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The discount for one-pay is only .00030 (not worth it, IMO)
The markups are typical. When I lease, I tell them I won't accept a deal with a money factor markup.
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https://forums.edmunds.com/discussion/50258/volvo/xc40/2019-volvo-xc40-lease-deals-and-prices#latest
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige