Here is one I am looking into - Enclave Premium MSRP $48,060 and sales price $45,277. What would the lease terms be on this arrangement? What are typical end of lease terms with GM leases?

Hi windrock. It wasn't completely clear, but I think that you want me to work up a payment on this vehicle for you. Here we go. According to my calculations, if you were to lease a 2013 Buick Enclave that has an MSRP of $48,060 and a selling price of $45,277 through Ally right now for 36-months with 15,000 miles per year, your zero down, pre-tax monthly payment would be around $530.

Ally does not charge a disposition fee at lease-end for consumers who want to give their vehicles back, but for some reason it has been charging consumers who want to buy their vehicles at lease-end and exorbitant fee.

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Car Man what are the current money factor and residual for the 2013 enclave leather FWD. I'm looking for 10,000 miles and either 24,36, or 39 month lease. Thanks

First thank you for doing what you do on here. I saved $50 a month on a lease of a Sonata last year. I found what other people were getting and called around until some one gave us that rate. Amazing how one dealer laughs at us but the next calls us back and it's a done deal.

I tried to find a calculator but for some reason it's not working. I am looking at a 2013 Enclave Premium Group. MSRP $51,240 and a final price $49,740. Lease of 36/39 months and 15,000 miles. I am thinking they would give a better rate for a 39 month, but who knows. I don't have a GM car already so nothing with Ally already. Seems there is only a $1,500 discount now. Unless you see something else?

Also I am thinking we could get $10,000 out of our trade in. I know it's best not to put a down payment or trade in, we didn't on our other car. But we have so many issues with the current vehicle I just absolutely don't want to deal with private selling it and want to just get rid of it.

Thank you so much for the nice service you are offering. I am negotiating a deal on a 2013 Enclave leather group. Please tell me what a good deal on a lease should be with $0 down and 24 months 12k per year.

Need to know payment before tax and fair residual value.

The 3# are as follow:

MSRP is $44050. Sale price is 42020 and incentives are $4870. Dealer fees of $1370 which includes acquisition. Residual is at 62% (is the residual fair?). What should my payment be considering all of the incentives.

Hi cosmedent. Ally uses lease rates instead of money factors to calculate the interest portion of lease payments. Its March base lease rate and residual value for a 24-month lease of a 2013 Buick Enclave without Convenience with 10,000 miles per year are 1.0% and 64%.

The numbers for 36- and 39-month leases of this truck are 1.5% / 57% and 1.5% / 55%.

General Motors is currently providing a $3,340 cash incentive on 24- and $2,530 on 36-39 month leases of this vehicle. There's an additional $500 op top of that in certain areas.

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Hi shaker58. I'm not aware of any official early lease that General Motors is running right now. If there is none then you will probably be be better off waiting until you are closer to the scheduled end of your lease to get something new.

Ally's March base lease rate and residual value for a 36-month lease of a 2013 Buick Enclave without Convenience with 12,000 miles per year are 1.5% and 57%.

GM is providing a $2,530 cash incentive on 36-month leases of this model in all areas plus an additional $500 on top of that in certain areas.

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You're very welcome hoodsurfer. I'm glad that I've been able to help you out.

General Motors is currently providing a $2,530 cash incentive on 36 to 39 month leases of this model through Ally. If I was in the market for one, I personally would shoot for a selling price of a couple hundred dollars over the dealer invoice price that is listed here at Edmunds.com minus the above cash.

Do you need me to work up a lease payment for you? You can always use the formula that is outlined in this article to play with the numbers: Calculate Your Own Lease Payment.

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You're welcome Cobia2006. Let's work up a payment on this vehicle and see what we come up with. According to my calculations, if you were to lease a 2013 Buick Enclave without Convenience that has an MSRP of $44,050 and a selling price of 37,150 through Ally right now for 24-months with 12,000 miles per year, your zero down, pre-tax monthly payment should be around $419.

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Thanks Car Man. So I looked at a different one and they are telling me on a $55,060 premium group AWD 2013 that I got them down to $46530 that my payment on a 36 month 15k lease would be $600. Tax in NC is 3% and they told me the residual was 55% and the rate was 2.7%. Ugh, where are they getting this info, based on what you are saying in here? Can you please work the numbers... I am clearly missing something.

You're welcome hoodsurfer. According to my calculations, if you were to lease a 2013 Buick Enclave Premium AWD that has an MSRP of $55,060 and a selling price of $46,530 through Ally right now for 36-months with 15,000 miles per year, your zero down, pre-tax monthly payment would be around $470.

I used a lease rate of 1.5% and a residual value of 57% to arrive at this payment. The residual value for the '13 Enclave with the 1SD option, which I translate to Convenience, would be 55%, but all other Enclave models should be 57%.

Either way, a payment that's more than $100 per month higher than what I came up with is way out of whack. The 2.7% lease rate that they quoted you is flat out wrong for a lease through either Ally or US Bank. Is the dealer using GM Financial for this deal?

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I am not sure, I will contact them tomorrow. Closed on Sundays. I agree something is amiss here and I am not sure what. Everytime I tried to ask him something he kept saying you aren't comparing apples to apples. I told him another dealer gave me $530 on a MSRP of $48k. I kept saying yeah so their MSRP is lower, so your payment should be lower. And he was like, no you have to look at the MSRP. WHich I know you do a little bit but still. I guess I'll keep shopping around...

Thank you for your response. Based on the adjusted cap of $37150 I provided you with, you calculated a payment of $419 (Which is on par of what I am wanting to pay). The Dealer quoted me $553 + tax+ fees. Where does the difference come from? It seems pretty high!! I feel like they are trying to rip me off.

I am setting off to do battle this weekend on a 2013 Enclave or GMC Acadia lease. I would like to have the numbers for the following vehicle so I hopefully don't have to waste the whole day playing price ping pong. The two vehicles that I am considering are a 2013 Buick Enclave Leather Edition or 2013 GMC Acadia Denali depending which has the best program and residuals resulting in the best lease rate. Below are the numbers for the Buick and GMC I was looking at..Thanks for your help...

2013 Enclave MSRP: $44,875 Sale Price: $42,620 (They are claiming they will sell $50 over invoice) Rebate: $1500 I am ok with a 24, 36 or 39 month lease at 15,000 per year

2013 GMC Acadia Denali MSRP: $47,835 Sale Price: $47,885 Rebate: $1500 24, 36 or 39 months at 15,000 per year

Thank you so much for the amount of time you spend helping us out!

I am a bit confused about the Incentives you mentioned. Is Ally cash separate from competing owner conquest cash? Can I expect to add them for a bigger discount? Please help! Hoping to lease a gorgeous Enclave this week!

What are the incentives that are available for a competitive owner in WI willing to do the Experience Buick 24m lease?

Here is what I have so far.

Sticker. $39,490 Edmunds invoice. $36,523 Add $200. $36,723 Minus Ally cash of $3,340. $33,383 Minus Potential Ally cash $500(?). $32883 Minus conquest of owner cash $2,000. $30,883 Minus Bonus cash(?) $500. $30,383

Does that look right or am I double counting? In other words, when you say Ally cash incentive is available with leases, is that separate from other bonus cash like conquest cash?

Car_Man, a quick question. How do I use the Ally Lease Rate to calculate the "interest" portion of my monthly payment? I know how to calculate everything else (residual, monthly depreciation, etc.). Because it's not a Money Factor, I can't find any online examples.

I am interested in the 2013 enclave leather group fwd with 15k miles. What are the numbers (money factor, residual) for April? Also, are the same incentives available?

Hi osceola2013. Ally's current base lease rate and residual value for a 24-month lease of a 2013 Buick Enclave without Convenience with 15,000 miles per year are 1.0% and 61%. The numbers for an otherwise identical 36-month lease are 1.5% and 57%. The 39-month numbers are 1.5% and 55%.

There's a $3,340 cash incentive on 24-month and $2,530 on 36-39 month leases of this truck. There's another $500 bonus cash everywhere and another $500 in certain areas on top of that.

The numbers for the GMC Acadia Denali are 1.0% and 65%. The numbers for a 36-month lease are 1.5% and 56%. The 39-month numbers are 1.5% and 54%.

The cash on the '13 Acadia is $1,500 on 24 month and $2,000 on 36-months again plus the $500 bonus cash and the potential for another $500 in certain areas.

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Hi jen727bf. General Motors' March lease program for the 2013 Enclave is supposed to be good through April 30th. That program provided a base lease rate of 1.5% and a residual value of 57% on a 36-month, 15,000 mile per year lease of this truck.

General Motors is currently providing a $2,530 cash incentive on 36-month leases of it through Ally, plus another $500 on top of that in select areas, plus $500 bonus cash, plus $2,000 cash if you are currently leasing something.

Feel free to check back with me in a few days to see if there has been any unscheduled changes.

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I'm looking to lease a premium with navi and sunroof which has an msrp of 48,715. I am located in the Miami FL area. What are the reductions / incentives I should expect to get? The lease will be for 36 or 39 months. I own competing brand vehicles which perhaps may qualify me for a conquest discount? From what I've read on the previous posts...there's approximately $9000 worth of discounts / incentives to be reduced from the msrp. What should the monthly payment be?

Also, should I expect to have to pay a security deposit? Dealer fees in addition to tag charges?

Hi neilman. Let's take a look at the cash incentives that are available on a lease of a 2013 Buick Enclave. There's a $2,530 cash incentive on 36 to 39 month leases of this truck plus another o grand if you are currently leasing a non-General Motors product or $1,000 if you are the current owner of a non-GM product. Add this to what ever sort of dealer discount you can negotiate. If I was in the market for this model, I personally would shoot for a selling price of right around invoice minus incentives. You can find the invoice price over in the New Vehicle Pricing section of Edmunds.com.

Let's work up a payment. According to my calculations, if you were to lease a 2013 Buick Enclave that has an MSRP of $48,715 and a capitalized cost of $43,785 through Ally right now for 36-onths with 15,000 miles per year, your zero down, pre-tax monthly payment would be around $490.

Ally charges a $595 acquisition fee on every vehicle that it leases.

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MSRP $44,895 Incentives of $4,530 (They are claiming the $500 bonus cash is no longer being offered) 36 months with lease rate of 1.2% 55% residual value (they won't give me the 57%) for 15k miles $1583 due for inceptions (I've asked for a breakdown of these, as I was under the assumption of no money down) $441/month plus tax.

I am getting similar numbers on a 2013 Leather Trim with an MSRP of $45,930. My dealer told me the $500 dropped off the Acadia, not the Enclave. I am still getting offered the Ally money, the $500 and an additional $500 for being a Farm Bureau Insurance member. I am also being quoted 55% on 36 month and 52% on a 39 month lease, not sure if these changed on April 1st when the national incentived did...

Hi jen727bf. What you were told is correct, the $500 bonus cash did disappear. It's difficult to say at this point whether GM will being it back later this month.

The cash incentives that you mentioned look correct. The lease rate that you were quoted is correct as well, just for a deal though U.S. Bank instead of through Ally, which is fine. Both act as captive finance companies for GM. Dealers cannot alter banks' residual values so don't worry too much about that.

If you like the vehicle and negotiate a selling price that's pretty close to invoice minus incentives, go for it.

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## Comments

538,515Ally does not charge a disposition fee at lease-end for consumers who want to give their vehicles back, but for some reason it has been charging consumers who want to buy their vehicles at lease-end and exorbitant fee.

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2130Can you please give lease numbers on 36months/12k if there is a better program let me know.

what rebates would apply?

7First thank you for doing what you do on here. I saved $50 a month on a lease of a Sonata last year. I found what other people were getting and called around until some one gave us that rate. Amazing how one dealer laughs at us but the next calls us back and it's a done deal.

I tried to find a calculator but for some reason it's not working. I am looking at a 2013 Enclave Premium Group. MSRP $51,240 and a final price $49,740. Lease of 36/39 months and 15,000 miles. I am thinking they would give a better rate for a 39 month, but who knows. I don't have a GM car already so nothing with Ally already. Seems there is only a $1,500 discount now. Unless you see something else?

Also I am thinking we could get $10,000 out of our trade in. I know it's best not to put a down payment or trade in, we didn't on our other car. But we have so many issues with the current vehicle I just absolutely don't want to deal with private selling it and want to just get rid of it.

Thanks!

2Thank you so much for the nice service you are offering. I am negotiating a deal on a 2013 Enclave leather group. Please tell me what a good deal on a lease should be with $0 down and 24 months 12k per year.

Need to know payment before tax and fair residual value.

The 3# are as follow:

MSRP is $44050. Sale price is 42020 and incentives are $4870. Dealer fees of $1370 which includes acquisition. Residual is at 62% (is the residual fair?). What should my payment be considering all of the incentives.

Thank you!

Cobia2006

9438,515The numbers for 36- and 39-month leases of this truck are 1.5% / 57% and 1.5% / 55%.

General Motors is currently providing a $3,340 cash incentive on 24- and $2,530 on 36-39 month leases of this vehicle. There's an additional $500 op top of that in certain areas.

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38,515Ally's March base lease rate and residual value for a 36-month lease of a 2013 Buick Enclave without Convenience with 12,000 miles per year are 1.5% and 57%.

GM is providing a $2,530 cash incentive on 36-month leases of this model in all areas plus an additional $500 on top of that in certain areas.

Car_manHost

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38,515General Motors is currently providing a $2,530 cash incentive on 36 to 39 month leases of this model through Ally. If I was in the market for one, I personally would shoot for a selling price of a couple hundred dollars over the dealer invoice price that is listed here at Edmunds.com minus the above cash.

Do you need me to work up a lease payment for you? You can always use the formula that is outlined in this article to play with the numbers: Calculate Your Own Lease Payment.

Car_manHost

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38,515Car_manHost

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738,515I used a lease rate of 1.5% and a residual value of 57% to arrive at this payment. The residual value for the '13 Enclave with the 1SD option, which I translate to Convenience, would be 55%, but all other Enclave models should be 57%.

Either way, a payment that's more than $100 per month higher than what I came up with is way out of whack. The 2.7% lease rate that they quoted you is flat out wrong for a lease through either Ally or US Bank. Is the dealer using GM Financial for this deal?

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72Thank you for your response. Based on the adjusted cap of $37150 I provided you with, you calculated a payment of $419 (Which is on par of what I am wanting to pay).

The Dealer quoted me $553 + tax+ fees. Where does the difference come from? It seems pretty high!! I feel like they are trying to rip me off.

Any thoughts?

3I am setting off to do battle this weekend on a 2013 Enclave or GMC Acadia lease. I would like to have the numbers for the following vehicle so I hopefully don't have to waste the whole day playing price ping pong. The two vehicles that I am considering are a 2013 Buick Enclave Leather Edition or 2013 GMC Acadia Denali depending which has the best program and residuals resulting in the best lease rate. Below are the numbers for the Buick and GMC I was looking at..Thanks for your help...

2013 Enclave

MSRP: $44,875

Sale Price: $42,620 (They are claiming they will sell $50 over invoice)

Rebate: $1500

I am ok with a 24, 36 or 39 month lease at 15,000 per year

2013 GMC Acadia Denali

MSRP: $47,835

Sale Price: $47,885

Rebate: $1500

24, 36 or 39 months at 15,000 per year

1Thank you so much for the amount of time you spend helping us out!

I am a bit confused about the Incentives you mentioned. Is Ally cash separate from competing owner conquest cash? Can I expect to add them for a bigger discount? Please help! Hoping to lease a gorgeous Enclave this week!

What are the incentives that are available for a competitive owner in WI willing to do the Experience Buick 24m lease?

Here is what I have so far.

Sticker. $39,490

Edmunds invoice. $36,523

Add $200. $36,723

Minus Ally cash of $3,340. $33,383

Minus Potential Ally cash $500(?). $32883

Minus conquest of owner cash $2,000. $30,883

Minus Bonus cash(?) $500. $30,383

Does that look right or am I double counting? In other words, when you say Ally cash incentive is available with leases, is that separate from other bonus cash like conquest cash?

Thank you so much!!!

21Thanks!

6,0292015 Buick Enclave / 2017 Hyundai Elantra

12I am interested in the 2013 enclave leather group fwd with 15k miles. What are the numbers (money factor, residual) for April? Also, are the same incentives available?

Thanks.

38,515Car_manHost

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38,515There's a $3,340 cash incentive on 24-month and $2,530 on 36-39 month leases of this truck. There's another $500 bonus cash everywhere and another $500 in certain areas on top of that.

The numbers for the GMC Acadia Denali are 1.0% and 65%. The numbers for a 36-month lease are 1.5% and 56%. The 39-month numbers are 1.5% and 54%.

The cash on the '13 Acadia is $1,500 on 24 month and $2,000 on 36-months again plus the $500 bonus cash and the potential for another $500 in certain areas.

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38,515Sticker. $39,490

Edmunds invoice. $36,523

Add $200. $36,723

Minus the $2,530 cash incentive that's available on 36-month leases of this truck through Ally.

Minus another $500 lease incentive if it's available in your area (tell me what state you are in and I can tell you if it is)

Minus the $2,000 conquest cash if you are currently leasing a non-GM product.

Minus the $500 Bonus Cash.

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38,515Thanks for the help tjc78!

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38,515General Motors is currently providing a $2,530 cash incentive on 36-month leases of it through Ally, plus another $500 on top of that in select areas, plus $500 bonus cash, plus $2,000 cash if you are currently leasing something.

Feel free to check back with me in a few days to see if there has been any unscheduled changes.

Car_manHost

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42I'm looking to lease a premium with navi and sunroof which has an msrp of 48,715. I am located in the Miami FL area. What are the reductions / incentives I should expect to get? The lease will be for 36 or 39 months. I own competing brand vehicles which perhaps may qualify me for a conquest discount? From what I've read on the previous posts...there's approximately $9000 worth of discounts / incentives to be reduced from the msrp. What should the monthly payment be?

Also, should I expect to have to pay a security deposit? Dealer fees in addition to tag charges?

Thanks!

38,515plusanother o grand if you are currently leasing a non-General Motors product or $1,000 if you are the current owner of a non-GM product. Add this to what ever sort of dealer discount you can negotiate. If I was in the market for this model, I personally would shoot for a selling price of right around invoice minus incentives. You can find the invoice price over in the New Vehicle Pricing section of Edmunds.com.Let's work up a payment. According to my calculations, if you were to lease a 2013 Buick Enclave that has an MSRP of $48,715 and a capitalized cost of $43,785 through Ally right now for 36-onths with 15,000 miles per year, your zero down, pre-tax monthly payment would be around $490.

Ally charges a $595 acquisition fee on every vehicle that it leases.

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12Here is what I've gotten so far:

MSRP $44,895

Incentives of $4,530 (They are claiming the $500 bonus cash is no longer being offered)

36 months with lease rate of 1.2%

55% residual value (they won't give me the 57%) for 15k miles

$1583 due for inceptions (I've asked for a breakdown of these, as I was under the assumption of no money down)

$441/month plus tax.

Thoughts?

Thank you!

338,515The cash incentives that you mentioned look correct. The lease rate that you were quoted is correct as well, just for a deal though U.S. Bank instead of through Ally, which is fine. Both act as captive finance companies for GM. Dealers cannot alter banks' residual values so don't worry too much about that.

If you like the vehicle and negotiate a selling price that's pretty close to invoice minus incentives, go for it.

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