair, according to my body shop.

  • chuck68516chuck68516 Posts: 195
    I still think it will be cheaper to pay your excess mileage charge and turn it in. Even if it costs you $3,000 it will be cheaper than buying it at lease end. If you buy it, you will have to pay off your new loan as no one will buy it back from you for that kind of money. Sales tax alone would be 1/3 of your excess mileage charge.

    Some dents are normal wear and tear. They should send you a template in the mail near your lease end showing you what the acceptable damages are. As long as it's within the template limits you will just be paying for the mileage.

    Also what ever you do, do not lease again. You drive WAY too much to lease. Leasing really only makes financial sense for people who can keep it under 12,000 miles a year. Even at 15,000 miles per year you are pushing the limits of normal wear and tear. 48 month leases are also not the best idea. Try to keep it within the 36 month bumper to bumper warranty and avoid having to spend money for new tires, brakes, etc. The 60,000 mile service alone at a Subaru dealer probably cost you over $500 correct?
  • Hi -

    I agree with you heartily that l'm driving too many miles to lease these days. However, my life changed during the lease (another reason against leasing).

    At this point, you're also right about a lot of the maintenance: brakes have been done all around $700, as have tires $600, and the 60K service including filters and belts, which was a total of $600. So, that's money already spent. I did purchase the Subaru 48M/60K warrantee, but not sure it was worth it in retrospect, as the only things needed were maintenance items past 36K. Also, spilt milk.

    Looking forward, wIth the trim/option I have (XT, Premium, leather, sunroof, alloy wheels, premium sound, and security) and taking into account the region, color and high miles, the TMV on the car is between $14.7 and 16 for a dealer-purchased (retail/certified) vehicle, which I'd consider to be my replacement cost. I've looked at several similar cars (model, trim, condition, mileage) on lots and they do seem to be priced in the TMV range.

    So, even taking into account the purchase option fee, and the sales tax (which I'd overlooked, thanks), the cost the buyout would be less than the retail TMV. Checking my contract this am, it's puchase option $12651, plus $150 purchase option fee, plus 5% tax $660, for a total of $13,433.

    Are there other costs I'm missing that would impact this price? (I'm not worrying about excise ($65/yr) or registration ($40) as those are costs I'd have whether I kept this or got something else, and the excise is actually lower on this car because of the depreciation.

    Maybe I'm missing something, but I think what I'd be doing here - even in the absence of being able to negotiate on buyout price - would be to buy the car for about what it's worth on the open market.

    I'd be paying 2.9% on the money I'd be using to buy the car, and then my plan would be to pay it off and drive it till the wheels fall off, or when I can afford to buy (rather than lease) something I want - what I used to do before I started leasing nicer cars.

    Again, since I've not done this before, I'm wondering what I'm missing considering your advice above, but this doesn't seem to be a bad decision moving forward (the bad decision was to lease in the first place ;-)

  • chuck68516chuck68516 Posts: 195
    If you've already put new brakes and tires, belts, etc. on it and you think it can go another 5 years I would consider keeping it. My only point was you are going to be spending a lot of money over the next 5 years for maintenance and out of warranty repairs. That and the fact that the used car market is terrible. You'd be lucky to get trade in value for it even if you sold it privately. A dealer would give you wholesale price if you ever decided to trade it in.

    According to KBB the Trade In value of a 2005 XT Premium is $10,675. has 39 listings with the average ASKING price being $14,000. It may be worth somewhere between $10,000 and $14,000 on the open market but if you have to finance nearly $14,000 plus pay for repairs and maintenance on it, you might as well wash your hands of it now while you still can. Your 48 months of lease payments have already added up to what $18,000? More? Add in the extended warranty you bought, services, routine maintenance, tires, etc. and you've paid for the entire MSRP of this car already once. Might as well not pay for it twice.
  • kmg422kmg422 Posts: 10
    Optimum, I am going to sign some papers for the Limited this weekend, I am curious what your out of pocket expenses were for, are you putting money down? My numbers are very similar to yours. Thanks.
  • Welcome optimum. Since you are new to, 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.

    In short, the best way to get a good deal on a leased vehicle is to negotiate as low a selling price as possible on the vehicle that you want and then have the dealer calculate your vehicle's monthly payment using its buy rate lease money factor.

    You are off to a good start because you already know what this vehicle's selling price is. The model that you are interested in probably has a spread of around $2,400 between its full MSRP and its dealer invoice price. The $2,278 dealer discount that you were quoted looks very attractive to me, assuming that no customer cap cost reduction was used to arrive at it.

    Just make sure that the dealer uses Subaru's current buy rate lease money factor of .00120 to calculate your monthly payment and you're in business.

    Prices Paid: Buying & Leasing Experiences Forum
  • I'd be happy to help you out, Allen. Subaru's current buy rate lease money factor and residual value for a 36 month lease of a 2009 Forester X Premium with 10,000 miles per year are .00120 and 60%, respectively. Interestingly, the numbers for an otherwise identical lease of a base '09 Forester XT are exactly the same.

    Prices Paid: Buying & Leasing Experiences Forum
  • You're very welcome, lasher30.

    Prices Paid: Buying & Leasing Experiences Forum
  • Here you go, Joe. Subaru's current buy rate lease money factor and residual value for a 36 month lease of a 2009 Forester X Premium with 12,000 miles per year are .00120 and 58%, respectively. The numbers for an otherwise identical lease of an '09 Forester XT are .00120 and 59%.

    Prices Paid: Buying & Leasing Experiences Forum
  • carchic1carchic1 Posts: 22
    Carman or anyone else,
    Would you be able to provide me with leasing price information on the Subaru Forester 2009 premium all-weather pkg. for the NY metropolitan area (more specifically, Long Island)? This is what I need guidance on:
    Adj. cap cost____
    Destination fee____
    Residual ________
    Many thanks.
  • stoopystoopy Posts: 105
    Your request is pretty vague, what terms/mileage? Auto or Manual transmission? Here's what I'm assuming you wanted:

    36 month/ 15,000 mile lease on a 2009 Forester 2.5X Premium w/ All Weather Package & Automatic Transmission, Residual is 58% and Money Factor is .00120. Destination Charge is $695 (up $30 from $665 as of Sept 08). Why does everyone want to know destination charge? I am assuming some shady dealers aren't including it in their MSRP. If this is the case I would look at an honest dealer that discloses MSRP including destination charge. It's a sleezeball tactic I've heard of but haven't been exposed to.

    Now then, you are asking for Adjusted Cap Cost as well. This is not a number anyone can furnish you as it will depend on your negotiated sale price which will depend on the MSRP and all discounts/haggling on your part as well as the dealer's. If you are asking for the ACQUISITION FEE which would be added to the Cap Cost (Sale Price) to make the Net Cap Cost it is $595.
  • good morning all! anyone know what Subaru is doing in May for MF/residual on Forester XT, Forester XT Limited?
  • cawinscawins Posts: 1
    Almost ready to do this and would appreciate feedback -- also info on any better May deals!

    2.5x Limited no NAV

    Residual value $15,435 (57%)
    10K miles (plenty for me), .0012 MF
    6% tax included in lease = $325/mo.
    36 month lease
    BUT I have to pay $595 bank fee, $299 conveyance fee (CT), plus a $300 disposition fee at lease end.
    Advice appreciated.
  • stoopystoopy Posts: 105
    They extended it thru May 4th.
  • thanks again stoopy - and for steering me towards Subaru (earlier post).
    being that the '10's are coming in June, i can only imagine they will want to clear out all '09's - and HOPE that either they extend the current offer or make it better after Monday - thoughts?
  • Cali123Cali123 Posts: 5
    I am looking at a Forester that has a msrp of $25,102.
    Here is what I am looking to do.

    I need a 36 month 15,000 miles lease. I do not want to put any money down at all. I want to roll eveything back into the lease.

    Does anyone have an idea at where I should be as far as payments. I want to have an idea before I enter the building.

  • stoopystoopy Posts: 105
    If you are talking about a Forester 2.5X Premium I'd shoot for a sale price of $23,000. THere aren't any rebates for the Forester as of 5-4-09 anyway so that is kind of limiting the discount on them. Plus they were Motortrend's SUV of the Year so the dealer's think they are made out of gold.

    Payment wise you should be around $295 PLUS TAX.
  • any ideas of MF/Resid on foresters as of 5/5?
  • Hi carchic1. I can provide you with information on what this vehicle's current money factor and residual value are, but it is difficult for me to say what its capitalized cost should be. In order for me to give you an idea of what price you should pay, I need you to provide me with the MSRP and dealer invoice price of the exact model that you are interested in, as you want it equipped. You can find that information right here at the New Vehicle Pricing section of

    Subaru's current buy rate lease money factor and residual value for a 36 month lease of a 2009 Forester 2.5X Premium with 15,000 miles per year are .00110 and 56%, respectively. You never mentioned how long you want to lease for or what mileage allowance you need, so I had to make some assumptions. Let me know if you want something different.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi on_the_cheap. Here's the info that you're looking for. Subaru's current 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 .00110 and 57%, respectively. The numbers for an otherwise identical lease of an '09 Forester XT Limited without navigation are .00110 and 55%.

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