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Audi A4 Lease Questions

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Comments

  • studleestudlee Member Posts: 6
    2006 Audi A4 2.0T Quattro MT6 quartz

    MSRP : $40,560

    Sunroof package, premium package, S-Line package with performance tires, premium audio package with XM satellite radio, Technology package with Bluetooth

    36 months/15k/0 down execpt 1st months payment

    607.91 with tax and lic

    final price on vehicle $39,275, residule 54%, money factor 0.0095

    i know the price can be brought down a little, and what else can i do to get a better deal?
    i'm located in seattle area
  • kevhollywoodkevhollywood Member Posts: 12
    Hey Carman. What's the current buy rate money factor and residual for, respectively, a 24 month and 36 month lease on the Audi A4 2.0 FrontTrak?

    Thanks.
  • studleestudlee Member Posts: 6
    Audi Financial Lease Rates & Residuals – Effective 4/5/06

    These lease rates are for reference only and may vary by region. The dealer does not have to offer you these rates. It’s always best to compare other lease programs through other sources such as LeaseCompare.com.

    Add 2% to Residual Value for 12k mi/yr and 3% for 10k mi/yr on all terms

    2006 Audi A4 2dr Convertible 1.8T / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 70% of MSRP – .00205 Base Money Factor Rate
    24 mo/15k mi – Residual Value 66% of MSRP – .00205 Base Money Factor Rate
    36 mo/15k mi – Residual Value 57% of MSRP – .00205 Base Money Factor Rate
    48 mo/15k mi – Residual Value 46% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 2dr Convertible Quattro 3.0L / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 69% of MSRP – .00220 Base Money Factor Rate
    24 mo/15k mi – Residual Value 65% of MSRP – .00220 Base Money Factor Rate
    36 mo/15k mi – Residual Value 56% of MSRP – .00220 Base Money Factor Rate
    48 mo/15k mi – Residual Value 46% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 2dr Convertible S4 / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 67% of MSRP – .00295 Base Money Factor Rate
    24 mo/15k mi – Residual Value 63% of MSRP – .00295 Base Money Factor Rate
    36 mo/15k mi – Residual Value 54% of MSRP – .00295 Base Money Factor Rate
    48 mo/15k mi – Residual Value 44% of MSRP – .00315 Base Money Factor Rate

    2006 Audi A4 4dr Sedan S4 / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 69% of MSRP – .00205 Base Money Factor Rate
    24 mo/15k mi – Residual Value 65% of MSRP – .00205 Base Money Factor Rate
    36 mo/15k mi – Residual Value 54% of MSRP – .00205 Base Money Factor Rate
    48 mo/15k mi – Residual Value 44% of MSRP – .00315 Base Money Factor Rate

    2006 Audi A4 4dr Sedan 2.0T / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 68% of MSRP – .00038 Base Money Factor Rate
    24 mo/15k mi – Residual Value 64% of MSRP – .00038 Base Money Factor Rate
    36 mo/15k mi – Residual Value 53% of MSRP – .00038 Base Money Factor Rate
    48 mo/15k mi – Residual Value 43% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 4dr Sedan 2.0T Quattro / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 69% of MSRP – .00043 Base Money Factor Rate
    24 mo/15k mi – Residual Value 65% of MSRP – .00043 Base Money Factor Rate
    36 mo/15k mi – Residual Value 54% of MSRP – .00043 Base Money Factor Rate
    48 mo/15k mi – Residual Value 44% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 4dr Sedan 3.2L / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 66% of MSRP – .00055 Base Money Factor Rate
    24 mo/15k mi – Residual Value 62% of MSRP – .00055 Base Money Factor Rate
    36 mo/15k mi – Residual Value 51% of MSRP – .00055 Base Money Factor Rate
    48 mo/15k mi – Residual Value 41% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 4dr Sedan Quattro 3.2L / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 67% of MSRP – .00055 Base Money Factor Rate
    24 mo/15k mi – Residual Value 63% of MSRP – .00055 Base Money Factor Rate
    36 mo/15k mi – Residual Value 52% of MSRP – .00055 Base Money Factor Rate
    48 mo/15k mi – Residual Value 41% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 5dr Avant 2.0T Quattro / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 69% of MSRP – .00064 Base Money Factor Rate
    24 mo/15k mi – Residual Value 65% of MSRP – .00064 Base Money Factor Rate
    36 mo/15k mi – Residual Value 54% of MSRP – .00064 Base Money Factor Rate
    48 mo/15k mi – Residual Value 43% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 5dr Avant 3.2L Quattro / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 67% of MSRP – .00055 Base Money Factor Rate
    24 mo/15k mi – Residual Value 63% of MSRP – .00055 Base Money Factor Rate
    36 mo/15k mi – Residual Value 52% of MSRP – .00055 Base Money Factor Rate
    48 mo/15k mi – Residual Value 42% of MSRP – .00320 Base Money Factor Rate

    2006 Audi A4 5dr Avant S4 / Compare Instant Lease Quotes

    12 mo/15k mi – Residual Value 68% of MSRP – .00205 Base Money Factor Rate
    24 mo/15k mi – Residual Value 64% of MSRP – .00205 Base Money Factor Rate
    36 mo/15k mi – Residual Value 53% of MSRP – .00205 Base Money Factor Rate
    48 mo/15k mi – Residual Value 43% of MSRP – .00315 Base Money Factor Rate

    2006 Audi A4 4dr Sedan S4 25quattro

    12 mo/15k mi – Residual Value 61% of MSRP – .00205 Base Money Factor Rate
    24 mo/15k mi – Residual Value 57% of MSRP – .00205 Base Money Factor Rate
    36 mo/15k mi – Residual Value 47% of MSRP – .00205 Base Money Factor Rate
    48 mo/15k mi – Residual Value 38% of MSRP – .00315 Base Money Factor Rate

    You can use the following formula to calculate a lease payment:

    (Capitalized Cost – Residual Value) / Term = Monthly Depreciation
    (Capitalized Cost + Residual Value) X Money Factor = Monthly Interest
    Monthly Depreciation + Monthly Interest = Base Monthly Payment

    -Tarry Shebesta, OCLC
    Certified Lease Consultant
  • ashehasheh Member Posts: 32
    Yes..well that is what they gave me anyway. I decided not to go with the Audi. The Acura TSX is a much better deal. I was qouted by Bell Audi in Rahway, NJ... not the most trustworthy dealer IMHO
  • qylqyl Member Posts: 7
    Be careful if you plan to buy or lease from Leith Audi in Raleigh North Carolina. I had extremely bad experience with them and was robbed by them. They play all kinds of tricks.

    1)They refuse to disclose the money factor and residual value to you, only stick to the monthly payment.

    I was told I could get 0.00064 MF and 65% residual value for a A4 2.0T Quattro with 24 month 15K miles per year lease.

    Then when I went to the dealershop and negotiated with the salesman, he refused to confirm the money factor and residual value saying he simply does not know and does not care. (They actually used 0.00080 0.65%instead.)

    2)They changed the price they promised.

    They promised me a price of $35,200 (MSRP $36,985, Invoice $34,335) during negotiation. Then the salesperson told me to add $1,084 acquistion fee and other fees to the price. Then I learned that this $1084 is "Pure Dealer Profit". The acquisition fee is charged separately and not included in the price.

    So the final price is $36,284.

    Lessons Learned:

    1)Never, Never trust the car salesman. They always tell lies and play tricks on you.

    2)Insist on the details and breakdowns of any fee or charges, especially the money factor, residual value...etc. Do not assume anything.

    3)Choose a better dealer
  • rjlaerorjlaero Member Posts: 659
    gyl,


    Something you need to know about leasing. A dealer CANNOT change the residual value of a car. That is SET by the bank and cannot be negotiated. It will depend on the term and how many miles per year you contract to drive. A 36mo /10k lease will have a different residual value than a 36 / 15k lease.

    If you look on the AUDIUSA.COM website, you can clearly see there is an aquisition fee on the A4 lease special.


    At the bottom of that lease add, you also see that any dealer fees will be added to that. Many dealers in the USA do have ducmentation fees they charge as dealer to handle all of your titling and DMV work. Some dealers may charge $100 - $400 or more as a Documentation Fee. It's up to the dealer to decide if they charge a documentation fee.

    2006 A4 2.0 T quattro Sedan
    $369 per month
    36-month lease*
    ---------------------------------------------------
    Down payment $999
    Refundable security deposit NA
    Acquisition fee $575
    First month's payment $369
    ---------------------------------------------------
    Amount due at lease inception $1,943

    Excludes taxes, title and dealer fees. See dealer for details.
  • qylqyl Member Posts: 7
    I did pay $575 acquisition fee and $398 documentation fee.

    However, the trick is:

    1)They agreed on the price of $35,200 but asked me to add $1,084 "fees".

    2)Then they told me the $1,084 includes the acquisition fee and other fees. They lied about this $1,084 "fees".

    3)Actually, they changed the price to $36,284 and I paid the acquisition fee and documentation fee on top of the $36,284 real price.
  • rjlaerorjlaero Member Posts: 659
    How much total out of pocket money did you put down?
  • qylqyl Member Posts: 7
    Total $1,118 including $600 monthly payment, $30 Wear&Tear protection, $79 Registration, $398 documentation fee, and $11 tax.
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Here you go, mattzinzi. If you were to lease a 2006 Audi A4 2.0T Avant through Audi Financial Services right now for 24 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00064 and 65%, respectively. The numbers for an otherwise identical 36 month lease should be .00064 and 54%. The numbers for an otherwise identical 39 month lease should be .00084 and 51%. I haven't seen this car's 42 month numbers. If you were to lease it with 12,000 miles per year, its residual values would be 2% higher. Its 10k residuals would be 3% higher.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi cvpacguy. The numbers that you were quoted for this car are actually right on the money. The money factor that you were quoted assumes that you want to have your car's security deposit waived. If you don't mind paying a security deposit at lease signing that is equivalent to your car's monthly payment rounded up to the nearest $25 increment (you will get this money back at lease-end if your car is in good shape and not over your mileage allowance), this car's factor would be .00015 lower.

    OK, I just did some checking and apparently Audi is waiving its security deposit requirement for this car in April. That means that its base factor would indeed be .00015 lower. Make sure to insist that the dealer you are working with waives this car's security deposit at no additional charge.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey mkrez. At lease signing, Audi Financial Services requires lessees to pay their vehicle's first month's payment, a security deposit equivalent to that payment rounded up to the nearest $25 increment (though I believe that it is waiving its security deposit requirement on this car right now), its $575 acquisition fee, and any required state taxes or fees.

    The money factor that you were quoted for this car is right in line with AFS buy rate for it right now. I don't know when I mentioned the higher factor that you are referring to, but Audi publishes a new lease program every month. Perhaps the one that you looked at is expired.

    I believe that I remember hearing that Massachusetts charges sales tax on vehicles' entire lease payments, but I am not intimately familiar with your state's taxation policy. You may want to check out the following sites to see if they have is any additional information on this subject: Massachusetts Registry of Motor Vehicles or Mass Department of Revenue.

    Don't let the fact that you are getting a good deal on this car scare you. You would really need to be scared if the dealer you are working with was trying to charge you full MSRP for it :surprise:.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're very welcome, bimmer12.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello qyl. If you were to lease a 2006 Audi A4 2.0T quattro Sedan through Audi Financial Services right now for 24 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00043 and 65%, respectively.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Welcome playc3. You never mentioned the selling price of the car that you are interested in leasing. This is an important number for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing the price of the car that you want to lease you don't know how good a price you are getting it for. The second reason is that one needs the selling price of a vehicle that they want to lease is that it is necessary to calculate its lease payment. I would be more than happy to give you my opinion of this deal if you let me know what this car's selling price is.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Greetings packyb. Let me begin by saying that you definitely do not want to make a $4,000 down payment on this lease. I always advise consumers against making any sort of down payment when leasing. I do so for two main reasons. The first is if your vehicle is totaled in an accident or stolen during your lease, your down payment essentially disappears. The second main reason is that down payments on leased vehicles do nothing to reduce their lease-end purchase prices. So your lease-end purchase option price for your A4 would be exactly the same, regardless of whether you had put $4,000 down, or had made absolutely no down payment at all.

    In your post, you mentioned that the Cabrio that you are considering leasing has a retail price of $43,160. By this I assume that you mean that this is its MSRP. If so, You never mentioned the selling price of the car that you are interested in leasing. This is an important number for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing the price of the car that you want to lease you don't know how good a price you are getting it for. The second reason is that one needs the selling price of a vehicle that they want to lease is that it is necessary to calculate its lease payment. I would be more than happy to give you my opinion of this deal if you let me know what its selling price is.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi studlee. A base 2006 Audi A4 2.0T Sedan with quattro has a spread of You are being quoted a discount of $2,225 between its full MSRP and dealer invoice prices. You were quoted a discount of $1,285 on the specific car that you are considering. Given the fact that you are looking at a fairly loaded car, if you are in an area where there is a decent level of competition I would not be surprised if you were able to negotiate a lower selling price. For additional feedback on how much you should pay for this car right now, try stopping by the following discussion: "Audi A4: Prices Paid & Buying Experience".

    Another problem that I have with this deal is the money factor that you were quoted is too high. Audi Financial Services' current buy rate lease money factor and residual value for a 36 month, 15,000 mile per year lease of this car are .00043 and 54%. It looks as though the dealer that you are working with is attempting to mark your car's money factor up to add additional back-end profit to your deal. Make sure to insist that they use the buy rate to calculate your car's money factor.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey kevhollywood. According to the latest information that I have seen, if you were to lease a 2006 Audi A4 2.0 FrontTrak Sedan through Audi Financial Services right now for 24 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00038 and 64%, respectively. The numbers for an otherwise identical 36 month lease should be .00038 and 53%.

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  • qylqyl Member Posts: 7
    Thanks Car_Man. Unfortunately, I just leased an Audi A4 2.0T Quattro sedan and got robbed. The MF I got is 0.00064, Residual value is 0.65%. They promised $35,200 on a MSRP of $36,985. Then they changed it to $36,284 saying they have to add the down payment of $1,084 back to the price. Anyway, very bad experience. It is Leith Audi at Raleigh NC.

    qyl
  • marleyflynnmarleyflynn Member Posts: 8
    Car Man- Is this a good deal ?

    I am considering a 36 month/ 12k per year lease on an 06 A4 3.2 Quattro.

    The details are as follows:
    MSRP: 41,510
    Invoice: 38,454
    Negotiated Price: 40,000
    Residual: 54%
    MF: .00055

    No down payment or security deposit and 525 bank fee and 1st payment of 550 (total walk off of 1,246 after title and fees).

    Monthly payment works out to 549 (including state tax).

    Is this a good deal or should the MF be lower due to the waiver of the security deposit ?

    Thanks for you help/ comments
  • ethan2kethan2k Member Posts: 3
    I am newbie looking to lease A4. The local dealer in NJ offered me following:
    A4 Quattro w/Premium,cold weather and sunroof w/tiptronic.
    36 months/No down payment. 10,000 miles per year
    Lease end purchase $20,400
    Monthly payment $425.00 (plus tax) incl. all fees.

    Is this a good deal? What's the MF?

    Also I am planning to move to NY in one month. Is it better to pay all taxes up front in NJ?

    Thank you....
  • jvprjvpr Member Posts: 48
    do you know what your beacon score is? you would need a solid beacon to get this payment...
  • jvprjvpr Member Posts: 48
    whats your beacon score?
  • ethan2kethan2k Member Posts: 3
    Around 750
  • ocquattroocquattro Member Posts: 1
    A few months back I ordered a fully loaded (except a few small things) A4 2.0T 6MT Quattro, which should be at the dealer the first week or so of May. When I ordered I was given the option of using either April or May's lease numbers, so I want to make sure that I have April's numbers correct. As I understand it the current residual and money factor for a 36mo/15K mi lease are 54% and .00043 respectively. A few posts back I read that Audi waived their security deposit requirement, which should lower the money factor .00015, making the money factor for my lease .00028. Do these numbers sound right, and am I understanding the security deposit issue correctly?
  • ryanrushtonryanrushton Member Posts: 2
    I recently moved to the US from Canada and thus had to start building my credit score all over again. My record is flawless, but because it's only 6 months long my score is only 695 with Equifax and 725 with Experian. Does Audi use TransUnion, Equifax or Experian for checking scores?

    Are these scores good enough to qualify for lease specials advertised by Audi for "well qualified buyers"?
  • rjlaerorjlaero Member Posts: 659
    Audi exclusively uses Equifax to my knowledge.

    A 695 Equifax beacon is a pretty high score and you should have a good chance with Audi financial services.

    But your "high credit" is also very important. You can have a 725 beacon score, but if all you have is 1 or 2 credit cards with a small $1000 limit and no car loan history, you still may not get a car loan.

    It's places like mortgage companies that usually average all 3 scores.
  • ryanrushtonryanrushton Member Posts: 2
    Thanks rjlaero. It's good to know my score is okay. My credit card limit is significantly higher than $1000, but I do have only one card at present. I guess we'll see what happens when I go to Audi!
  • jisjis Member Posts: 4
    I was offered the following on a A4 2.0T with sunroof, premium package, and walnut trim -- MSRP $34,560.

    36 month term
    MF - .00058
    Residual - 19,008 (55%)
    Mileage - 12,000
    Negotiated Price - $33,675
    First months payment w/no security deposit at signing plus acquisition fee and taxes - all told comes to $2,226 but this includes the 7% state tax.

    This is basically the national advertised deal, but adjusted for the premium package addition. Should I do it?
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    I'm sorry to hear that you didn't get a great deal on your new car, qyl. Don't let it run the fun of driving a cool new car. Just chalk it up as a learning experience and do better next time. Enjoy your new ride!

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  • franciefrancie Member Posts: 4
    Does anyone know what the current money factor is for an A4 2.0 quattro?

    I have been quoted .00070 and a price of 34,315 for an A4 with sunroof, premium package and the 17 inch 16 spoke wheels. I'm not sure I am sold on the deal. Comments welcome.
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi marleyflynn. The lease money factor that you were quoted for this car is right in line with Audi Financial Services' current base program for it. The selling price that you were quoted looks reasonable, but if you are in an area with a decent level of competition you might be able to beat it. Make sure to stop by the following discussion to see how much other community members have paid for similar cars recently: "Audi A4: Prices Paid & Buying Experience".

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Welcome ethan2k. You never mentioned the selling price or MSRP of the car that you are interested in leasing. These are important numbers for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing this car's selling price in relation to its MSRP you don't know how much of a discount you are getting on it. The second reason is that one needs the selling price and MSRP, including the destination charge, of a vehicle to calculate its lease payment. I would be more than happy to work up a sample lease payment on the car that you are interested in for you if you let me know what these numbers are.

    As far as this car's current lease program goes, if you were to lease a 2006 Audi A4 2.0T Sedan with quattro through Audi Financial Services right now for 36 months with 10,000 miles per year, its buy rate lease money factor and residual value should be .00043 and 57%, respectively.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi jis. The car that you described has a spread of a little less than $2,500 between its full MSRP and dealer invoice price. You are only being given a discount of $885. If you are in an area that has a decent level of competition, I would not be surprised if you were able to negotiate a larger discount than this. Make sure to stop by the following discussion to see how much other community members have paid for similar cars lately: "Audi A4: Prices Paid & Buying Experience".

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi francie. Audi Financial Services' current buy rate lease money factor for a 36 month lease of a 2006 A4 2.0T Sedan with quattro is .00043. As you can see, the factor that you were quoted is a little high. I suspect that the dealer you are working with may be trying to mark your car's factor up to add additional back-end profit to your deal. Make sure to insist that they use the buy rate to calculate your car's lease payment.

    Car_man
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  • 5510xi5510xi Member Posts: 3
    Would like your opinion on this deal, please.

    2.0T CVT, Quartz Gray, Sunroof Pkg, Walnut Wood Trim, 36mo/10K
    MSRP $32,435
    DEAL $31,500 (TMV average for this area is $31,951)
    Payment $389.33 plus tax

    MF .00038, 56% residual, no down payment or security dep

    Due at signing:
    416.58 1st month's payment incl tax
    72.90 Sales tax upfront
    168.51 1st yr license fees
    399.00 dealer fees
    575.00 acquisition fee
    1631.99 Total

    Thanks / 5510xi
  • studleestudlee Member Posts: 6
    this lease is right on target with all calculations...i think there is still more room for neg on the final price if there is competition in your area...if not 1000 over invoice is not bad.

    Would like your opinion on this deal, please.

    2.0T CVT, Quartz Gray, Sunroof Pkg, Walnut Wood Trim, 36mo/10K
    MSRP $32,435
    DEAL $31,500 (TMV average for this area is $31,951)
    Payment $389.33 plus tax

    MF .00038, 56% residual, no down payment or security dep

    Due at signing:
    416.58 1st month's payment incl tax
    72.90 Sales tax upfront
    168.51 1st yr license fees
    399.00 dealer fees
    575.00 acquisition fee
    1631.99 Total

    Thanks / 5510xi
  • studleestudlee Member Posts: 6
    A4 2.0T SEDAN 4-DR 6-SPD QUATTRO
    DOLPHIN GRAY METALLIC
    EBONY
    AUDI DVD NAVIGATION SYSTEM
    TECHNOLOGY PKG / BLUETOOTH
    SUNROOF PACKAGE
    PREMIUM PACKAGE
    S-LINE PACKAGE - PERFORMANCE TIRES

    MSRP 41,785
    Neg price 39,765

    Zero down and zero drive off

    $595.70

    36 month
    15k /yr
    mf 0.00043
    residule 54%

    Feedback would be nice
  • fourizonly007fourizonly007 Member Posts: 38
    I'm thinking about getting the A4 2.0 CVT special offer lease for my wife. Is this pretty much non-negotiable from the dealer? Thanks for the help.

    2006 A4 2.0 T CVT Sedan
    $349 per month
    36-month lease*
    Down payment $999
    Refundable security deposit N/A
    Acquisition fee $575
    First month's payment $349
    Amount due at lease inception $1,923
  • socal79socal79 Member Posts: 4
    I was told by a dealer in So Cal that the money factor you are given is dependent on your credit rating, is this true? I was steadfast in wanting the buy rate but they were unwilling to bargain with me. My fico score is 730 and my beacon score is 685. I was also told I will need a co-signer since I have never purchased a vehicle before, my present car was bought by my parents. If this is true is there any way to get around having a co-signer?
  • evoicevoic Member Posts: 22
    I am coming to the end of a 3yr lease on an 03' 330i in 2 months. I need to take a little off of my monthly payment ($470) because my wife upgraded from a car with a $265 mthly to a car with a $345 mthly. Our goal is to try to keep both payments in the same range as they were previously, which means I need to knock at least $50-$70 off of my current $470 payment when I go to get a new car. In this range, a new BMW is out of the question for me, and I've always liked what Audi has to offer.

    Here's my question.

    I'm interested in the A4 Quattro 2.0 with tiptronic.
    If my credit is approx 700-710 on the FICO and I'm only looking to put $1k out of pocket, what kind of wiggle room do I have to add options from a base model for the current A4 lease program?? I'm most interested in a sport package that offers better handling (to take the sting out of losing what I'm used to with my BMW) but I believe you have to also have the premium package on the car which may push it out of my budget.
    I live in CA with tax at 7.75% and I would like a 36 or 39 month lease with at least 12k miles.
    I'm not sure if Audi is still waiving the security deposits on their new leases, but every penny is going to count to try to hit my number. Can any one offer some info to help me get started with understanding what my options are? I'll do my best to reply quickly if you need additional information.
  • danielle22279danielle22279 Member Posts: 10
    Hello - I am new to this site, but am looking to lease a new Audi in NJ. I was quoted on a 2006 Audi A4 Quattro with tiptronics, premium package, and sunroof package, brilliant black with ebony leather. I currently have a Honda Accord Ex that I am turning in shortly. Audi will work in my payments left of 289, to be $24 additional a month for 36 months(the length of the lease) They quoted me with that inmind and tax a cost of $430 for 12k with 2000 down, or $455 for 15k with 2000 down. The 2000 is all my fees and then a little extra. Is this a good deal? The MSRP is $35510, and the residual rate is 54%. I am debating on waiting another month or two as then I can eliminate the current car payment in the lease amount bringing it to $405 or $430 depending on 12k/15k respectively. Another Audi dealership that I called to see if they could beat that price told me to go with the dealer I was working with as they couldn;t beat the price. Could they just be working together to get me to buy? May seem silly but figured I would ask. Another concern rises that will I still be able to get the same offer then? Will I be in a better position to possibly get a better deal due to being another month closer to the 07's coming out?? Any and all help appreciated!!! :)
  • hmwalpolehmwalpole Member Posts: 1
    Hello,

    I am hoping you'll be able to tell me if this is a good deal or not.

    2006 A4 2.0 T CVT Sedan
    Quartz Gray
    Audio Package
    Sunroof Package
    Premium Package

    When I first went ot to the dealership, I aksed them (and they wrote it down - I have it here w/me) that I wanted a 36 month lease w/15,000 miles and wondered what the moeny factor and RES would be. The finance manager came back w/.00138 and 53% RES.

    The MSRP $34,885 (+ $1127 for a wax job compliments of the dealer - I told them I'd pass on that). The invoice on the car is $27,215 and invoice for the audio is $910, sunroof is $1274, and premium is $1684. We started out at $34,000, wnet to 33810 but I was able to neg. the selling price of the car to $31836.

    Here's my problem...what I thought was going to be a lease for 36 months on a 2.0 for $31836 for 15K was (oops!) not really for 15K miles but for 10K miles. The finance maanger cambe back to me and said that. My payments would now be $497.41 w/no money down and no security deposit.

    Is this a good deal? ANd is it normal to have them drop the mileage like that?

    THank you!!

    $349 per month
    36-month lease*
    Down payment $999
    Refundable security deposit N/A
    Acquisition fee $575
    First month's payment $349
    Amount due at lease inception $1,923
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello 5510xi. I believe that the car that you described has a spread of around $2,300 between its full MSRP and dealer invoice prices. You are being given a discount of $935 on it, which isn't great. If you are in an area where there is a decent level of competition, I would not be surprised if you were able to beat this deal by shopping around. For additional feedback on A4 pricing, make sure to stop by the following discussion: "Audi A4: Prices Paid & Buying Experience".

    The money factor that you were quoted for this car is right on the money though. This is always a good thing because it means that the dealer you are working with is not trying to mark your car's money factor up to add additional back-end profit to your deal.

    Using the numbers that you provided in your post, an MSRP of $32,435 and a selling price of $31,500, I estimate that this car's 36 month, 10,000 mile per year, zero down, pre-tax monthly payment should be exactly the $389.33 that you were quoted. This also is a good sign.

    The bottom line is that it looks like this dealer is being very straightforward with you, just try to get them to lower the selling price a little bit.

    Car_man
    Host
    Smart Shopper / Prices Paid Forums
  • danielle22279danielle22279 Member Posts: 10
    Hello - I am new to this site, but am looking to lease a new Audi in NJ. I was quoted on a 2006 Audi A4 Quattro with tiptronics, premium package, and sunroof package, brilliant black with ebony leather. I currently have a Honda Accord Ex that I am turning in shortly. Audi will work in my payments left of 289, to be $24 additional a month for 36 months(the length of the lease) They quoted me with that inmind and tax a cost of $430 for 12k with 2000 down, or $455 for 15k with 2000 down. The 2000 is all my fees and then a little extra. Is this a good deal? The MSRP is $35510, and the residual rate is 54%. I am debating on waiting another month or two as then I can eliminate the current car payment in the lease amount bringing it to $405 or $430 depending on 12k/15k respectively. Another Audi dealership that I called to see if they could beat that price told me to go with the dealer I was working with as they couldn;t beat the price. Could they just be working together to get me to buy? May seem silly but figured I would ask. Another concern rises that will I still be able to get the same offer then? Will I be in a better position to possibly get a better deal due to being another month closer to the 07's coming out?? Any and all help appreciated!!!
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi fourizonly007. The selling prices of leased vehicles are always negotiable. While most manufacturers' advertised lease payments usually include some sort of discount, they also usually leave a little meat on the bone so to speak. This makes sense because if an automaker advertised the skinniest possible deal on a vehicle, its dealers would not be very pleased. If you are in an area where there is a decent level of competition, I doubt that you will have much trouble negotiating a selling price that is lower than the one this lease is based upon.

    Car_man
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    Smart Shopper / Prices Paid Forums
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi socal79. While many banks' lease money factors do vary by credit tier, I believe that Audi Financial Services uses more of a pass / fail system with leases. Either you qualify for its special lease money factors for a vehicle or you don't. Your lack of credit history might hurt your chances of getting approved to lease an Audi, but if your income is good enough and your credit scores are high enough I suspect that you would be approved to lease through Audi Financial Services at its best rates. Of course, it is difficult for me to say for certain whether AFS will approve you or not. Did you actually submit a credit application, or is this just what a dealer told you? They may be trying to weed out someone who they do not believe is a serious buyer or trying to set you up for a big markup on your interest rate.

    Car_man
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    Smart Shopper / Prices Paid Forums
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello evoic. The more options you add to a vehicle, the higher its price will be and ultimately the higher its lease payment will be. Having said this, most manufacturers' advertised lease payments leave a little meat on the bone to to speak. If you are able to negotiate a lower selling price than the one that Audi used to arrive at its current advertised lease payment, it would make up for some or all of the cost of the additional options that you are interested in. I would be happy to use Audi's actual current lease program to estimate what your payment will be on the car that you are considering leasing if you provide me with its full MSRP and an approximate selling price.

    Car_man
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    Smart Shopper / Prices Paid Forums
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Welcome danielle22279. You never mentioned the selling price of the car that you are interested in leasing. This is an important number for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing the price of the car that you want to lease you don't know how good a price you are getting it for. The second reason is that one needs the selling price of a vehicle that they want to lease is that it is necessary to calculate its lease payment. I would be more than happy to give you my opinion of the deal that you were quoted if you let me know what its selling price is.

    Car_man
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    Smart Shopper / Prices Paid Forums
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi hmwalpole. This definitely is not a good deal. Audi Financial Services' current buy rate lease money factor for a 36 month lease of a 2006 A4 2.0T Sedan without quattro is only .00038. It sounds like the dealer that you are working with is trying to mark your car's money factor up to add additional back-end profit to your deal. Make sure to insist that they use the buy rate to calculate your car's payment. Since you are getting over a $3,000 discount on this car, it's selling price looks good. Get them to give you this price and the buy rate and you'll have a heck of a deal.

    Car_man
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    Smart Shopper / Prices Paid Forums
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