By accessing this website, you acknowledge that Edmunds and its third party business partners may use cookies, pixels, and similar technologies to collect information about you and your interactions with the website as described in our
Privacy Statement, and you agree that your use of the website is subject to our
Visitor Agreement.
Comments
.00182 and 56%
$2500 lease credit - gas
$2750 lease credit - hybrid
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
I feel like for 800+ FICO maybe the MF is too highl? The MSRP is $85,245 and they are offering the car to me for $74,925 (salesperson told me there may even be some room to go). Look forward to feedback on this. Thank you!!! Zip is 90025
58% for 36/12
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
How does this look for a 2018 xdrive35i at Zipcode 48188. Other than the moneyfactor coming to 0.00182 what else can I work with here? For sure I am going to negotiate the selling price,but otherwise how does this calculation look for a 3 year 15k mile\year lease?
You want to target 7% (or more, if you're feeling lucky) off MSRP. At the moment, you're at 4.1%
Lower selling price and base MF are the only negotiation points for you.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Also, I am interested in BMW’s one pay /single pay lease option but I don’t see it discussed much in this forum. Is there a corresponding base MF for this lease type? Dealer suggested the one pay lease when I inquired about security deposits (apparently not allowed in NY). Anyway, just trying to figure out if the one pay lease makes any economic sense.
Thanks!
There is a reduction in the MF of .00030 for a one-pay lease.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
$2750 lease credit
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
No lease incentives
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
For the 2018 x5 x35i and the x40e, would you kindly provide the updated money factor and residuals for the following in 94109?
36 months/10,000 miles per year
30 months/10,0000 miles per year
Also, do you know if there are any factory incentives for November?
Thank you for your time and help in advance.
$1000 lease credit
$1000 loyalty
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
62%/59% residual for 30/36 mo
$1750 lease credit on 40e only.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
Do you know what the acquisition fee is before markup?
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
$2500 lease credit
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Lease Credit:
$2500 on 35d
$1500 on 35i
$1750 on 40e
$1000 loyalty
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
$2500 lease credit
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
$1500 lease credit
Lease credit varies by market
Demos will have lower residuals, based on mileage.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
2019 X5
59% residual for 10k miles
0.00182 money factor
$2157 NJ taxes
$319 motor vehicle
$398 doc fee
$ 925 bank fee
$775 first month payment
msrp $66,695
sale price $60,720
2019 convenience ,parking assistance package,remote start ,front and rear heated seats ,heated wheel and armrest
2018 xX5
59% residual 10k miles
0.00182 money factor
$2047 nj taxes
$319 motor vehicle
$398 doc fee
$925 bank fee
$705 first month payment
msrp $63,285
sale price $57,580
2018 has $1k rebate applied
premium package ,heated steering wheel
Thanks
I agree with the MF and residual values, and the discount from sticker seems pretty strong, in both cases.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
based on how i calculated, these are my numbers
Residual = 33972
Out of pocket for 36 Months = 23607 (655 a month)
Interest = 91552(Residual + Sale price) * .00182= 166
Total=821
Even the sales TAx does not look right.
That's a lot of up front cash - in NJ, you are taxed on the sum of the payments, collected up front. You can (and should) add that to the selling price and make it part of the monthly payment. Same with the non-government fees (doc and bank fees). Only out of pocket should be first payment and registration costs.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
36/15
.00182 MF and 56% residual
$2500 lease credit
It could be advantageous to lease a loaner, if the discount is big enough.
The best deals are on units with under 5000 miles, because at 5K miles+, you lose the incentives and the residual drops precipitously.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
2018 BMW X5 50i, CPO (ex-courtesy car), MSRP $83k, selling for $72k
$3500 incentives (FOR LEASING)
$6000 incentives (FOR BUYING)
.001825 MF, $46k residual - 3 yr/15k miles
They even showed me monthly payments based on money down, $10k, $15k, and $20k down...(yikes). What should I do? Negotiate the price down more since it's a loaner, or lower the amount down?
.00182 MF is correct.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
I'm wondering if I can even negotiate this down more, or if I should just go for a 2019 and wait...I can't tell if the $72k price is reasonable or if it should be even more off. It seems a lot of people took new cars that weren't CPO/loaners and went from ~$85k+ MSRP to around $10k off...
I’m thinking 15% off MSRP. Is that too aggressive?
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
2018 X5 loaner lease carrying about $4400 of negative equity. Wonder if this is a deal. Looking at $750 w/$1500 DAS
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
any incentives too including loyalty if available. Thanks!
.00182 MF and 58% residual
$1500 lease credit
$1000 loyalty
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
MSRP $65,535.00
SELLING PRICE $57,900.00
FEES (Acq-$925, Gov't Fee-$16.25, Doc Fee-$199;Taxes -$1992.96) Total Fees: $3,133.21
RV RATE: 59%
RESIDUAL VALUE $37,765.65
Money Factor 0.00207
COST $861.26 (Nothing up front except 1 month, taxes appear incl)
Term 36 Months
MILES/YR 10000
CURRENT MILES -- *DEMO* 4100
ZIP Code: 46225
1. There is no lease incentive on the 2018 X5, for November
2. MF is marked up from the base rate of .00182; that is adding about $25/mo to the payment
3. Subtract $1025 from the calculated residual for the demo miles (that is the adjustment you allude to)
I get $801/mo with those numbers. Ask the dealer for the specific CAP cost they are using for their quote; might be some more fees added in there that haven't been disclosed.
Edmunds Price Checker
Edmunds Lease Calculator
Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
MODERATOR
2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige