2014 Buick Enclave Lease Questions

hangdog1 · June 2014

Stupid question - when calculating the residual, is that off of MSRP or off of final negotiated price?

Michaell · June 2014

@hangdog1 said:
Stupid question - when calculating the residual, is that off of MSRP or off of final negotiated price?

No such thing as a dumb question - the residual is a percentage of the MSRP, or sticker price. When you negotiate a great selling price, that lowers your monthly lease payment because the depreciation is calculated as the difference between the selling price and the residual value.

If you save $2000 on your selling price, that decreases your payment on a 36 month lease by $55/mo.

hangdog1 · June 2014

Thanks! So, here's the deal I got. 2014 Premium AWD, 39 month, 15k miles/year. MSRP $53,315. Negotiated price $50,596 (got a little more shaved off of that to lower monthly payment $15/mo). Residual $29,323. Cash due at signing $1600 (first month payment of $585 plus title, registration and taxes on some rebates). Got $1800 consumer cash value and $1000 Conquest rebate.

How did I do?

Michaell · June 2014

@hangdog1 said:
Thanks! So, here's the deal I got. 2014 Premium AWD, 39 month, 15k miles/year. MSRP $53,315. Negotiated price $50,596 (got a little more shaved off of that to lower monthly payment $15/mo). Residual $29,323. Cash due at signing $1600 (first month payment of $585 plus title, registration and taxes on some rebates). Got $1800 consumer cash value and $1000 Conquest rebate.

How did I do?

Pretty good deal. Enjoy!

hangdog1 · June 2014

@Michaell said:
Pretty good deal. Enjoy!

Thanks! Meant to add, that monthly lease price is inclusive of taxes. We get whacked here in CT with 7% tax.

Michaell · June 2014

@hangdog1 said:
Thanks! Meant to add, that monthly lease price is inclusive of taxes. We get whacked here in CT with 7% tax.

Only 7%? I'm paying 7.9% on my lease here in Colorado.

bcady · July 2014

Can you please provide current numbers for a 2014 Premium Enclave FWD? Looking at a 39mo/10k miles lease. Trying to decide whether to buy or lease. Negotiated a good selling price, but the lease numbers I was provided seem high. Thanks!! (If it matters, Texas, 6.25% tax)

kyfdx · July 2014

Sorry, but we don't have the new July numbers for GM, yet.. Hopefully, early in the week.

shiggins4 · July 2014

Looking for July numbers 2014 Premium AWD, 39 month, 18k miles/year

Michaell · July 2014

@shiggins4 said:
Looking for July numbers 2014 Premium AWD, 39 month, 18k miles/year

1.35% MF and either 53% or 56% for 39/15. Not sure how GM adjusts the residual for leases with more miles than that.

andocpa · July 2014

First time leasing a car (usually finance) so forgive if questions are a little basic. Looking at a 2014 Buick Enclave AWD Leather Group in NJ. Had a few other options that drove MSRP to $50,000. Edmunds gave a purchase price of $47,500. At that price for a 39 month lease at 10,000 miles, what would the lease payment be? Thanks for the help.

Michaell · July 2014

@andocpa said:
First time leasing a car (usually finance) so forgive if questions are a little basic. Looking at a 2014 Buick Enclave AWD Leather Group in NJ. Had a few other options that drove MSRP to $50,000. Edmunds gave a purchase price of $47,500. At that price for a 39 month lease at 10,000 miles, what would the lease payment be? Thanks for the help.

MF is 1.70% and the 39/10 RV is either 62% or 59%.. I get a pre-tax payment of $516.21 using your MSRP and selling price and the 59% RV.

andocpa · July 2014

@Michaell said:
MF is 1.70% and the 39/10 RV is either 62% or 59%.. I get a pre-tax payment of $516.21 using your MSRP and selling price and the 59% RV.

Thanks Appreciate the help

andocpa · July 2014

Got an updated offer. MSRP is $49,980. Cap cost is $43,679. Quoted money factor is 0.004 and quoated RV is 56%. Payment is $499. Based on the above it seems that the money factor is high and the residual is low. Does this seem like a good offer?

Michaell · July 2014

@andocpa said:
Got an updated offer. MSRP is $49,980. Cap cost is $43,679. Quoted money factor is 0.004 and quoated RV is 56%. Payment is $499. Based on the above it seems that the money factor is high and the residual is low. Does this seem like a good offer?

Is this still for 39/10?

You might want to check with the dealer to see if this is an Ally lease ... GM dealers can use multiple leasing sources. We only have the numbers from Ally.

andocpa · July 2014

Yes still for 39/10. I asked to see if they could do better as I thought MF has high and RV was low. Also asked if credit score would make a difference as my score is around 800, might be quoting a higher rate based on that.

Michaell · July 2014

@andocpa said:
Yes still for 39/10. I asked to see if they could do better as I thought MF has high and RV was low. Also asked if credit score would make a difference as my score is around 800, might be quoting a higher rate based on that.

RV is fixed by finance company and cannot be modified by dealer. The MF can be inflated for additional dealer profit or for credit scores that are less than tier 1.

cbeckermanosu1 · July 2014

Hi new to this forum! Looking to lease a 2014 AWD Enclave- Leather Package with NAV and sunroof (39 month lease). Can someone please let me know the MF and Residual? Thanks!

cbeckermanosu1 · July 2014

@cbeckermanosu1 said:
Hi new to this forum! Looking to lease a 2014 AWD Enclave- Leather Package with NAV and sunroof (39 month lease). Can someone please let me know the MF and Residual? Thanks!

12K miles

Michaell · July 2014

@cbeckermanosu1 said:
Hi new to this forum! Looking to lease a 2014 AWD Enclave- Leather Package with NAV and sunroof (39 month lease). Can someone please let me know the MF and Residual? Thanks!

39/12 numbers for 2014 Enclave are 1.35% MF and either 58% (1SD) or 55% (1SL or 1SN) residual . $1300 lease cash.

mtsocean · July 2014

hi, im new to leasing. this is what i am being offered on an AWD enclave premium with a sticker of $51985. 39mo/12k. $1587 due up front, 1st payment, doc, acq fee, reg. $530 per month with taxes included. Is this a good deal?

Michaell · July 2014

@mtsocean said:
hi, im new to leasing. this is what i am being offered on an AWD enclave premium with a sticker of $51985. 39mo/12k. $1587 due up front, 1st payment, doc, acq fee, reg. $530 per month with taxes included. Is this a good deal?

What is the negotiated selling price?

mtsocean · August 2014

$47000

Michaell · August 2014

@mtsocean said:
hi, im new to leasing. this is what i am being offered on an AWD enclave premium with a sticker of $51985, selling price $47000. 39mo/12k. $1587 due up front, 1st payment, doc, acq fee, reg. $530 per month with taxes included. Is this a good deal?

There are two residuals for the Enclave this month - 58% or 55%. Pre-tax payment is either $475.22 or $514.34, so your offer of $530 with tax seems right in line.

40yearfan · August 2014

Michael, looking for residual and money factor for 2014 Enclave Premium FWD on 39 month lease.

40yearfan · August 2014

@40yearfan said:
Michael, looking for residual and money factor for 2014 Enclave Premium FWD on 39 month lease.

I don't know if it makes any difference, but I am in Arizona.

Michaell · August 2014

@40yearfan said:
Michael, looking for residual and money factor for 2014 Enclave Premium FWD on 39 month lease. In Arizona.

How many miles per year are you looking for?

40yearfan · August 2014

@Michaell said:

12,000 miles per year

kyfdx · August 2014

@40yearfan said:
Michael, looking for residual and money factor for 2014 Enclave Premium FWD on 39 month lease.

12,000 miles per year

1.35% APR and either 58% or 55% residual, depending on packages. $1300 lease cash.

40yearfan · August 2014

Thanks kyfdx. I checked with a dealer today and he showed me where it was 55% from Ally. Question: On the $1,300 lease cash? On a $48,325 MSRP, they are showing a cap cost of $44,500. Do you think that would include that lease cash?

kyfdx · August 2014

@40yearfan said:
Thanks kyfdx. I checked with a dealer today and he showed me where it was 55% from Ally. Question: On the $1,300 lease cash? On a $48,325 MSRP, they are showing a cap cost of $44,500. Do you think that would include that lease cash?

The only way to know is to ask them... Most dealers will include all incentives in the price, so they can quote as low as possible.

dlebl2 · August 2014

I am being offered a 36 month lease, 12,000mi/yr, MSRP $45,675 with quoted cap cost of $40,200, RV 57%, MF 1.65%. Payments of $406 with $4K down. Is this a fair deal?

Michaell · August 2014

@dlebl2 said:
I am being offered a 36 month lease, 12,000mi/yr, MSRP $45,675 with quoted cap cost of $40,200, RV 57%, MF 1.65%. Payments of $406 with $4K down. Is this a fair deal?

We don't recommend putting any money down on a lease ... if the vehicle is stolen or totaled, you are out that money.

Base MF is 1.35% and RV is 57% for 36/12, so your dealer is marking up the MF on you. There is also $1300 lease cash this month that you can use to reduce the cap cost.

With your MSRP and cap cost with the above numbers (and $0 down), I get a pre-tax payment of $430.57. If I factor in the $4K down (new cap cost of $36,200) the pre-tax payment drops to $317.22.

booboo89 · August 2014

49,815 MSRP on leather package (selling price 47,634), but adj. cap cost is 48,838 including Maryland tax (which is charged on entire sales price), all fees, & rebates. 55 residual, 1.35 MF, 39 term, 625/month. This is my 1st time leasing and 625/mth seems to still be pretty high. Is this is good deal or does it have wiggle room?

booboo89 · August 2014

and no add'l $ down then the 1st mth payment of 625...

Michaell · August 2014

@booboo89 said:
49,815 MSRP on leather package (selling price 47,634), but adj. cap cost is 48,838 including Maryland tax (which is charged on entire sales price), all fees, & rebates. 55 residual, 1.35 MF, 39 term, 625/month. This is my 1st time leasing and 625/mth seems to still be pretty high. Is this is good deal or does it have wiggle room?

With your numbers, I get a payment of $592.43/mo. Time for the dealer to sharpen their pencil!

Tax on the entire selling price really hurts.

40yearfan · August 2014

Buick Premium FWD - 36 month - 12,000 miles - Arizona - MSRP $48,325 - looking for money factor. In talking to the dealer, he said US Bank had the best terms right now, but their rate is 2.18% and I noticed you keep showing 1.35%. Is this for US Bank as well as Ally?

kyfdx · August 2014

@40yearfan said:
Buick Premium FWD - 36 month - 12,000 miles - Arizona - MSRP $48,325 - looking for money factor. In talking to the dealer, he said US Bank had the best terms right now, but their rate is 2.18% and I noticed you keep showing 1.35%. Is this for US Bank as well as Ally?

We don't have the USBank numbers. The numbers we give are for Ally, only. The USBank residual could be higher, and that may be making that payment lower. USBank is usually very competitive with rates on GM models.

If the USBank lease gives you a lower payment through higher residuals, then that is the way to go, assuming you aren't planning on purchasing the car at lease end.

ashwen · September 2014

Can someone post RV and MF for a 2014 FWD Buick Enclave Leather for a 36mo/36k lease and also for a 39mo/39k lease? TIA

kyfdx · September 2014

@ashwen said:
Can someone post RV and MF for a 2014 FWD Buick Enclave Leather for a 36mo/36k lease and also for a 39mo/39k lease? TIA

1.35% APR and 56% residual for 36mo, 12K/yr. 54% residual for 39 months.

$1500 lease cash.

ashwen · September 2014

Thanks kyfdx.

@kyfdx said:
$1500 lease cash.

tlarsons · September 2014

I am looking to get out of my current enclave lease and trade up to a newer model. I am currently paying 625 a month for my 2012 model and have 3 months left on the least. They will write me a check for the last 3 months of the lease and if I choose a 2014 enclave, I would pay 549 a month with only 1st month and dmv at signing. This monthly number has taxes rolled into it. This price is for the Enclave Leather group Forward collision alert and Lane Departure Warning and navigation. No sun roof.

Is this a fair price?

Thanks in advance.

tlarsons · September 2014

I forgot to mention this is a 39 month lease at 12k miles per year. Thanks

kyfdx · September 2014

tlarsons said:
I am looking to get out of my current enclave lease and trade up to a newer model. I am currently paying 625 a month for my 2012 model and have 3 months left on the least. They will write me a check for the last 3 months of the lease and if I choose a 2014 enclave, I would pay 549 a month with only 1st month and dmv at signing. This monthly number has taxes rolled into it. This price is for the Enclave Leather group Forward collision alert and Lane Departure Warning and navigation. No sun roof.

Is this a fair price?

Thanks in advance.

The only thing that would worry me.. is they are writing you a check to cover your last 3 payments, not taking your car in trade? Wouldn't that still leave you on the hook for any lease end charges and insurance on your current vehicle, until the lease is up?

tlarsons · September 2014

The insurance I assume i could just terminate on that car and would get a prorated refund. Lease end charges I need to look into. Thanks for pointing that out.

pjmbrennan · September 2014

I am new to the lease game. I want to lease a 2014 Buick Enclave, leather group, AWD. I need a 39mo/32.5k miles. It looks like the MSRP is around $47.5k. The quote I am getting from the local dealer are approximatley $1,500 down and $450/mo. what do you think? Thank you in advance for your guidance.

Michaell · September 2014

pjmbrennan said:
I am new to the lease game. I want to lease a 2014 Buick Enclave, leather group, AWD. I need a 39mo/32.5k miles. It looks like the MSRP is around $47.5k. The quote I am getting from the local dealer are approximatley $1,500 down and $450/mo. what do you think? Thank you in advance for your guidance.

1.35% MF and 55% for 39mo/10K per year lease. $1500 lease cash.

What is the negotiated selling price?

sirfatalot · September 2014

What are rv and MF for 2014 buick enclave premium 36 mo/ 15kyr? 39 mo 15 k yr? Any lease cash available?
Same scenario for the 2015.

Michaell · September 2014

sirfatalot said:
What are rv and MF for 2014 buick enclave premium 36 mo/ 15kyr? 39 mo 15 k yr? Any lease cash available?
Same scenario for the 2015.

2015:

36/15 - 1.55% and 58%. $350 lease cash. Subtract 2% for 39 months

2014:

36/15 - 1.35% and 54%.$1500 lease cash. Subtract 2% for 39 months

jeffloo · October 2014

Hi, can I get the MF and RV on a 2014 Enclave FWD Premium. MSRP is $53,120. I also would need any eligible incentives. Thanks!

2014 Buick Enclave Lease Questions

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