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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi pipo. BMW's lease program on the 2004 X3 is more attractive in July than it was in June. Since you are physically taking delivery of this vehicle this month, you should be able to have your lease payment on it calculated using the new July program. You can certainly try to renegotiate the selling price of the X3 that you ordered, but don't be surprised if your dealer tries to hold you to the price that you have already agreed to pay. They have a lot more leverage over you if you have provided them with some sort of down payment.

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  • scott31scott31 Member Posts: 292
    I've been checking up on this discussion from time to time. I used Edmunds for info in acquiring my last 2 cars. My current car (2003 Acura 3.2TL Type S w/Nav) comes off of lease in Oct '05. I'll start my usual car buying process early next year.

    I'm curious. Where do you get all your leasing info? Is it some public forum that John Q. Public can also check so I don't have to "harass" you with #'s on all the cars I'm interested in (the list is over 10 at this time).

    If not, would it be possible to put this information somewhere on edmunds.com (like the rebates and incentives)?

    When I start my looking for my next car, it would make it easier if I could just look the info up on a table rather than posting and posting and bothering you during the whole 9-10 month process.

    Thanks again for your information. It's amazing how often dealers try to built in profit by adding to the money factor and such. So nice to be completely informed before walking in the door.
  • kyfdxkyfdx Moderator Posts: 264,504
    Really.. you will take a bath if you try to trade the car in now. Since it is under warranty for 3 more years, I would just keep it until it is nearly paid off.

    Don't think that you are wasting money on an expensive car. I know you want to pay off your CCs, but in reality, by keeping the car and making the payments, you are paying off that $4K you rolled into this loan over the next three years.. That is $100/month you are paying to get rid of debt from another bad car decision. It almost never pays to trade cars to save money.. The transaction costs always eat up whatever you are saving. In this instance, I think its better to "stay the course" and watch your other variable expenses. In three years, you should have a car worth $6K-$8K to trade in for another new, more frugal model with lower payments. In the meantime, you get to drive a very nice car.

    regards,
    kyfdx

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  • tierramomtierramom Member Posts: 15
    Hi,
    I'm just ending my lease on a 2001 Jeep Grand Cherokee Laredo. I did the research and it looks like the vehicle is worth at least $2000 more than my buyout on it if I were to sell it on my own. I don't want another Jeep and I'm about to lease a new car, but won't I be handing the dealership and extra $2K or more in cash if I just return it?

    If selling it myself is a good answer, how do I go about doing this? How do you sell a car when you don't hold the title on it? I have only ever sold a car that I've had the pink slip on.

    Thanks for your help.
    Melissa
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're very welcome, postce. Let's work up a sample lease payment that does not include any sort of down payment on the van that you are interested in. According to my calculations, if you were to lease a 2004 Honda Odyssey without navigation, the rear entertainment system, or leather (MSRP: $28,230 / Capitalized Cost: $25,448) through American Honda Finance Corp. in any state but New York this month for 2 years with 12,000 miles per, your zero down, pre-tax monthly payment should be right around $301. At lease signing, you would have to pay this van's first month's payment of $301, a security deposit of that payment rounded up to the nearest $50 increment, or $350, and AHFC's lease acquisition fee of $595 for a total of around $1,246.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi londondan. You sure are quite the Lexus fan aren't you :)? Unfortunately, Lexus is not providing any sort of lease support at this time on either of the models that you are interested in. So, if you were to lease them through Lexus Financial Services, you would have to use its standard lease program. I believe that its base standard lease money factor is currently .00205 for any length lease. This may vary slightly depending upon what part of the country you are in though. LFS' 36 and 39 month, 15,000 miles per year residual values for the 2004 GX 470 with navigation, but without the rear entertainment system are 53% and 50%, respectively. Its residuals for the 2004 LS 430 with navigation are 52% and 49%. If you were to lease these vehicles with only 12,000 miles per year, their residual values would be 2% higher. The last that I heard, LFS' base lease acquisition fee was $600 in every state but New York.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Welcome tuncer. Toyota's incentives programs vary, depending upon which one of its 12 regions you are in. I do not believe that it is providing any sort of lease support on the 2004 RAV4 in any of its regions this month. I just worked up a sample lease payment on a 3 year, 12,000 miles per lease of the 2004 RAV4 4WD that you described in your post using Toyota Financial Services' standard lease program. According to my calculations, I believe that this vehicle should have a zero down, pre-tax lease payment of right around $285. So, if the payment that you were quoted by the dealer you are working with includes tax it looks reasonable to me.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey mzinzi. I believe that a 2 year, 12,000 miles per lease of a 2004 Mazda RX-8 with an automatic transmission through Mazda's captive finance company in CT this month would have a base lease money factor and residual value of around .00325 and 61%, respectively for consumers who qualify for its top credit tier. The total lease cash available for a 2 year lease of this car is indeed currently $4,250.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're welcome again, JoeSM. The dealer cash that is presently available on this car can not be combined with Volvo Finance's special lease program. It can, however, be combined with Volvo's current special financing program. This program provides 1.9% financing for up to 3 years, 2.9% for 4 years, and 3.9% for 5 years.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    I am not aware of any source that provides accurate information on manufacturers' current lease programs to the general public, scott31. I'm not involved with the updating of the updating of the incentives section of Edmunds.com. Please feel free to submit your idea by clicking on the following link and sending a message to the appropriate party: Edmunds.com - Contact Us.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello Melissa. You won't be handing your dealership an extra $2,000 if you turn in your Grand Cherokee at the end of your lease and it is worth that much more than its purchase option price. Leased vehicles go back to the banks that you are leasing them through and have nothing to do with individual dealerships, unless the bank gives them the option to purchase your returned car or truck. To be honest with you, the used vehicle price guides that are available on the Internet often overestimate the current trade-in value of used vehicles. You may not have as much equity in your Grand Cherokee as you were lead to believe.

    You would have to purchase your Jeep at the end of your lease if you want to try to sell it on your own. You should only do so if you are absolutely positive that it is worth more than you will be able to sell it for. Nothing would be worse than going through all of the hassle of purchasing your truck and selling your own - and actually losing money in the process.

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  • coppercopper Member Posts: 94
    Hello again Carman,

    Audi is running a program that allows me to turn in my lease within 90 days the end of the lease. There is even a $500 bonus cash with that.

    What if I don't buy another Audi, can I still take advantage of this? And just let the dealer keep the $500?

    Thanks as always,
    Copper
  • sukinsynsukinsyn Member Posts: 23
    Hello Carman,

    I was quoted MSRP of $25770 and sales price of 23887 on a 2004 Mustang GT, V8, manual trans. The internet manager then e-mailed me and said to expect a $2500 incentive off of that. (Which I saw on Edmunds- :-) ) The tax here is 6.75%.

    Also, am I leaving money on the table on the purchase price? Could the new model coming out hurt the residual value?

    I am in OH.

    Could you please help me with the money factor and residual value on a 3 year lease, 12k per year?

    Thanks for your help. I really love your column. I have learned a lot.
  • mzinzimzinzi Member Posts: 33
    CarMan...

    I'm sorry I didn't specify, the numbers I'm looking for are for a 6-speed RX-8, not automatic. Also, do the lease incentives apply for the 6-speed as well?

    Thanks!
  • jcb123jcb123 Member Posts: 18
    Can you help me get an understanding of whether the following is good deal?
     39 month lease / 15,000 miles per year
     MSRP of $36,470
     Cap Cost of $34,412
     Residual - 60%
     Money factor - .00200
     Out of door payment of $1,000 -- first months lease of $473, + registration + acquisiton costs

    I know I am getting screwed on the interest rate, but not sure if the higher residual evens things out?

    Thanks in advance
  • ranajoranajo Member Posts: 57
    I am looking to purchase a X5 3.0 with the premium package, navigation system and cold weather package. The MSRP is working out to $48125.

    I am looking for a lease term between 36 months and 42 months depending on which would provide the best deal in terms of the residual. Annual mileage would be 15K. I have flawless credit with a FICO score of over 740.

    What would be the lease terms that I should aim for - specifically the money factor and residual that would be appropriate?

    Thanks for any help.
  • tierramomtierramom Member Posts: 15
    Thanks, Car_Man,

    I'm over that idea already.

    Melissa
  • chicagorobchicagorob Member Posts: 12
    I want to see what I should be shooting for in getting a very good or excellent deal on a 325i 36 mo lease (10K/year):
    Options:
    Spts pkg
    on board computer
    heated seats
    5 spd
    glass moonroof
    MSRP 32045 w/destination
    Invoice 29385
    TMV 30073
    what type of residual, cash factor as well?
    assume no cap reduction (I'll keep sales tax out of the equation)
    Additionally, would there be any incentive at the dealer to close deal before Aug1?
    thanks a bunch!
    Rob
  • psuhortypsuhorty Member Posts: 2
    Car_man,
    Thanks for the info about the $575 destination charge. I knew there was AT LEAST that charge. Some of course call it an aquisition fee... a fee that is not negotiable. I fully expected that fee. However, there was another, identical in amount of $575 which was called a freight charge. I really questioned this. You'll be happy to know that I did not purchase a car from this dealer simply due to this charge. I happily made a purchase from my local dealer yesterday. I await the obligatory call from the MD dealer asking if I'm still interested to which I'll have a nice reply.

    As an aside, I still feel I got a pretty darned good deal from my local dealer (VW Jetta GL, 2.0). Rather than a 5 spd (for which the MD dealer quoted me $500 under invoice), my local dealer quoted me only $200 more than the MD dealer... for an auto. I'm quite happy. I wish I could recall the selling price, but I can't. It was significantly under invoice. I put no money down (well, okay... $200 to get to the "magical" monthly paymnet where my wife would say "okay"). 4 yr. lease, 12,000 miles, .0024 money factor, 43% residual, $18,800 msrp. With that info, if you really wanted, you could figure out the selling price. My monthly payments are $260/mnth.

    Can't wait to pick it up on Saturday.
  • hartthartt Member Posts: 79
    Hi Car_man. My father is still looking into the Trailblazer but now has some interest in the Buick Rainier.
    Can you please provide the numbers for a 3/36K lease on the Rainier CXL 2WD? Also, is there any lease cash available? I am in No.KY.
    Thank you for your help.

    Tim
  • chicagorobchicagorob Member Posts: 12
    If you choose to buy it to sell it to somebody else would you have to pay sales tax on it (which may wipe out any profit you are looking to make). I think in Illinois (where I am from) you will need to do this. You may want to check this out before proceeding.
  • chicagorobchicagorob Member Posts: 12
    If I lease a vehicle I am not the owner, rather the bank to which I am leasing it from is the net buyer. If the bank is in a state where sales tax is different than in Illinois (where we get killed, by having to pay 7.25% of the sales price up front), shouldn't I have to pay the bank for them to pay their sales tax. Is this logical? I mean if you were to buy the car at the end of the lease you would have to pay sales tax on it (again). As anybody tried this argument, do you think I would get anywhere with the Dept of revenue?
    What do you think?
    thankks,
    Rob
  • anonymouspostsanonymousposts Member Posts: 3,802
    $260 per month seems high for a lease on a base Jetta. Couldn't you have bought it for not much more per month?
  • chicagorobchicagorob Member Posts: 12
    What would be a good lease for 36 month 12k/yr on a RX8 6mt. What incentives exist for this car (I know there is quite a bit for the auto)
    options:
    GT/MT pkg
    Navigation pkg
    MSRP 33200
    INVOICE 30341
    TMV 31362
    WHAT RESIDUAL, MF TO LOOK FOR
    NO CAP REDUCTION
    THANKS,
  • bomark1bomark1 Member Posts: 5
    My son has been driving a 14 year old car where he has been spending more time on side of road than driving his Chevy S-10Blazer (due to repairs). Has full-time job (his net $1500/mo) and still lives at home(Plenty of room. Only bills are Cell and Car Ins,gas,food & American Express or VISA=$400-500month
    He would like to get into 2004 RX however don't know if possible. Wants Automatic with 2GT AT Touring Pkg. & Destin. Charge comes to $30,400MSRP (TMV $29,143)in Ft. Lauderdale. Dealer fees are $299 at local dealership. Since $3250 is avail. for dealer cash does one subtract this amount from dealer invoice to determine what should offer for selling price? The 54% residual # mentioned in earlier e-mail, When looking for leases should the buyer want this number to be high or low (if looking for other makes or models)
    What would be a good offer???
    Has $1000 for down payment. Can he afford this car since he wants his payments to stay in the $350-400max range. Maybe buying demo car or even a used 2004 an option) Should he finance the car instead of lease since Lease Insurance rates are so high due to his age? Can do a 4 year lease w/12k or will finance for 7trs. FICO score is 668 at Trans Union. Local Credit Union will give him 5.99% for any term loan up to 72 months.
    Sorry for all the questions I have never leased a car.
    Thanks in advance for your help.

    Justin's Mom
  • shazam1shazam1 Member Posts: 1
    fourizonly- where did you pick up your deal? I'm in the San Diego area & looking to lease a G35 Sedan w/ your same options (+ spoiler). I saw an ad for $3999 down, 39 months, $299/month, 12k/year mileage. They also have a $999 down, $399/month deal too for same length & mileage. Sounds like you did better... I'd like to know who you went through. Thanks!
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey Copper. I recently responded to the identical post that you made in another discussion on this message board. Please check there. Thanks.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    I'm glad that you enjoy visiting this message board so much, sukinsyn. I suspect that you should not have too much trouble getting a 2004 Ford Mustang at right around dealer invoice prior to the deduction of any incentives, given the fact that a completely redesigned model will be introduced for the 2005 model year. Ford is indeed providing $2,500 customer cash on this car right now. This money is good, regardless of whether you purchase or lease it. If you finance or lease it through Ford Credit, there is an additional $500 bonus cash available right now. Other than the fact that there is $3,000 cash on it, the lease program on the '04 Mustang is not very attractive. Ford Credit's 3 year base lease rate on this car is currently 7.5%. You can convert this into an approximate money factor equivalent by dividing it by 2400. Its 3 year, 12,000 miles per residual value for an '04 Mustang GT is 48%.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    No biggie. I don't blame you for going with the stick, mzinzi. I would have as well. The lease cash that I mentioned is good on this car, regardless of what transmission it has. As an added bonus, the residual values for this car are 2% higher if it has a manual transmission.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi jcb123. Let's take a look at the deal that you were quoted. According to the latest information that I have seen, Infiniti Financial Services' current 39 month base lease money factor is .00170 on the 2004 G35X. Its 15,000 miles per year residual value for this term is 57% through. It is possible that the dealer that you are working with it running your lease through a bank other than IFS. Using Infiniti's current program and the prices that you provided in your post, I come up with a zero down, pre-tax payment of right around $444. I'm not sure what this payment would be in your area, including tax, but it would probably be close to what you have been quoted, maybe slightly less.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello ranajo. BMW's special lease money factors on the 2004 X5 are available on leases of up to 42 months in length. If you are interested in getting the lowest possible monthly payment that you can get, 42 months is the way to go. BMW Financial Services' current 42 month, 15,000 miles per year, base lease money factor and residual value for the 2004 X5 3.0 are .00095 and 50%, respectively. Shoot for these numbers in your negotiations.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're welcome, Melissa. Let me know if you have any other questions.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Greetings Rob. I would be more than happy to give you an idea of what your monthly lease payment should be like on this car. BMW Financial Services' current 3 year, 10,000 miles per base lease money factor and residual value for the 2004 325i are .00220 and 61%, respectively. Also, it is currently providing $1,200 dealer cash on this car. Given this fact, I would not be surprised if you were able to lease one under invoice. For now, let's assume that you are able to arrive at a relatively conservative selling price of $29,185, which is $200 under invoice, leaving $1,000 on the table (you may be able to beat this by shopping around). According to my calculations, the zero down, pre-tax 3 year 10k lease payment for an '04 325i with an MSRP of $32,045 and a selling price of $29,185 should be right around $375. I am sure that dealers will try to squeeze as many deals as possible into the month of July, so they may be a little more willing to deal if you purchase before the end of the month.

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  • fish8fish8 Member Posts: 2,282
    Congrats on your new Jetta. I know you will love it.
  • miguardomiguardo Member Posts: 2
    Car man,

       Is Volvo still providing $3000 rebate to dealer for leases with independent companies? specifically applied to the S40.

    Thanks,

    Miguardo
  • floridaflorida Member Posts: 1
    I am in Florida and need advice on how to negotiate a Volvo S60 lease. I am coming out of a lease and was intending to buy, but the leases seem like a great value. Please let me know what deal to look for and if buying may be a better bet.

    Thanks!
  • janamaxjanamax Member Posts: 38
    Car_Man, I just wanted to take a moment to thank you for all your help with leasing my new vehicle. I took delivery of a 2004 Honda Civic last night and could not be happier with my experience. Your knowledge and advice has been *invaluable*!!! Thank you so much for doing what you do!

    I will post details of my deal in the Honda Civic: Prices Paid and Buying Experience board for all those interested. Happy leasing, everyone!
  • ewalkerewalker Member Posts: 4
    I got royally screwed in my lease agreement. I have a 2002 Nissan Altima 2.5 S. During the leasing process, I asked for specific things and when I looked on my actual agreement, they weren't included. Some guy took it into a back room to type it up.

    Here's the problem- I leased NOV 2001 for the vehicle. They put 12K on mileage allowance/year (they told me 20K/year). I have run 48K to date and my lease is a 60-mo. (which they told me was only 48). My residual (at maturity) will be $8900. My monthly payment is 305. I'm not familiar with too much about leasing, but I'm pretty sure that I will be "upside-down." The TMV right now is only about 11K.

    What should I do? I would love to get out of this nightmare ASAP.
  • ponytrekkerponytrekker Member Posts: 314
    I would look into a lease buyout. $305 x 60 = 18300, probably more than the car was new.
  • fish8fish8 Member Posts: 2,282
    Did you read the contract before you signed it?
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're very welcome, psuhorty. Just make sure not to confuse Volkswagen's destination charge that it charges on every vehicle, regardless of whether it is paid for with cash, financed, or leased with Volkswagen Credit's lease acquisition fee of $575. The latter fee is completely different, but is still non-negotiable. If a dealer is trying to pass along a third fee called a "freight charge" it may indeed be nothing more than additional profit for them. Congratulations on your new car, by the way. Enjoy!

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi Tim. Here's the info for the latest vehicle that your father is considering. If he was to lease a 2004 Buick Rainier CXL 2WD through GMAC in its Southeast region right now for 3 years with 12,000 miles per, its base lease rate and residual value should be 2.5% and 52%, respectively. GM is providing $1,500 lease cash on supported GMAC leases of this model in its Southeast region and another $1,000 lease cash on supported leases of this model in Kentucky for a total of $2,500 that will help your father to negotiate an attractive capitalized cost.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello chicagorob. Mazda is really pushing 2 year leases of the 2004 RX-8 this month, It is providing an additional $1,000 lease cash on 2 year leases of this car, above the $2,500 regular lease cash and $750 dealer cash that are already available on it. This means that your car would be eligible for a total cash incentive of $4,250 if you were to lease it for 2 years and of $3,250 if you were to lease it for 3 or 4 years. The exact money factors that are available on the RX-8 vary depending what the credit rating of the person who is trying to lease it is like. I can give you an idea of what the lease program should be like on this car right now. Assuming that you have good credit, the base money factor and residual value for a 3 year, 12,000 miles per lease of an '04 RX-8 with a manual transmission through Mazda's captive finance company should currently be around .00305 and 54%, respectively.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Wow, everyone wants to lease a Mazda RX-8 this week. Maybe I should be one too, it seems like the thing to do. Justin's Mom, I don't know what your son's credit rating or income are like, but I suspect that he will have a difficult time qualifying to lease a vehicle that is as expensive as the RX-8 without a co-signer. When shopping for this car, you should try to negotiate as attractive a price as possible, stipulating that any available incentives will be deducted from it. Given how Mazda has really cranked up its support on the RX-8 recently the market must be relatively soft for it. Still, I doubt that you will be able to get one right at invoice minus incentives. I suspect that you will still have to pay at least $500 over invoice - incentives. You should be able to get a better idea of what sort of price you can get this car for by paying a visit to the discussion titled "Mazda RX-8: Prices Paid & Buying Experience" over on the Prices Paid & Buying Experiences Message Board.

    The higher a vehicle's residual value is, the less depreciation you as a lessee will have to pay for, and the lower its monthly lease payment will be. Conversely, a lower money factor means that you are being charged a lower interest rate and therefore a lower lease payment. When leasing, High Residual Value + Low Money Factor = Good & Low Residual Value + High Money Factor = Bad.

    I notice in your post that you mentioned your son has $1,000 saved up for a down payment. It is definitely not in his best interest to put money down when leasing. I say this for two main reasons. The first is if his car is stolen and never recovered or totaled in an accident, his insurance company will pay off the bank that he was leasing it through and the down payment will essentially disappear. The second main reason is that down payments on leased vehicles do nothing to reduce their lease-end purchase prices. So the lease-end purchase price for a leased RX-8 would be exactly the same, regardless of whether your son had put $1,000 down on it or had made absolutely no down payment. Your son will need that money for everything that is due at lease signing anyhow. Consumers usually have to pay their vehicle's first month's payment, a security deposit of that payment rounded up to the nearest, $50 increment, and a lease acquisition fee of around $500 at signing. This will easily add up to a thousand dollars.

    I think that I answered most of your questions, but please let me know if I missed any of if you think of any others.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi Miguardo. Volvo actually increased the dealer cash that it is providing on 2004.5 S40 models that are leased through independent banks to $3,500 this month.

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    It sounds like you are relatively new to the world of leasing, florida. You should be able to find out answers to a lot of the questions that you have on this subject by reading the following informative article that is available here at Edmunds.com: 10 Steps to Leasing a New Car. If you have any questions about leasing after reading the article or have any specific questions about the current lease programs that are available on vehicles, please let me know and I will be more than happy to try to help you out.

    Car_man
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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're welcome, janamax. Thank you for taking the time to come back and say thanks. Congratulations on your new car. Enjoy!

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  • ranajoranajo Member Posts: 57
    Car_man - thanks for the response.

    Based on the money factor(.00095) and residual(50%) that you provided for a 42 month lease on the BMW X5 3.0 with a MSRP of $48145 (incl destination charge) I am coming up with a monthly lease payment of $568 before taxes. This assumes a purchase price of $45040 - which is the invoice price plus $1000.

    It also assumes the only front end payment would be the first month lease payment and security deposit equal to the one month's lease payment. There is no other capital cost reduction. License and tags will be paid for separately. It is possible that the security deposit may be waived based on excellent credit - but I am not factoring this into the equation at this point.

    Given all of the above, am I in the ball-park with regard to the estimated monthly lease payment?
  • eruss44eruss44 Member Posts: 13
    Hi Car_man...I would appreciate it if you would kindly read my smartbuy question which is under the town hall section...It will be located as post # 98 under the sub-section "Buying experiences..." Chevy Trailblazer/Envoy...A fast response would be greatly appreciated..Thank you very much...ERUSS44
  • pgillpgill Member Posts: 84
    Car_Man -

    Are you sure the base lease rate for X5 is .00095? My dealer is quoting .00125...I believe it's .00095 for X3. Can you please confirm?

    Thanks.
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