# 2017 & 2018 GMC Acadia Denali AWD Lease Questions

Hello! Can someone tell me if this sound right? I can't figure out how they generated these numbers, they seem high.

Both are for 36 month lease, 12K miles...

For the 2017

MSRP: $51,380.00

Gm Employee Discount: $47,025.82

Rebate: $1,000

Trade in: $4,000

Residual $31,341.80

Payments assuming all of the $4,000 of trade value applied would be $457 a month.

For the 2018

MSRP: $51,445.00

Gm Employee Discount: $47,087.00

Rebate: $0.00

Trade in: $4,000

Residual: $30,867.00

Payments assuming all of the $4,000 trade value to be applied = $525 a month

GM Financial has an acquisition fee of $595, the Documentation fee from the dealership of $250, and then we also allocate $100 towards title / registration, and plates/tags. So $945 in total. As it works out, the GM discount will be better than using the competitive lease discount. So going with employee on the 2017 seems to work out to be the better option (And better residual)

First time posting here, let me know if you need more info. Thanks in advance!

Chris

Both are for 36 month lease, 12K miles...

For the 2017

MSRP: $51,380.00

Gm Employee Discount: $47,025.82

Rebate: $1,000

Trade in: $4,000

Residual $31,341.80

Payments assuming all of the $4,000 of trade value applied would be $457 a month.

For the 2018

MSRP: $51,445.00

Gm Employee Discount: $47,087.00

Rebate: $0.00

Trade in: $4,000

Residual: $30,867.00

Payments assuming all of the $4,000 trade value to be applied = $525 a month

GM Financial has an acquisition fee of $595, the Documentation fee from the dealership of $250, and then we also allocate $100 towards title / registration, and plates/tags. So $945 in total. As it works out, the GM discount will be better than using the competitive lease discount. So going with employee on the 2017 seems to work out to be the better option (And better residual)

First time posting here, let me know if you need more info. Thanks in advance!

Chris

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## Comments

216,0322018: .00119 MF

Better residual and lower money factor on the 2017. It's always going to be the better deal.

Surprising that the 2017 is only cheaper by the $1000 rebate.

If you get the adjusted CAP cost, we can check the payment

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Edmunds Moderator7So you are saying they worked the 2017 APR at a 2.232% and the 2018 at 2.856% (MF * 2400)?

And the adjusted CAP cost, do you mean the MSRP minus the trade-in, GM discount, rebate, and the residual value?

That should be $10,684.02 for the 2017 and $12,220.00 for the 2018 if my math is correct.

Let me know if I am misunderstanding you.

I also will have 8% tax.

Here is what I got when I calculated it, but I might be missing something:

Thanks again!

Chris

216,032Unless you are paying your title fees upfront, they need to go above the line, and be added into the Net Capitalized cost.

If this is Ohio, tax is paid upfront, and also has to be added to the NET CAP (unless you are paying it upfront). It's not collected monthly on the payment.

So, at the end, it's just Monthly depreciation + finance fee = payment. (tax and fees already rolled in).

If it's not Ohio, let me know which state.

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Edmunds Moderator7Thanks again!

Chris

216,032Edmunds Price Checker

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Edmunds Moderator77https://www.edmunds.com/car-leasing/calculate-your-own-lease-payment.html

I get an Adjusted Cap Cost of $44,032 (2018) and $42,970.82 (2017) using the above. Then payments at $491.35 and $423.44 respectively.

But you are saying I need to add the tax above the line. Do I need to add the tax to the gross cap cost or the adjusted cap cost (after rebates/trade-in) before figuring out the monthly payments?

Doing this (tax to the gross) I get an Adjusted Cap Cost of $47,874.56 (2018) and $46,808.49 (2017), then payments of $566.27 and $502.24 respectively, which seems VERY high. Again, the dealer's monthly payment were $457 & $525.

Here are my calculations if this helps:

Chris

7I think I got close to the dealer's numbers with the following (I'll stick to the 2017 Acadia Denali AWD):

MSRP: 51,380.00

Price after GM Family discount: 47,025.82

Money factor: .00093

term: 36 mo

miles: 12K

residual: 31,341.80

fees: 945

rebates: 1000

trade-in: 4000

tax rate: 8%

gross cap cost: 47,970.82

adjusted cap cost: 42,970.82

adjusted cap cost with tax: 46,408.49

depreciation: 15,066.69

rent charge: 40.81

payments: 459.32 (dealer quote 457)

Let me know if this looks right.

I appreciate your help!

Chris

216,032Taxes are calculated on the sum of the monthly payments, plus CAP cost reductions (like trades and rebates).

Once the tax is calculated, you add it to the Gross CAP cost.

That's why I suggested you get the numbers from the dealer, as they know the exact tax amount they are using to calculate the lease payment. Just because you add it to the CAP cost doesn't mean that the tax percentage is applied to the full CAP cost.

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Edmunds Moderator7216,032It's no different than if you were purchasing the vehicle. You want to know every item that is being paid for, that goes into the price.

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Edmunds Moderator57216,032.00059 MF and 61%/63% residual for SLT/Denali

.00093 MF and 57%/59% residual for SLT/Denali

2018:

.00127 MF and 66%/68% residual for SLT/Denali

.00089 MF and 56%/58% residual for SLT/Denali

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Edmunds Moderator92018 Acadia SLT-1 - 36 month 10k

Thank you,

9218,081Edmunds Price Checker

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

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