Car_man, I'm looking to pickup an 05 Acura RSX Type-S and was wondering what the current residual, money factor, etc., are. I know they are currently running a 42 month special for which I would like the details but I would also like to know the terms for 36 and 12k miles.
I know this is going to be a bizarre posting but here we go:
I have a wife who wants to get ride of paided for 03 Mercedes C230 just because it has a brake squeak. Now she wants to buy the Infinity FX35. I am thinking about getting rid of the wife in a few years so instead of buying a car and then having this asset show up in divorce court, I was thinking why not just lease it for a few years. CarMax offered 23k to buy the Mercedes. The 05 Infinity listed at $ 38,440 and they offered it at $ 36,995. I have not checked the leasing option on it yet.
I know this is a little off-the-path but perhaps someone with worldly experience could offer a suggestion?
Is that a joke? If not, it is (unfortunately) one of the funniest posts I've seen here.
"Thinking about getting rid of the wife"? Without being qualified as a marriage counselor, it seems strange that such a decision would be a few years off. Why not now?
Also, if it is "her" car, why wouldn't you want this to be an asset in divorce court?
Sorry, Car_man, I got confused by your last post. There's too many 2004's, 2005's, Arc's, Aero's, etc. You can ignore my previous post if you see this one first.
Can you verify the moneyfactor, residual, and dealer incentive (I've heard $1000, $3500, and $4000 lease cash) on a 2004 Saab 9-3 Arc 5spd?
I'd appreciate the numbers for a 12k and a 15k for 2,3, and 4 years? Thanks a lot - you provide a great service.
Divorce law varies subtlely from state to state. Generally, the judgment or agreement that dissolves the marriage provides for the division of assets and liabilities and allocates cashflow items(income and expenses).
Absent fault, assets and liabilities are divided equally. If your wife has a motor vehicle paid for from marital assets and wishes to keep it after the divorce, you forgo 1/2 the equity in the car and are entitled to set-off that amount by keeping other marital property that you want. If neither party want the asset, the car can be sold and the liquidated equity divided. Accordingly, there is no harm in owning a motor vehicle in the context of a potential divorce other than the market conditions that effect automobile values generally. In fact, because a vehicle you own can be sold, albeit perhaps at too deep a discount, there is more flexibility in ownership. I suppose you know this since you are apt to feel hurt selling a 2003 so soon. Is the old saying that value falls by 1/3 as soon as you drive out of the dealership?
If you lease, the motor vehicle is both an asset, because you have the contractual right to drive it, and a liability, because one of you will have to assume the payments. Will your wife, after a divorce have the cash flow to pay the lease expenses of her choice of car? If she won't, you may be stuck with the car, for example if the court decides you can make the payments more easily than the wife.
I can't resist asking, are you looking at the Infiniti to keep the wife from squeeking about it? It would seem to me to be an expensive fix. It is hard to believe that some one would be willing to throw substantial money around for such a reason. Your divorce lawyers will probably be very happy people.
You're welcome, jsrowe. The dealer definitely is not doing you any favors by discounting a 2004 9-3 Arc Sedan with a full MSRP of $34,280 to $33,000 if the $4,000 lease cash that is available on it is not then taken into account. This dealer would be making over $4,500 on this deal between the remaining margin between invoice and MSRP and the lease cash, on a leftover 2004 model that they need to unload and which is not selling very well in general anyhow.
Ran across a leftover '04 Audi A6. Can't (and won't) lease the new A6 at these prices. But....what type of lease should I be able to generate for an A6 3.0?
MSRP of $42,120, probable selling price around $38,750. 3.0 Quattro. Looking for 36 months, 15k miles. Thanks!
I guess that it is not time for all of the fireworks to start. I have 4 kids and three are still at one. In a few years only 1 will be left.
I guess have been reading that if you do lease it makes no sense to put any money into it. Her thought is that if trade in the Mercedes her lease payment will only be around 100 bucks a month. I hate to give up the 23k of trade-in value that I already paid for. So what I am hearing is that most people would go ahead and purchase this or another car versus leasing regardless of the circumstances?
Car_man, They are offering me .00092 (2.21%), 56% residual, 42 months, 595 acq, with no deposit...just to clarify, only 1st payment due on delivery. This is on an '05 Acura RSX Type-S.
I've called a couple of dealers - all of them are marking up the money factor by .004 coming up with .00165. Is that normal?
Also, what should I be paying as cap cost? The msrp is 31470, while Invoice is 28700, but I believe there are incentives on this for the dealer. Is 29000 a reasonable number?
I found this internet based dealer in california - http://www.generalcar.com that promises not to mark up the money factor. What is your opinion of leasing thru them instead of a dealer? Any risk invoved?
A lot of dealers mark up the money factor.. .0004 is the most they can mark it up.. On a 3 series lease that will cost you $20-$30/month more.. Try to shop around for a dealer that won't mark it up, or try to get your dealer to use the "base rates" (BMW's term).
No dealer incentives on the '05 3-series.. Doubt you will get a car for $300 over invoice.. Maybe $1000-$1200.
Since they are marking up the MF, watch for them marking up the acquistion fee also.. the base fee is $525.
In your situation, you would probably want to sell the Mercedes outright, and just lease the FX. What you do with the cash is up to you, but you have indicated a preference that it not end up split 50/50. You might look into setting up a trust for your kids. Given your comments, you should be finding a favorite attorney anyway!
>>>2) Shouldn't the residual be HIGHER for a 12k lease than for a 15k lease?<<<
Yes! As for your other questions, don't count the holdback. You would probably do better selling your trade-in yourself. I bet they're marking up the money factor, if Saab allows them to. Add the holdback figure back into your numbers, make sure there's no monkey business with the money factor, make sure the residual is right, and that's where you need to be. It's a 2004 Saab, not a 2005 Dodge Magnum Hemi.
I'm interest in leasing a '05 VW Touareg with an MSRP of $40195 and negotiated price of $36800. Can you tell me what the money factor and residual is for a 15k 36 month lease?
Butt away... Those are the correct terms. He read them to me off the approval. MSRP - 24140 Sell - 22258 (invoice 22058) Neg Equity - 3093.85 Payment - 371.64
Without trading my '03 Ranger the payment would be only $291.30. They matched Carmax however and I don't have the patience to sell privately so I figured this lease to be a good option for getting rid of the truck and not feeling the loss too badly.
I am considering my first lease -- when looking at cars is the "sale" price of the car negotiable, therefore affecting the monthly lease payments OR do you basically have to take the car at MSRP and therefore the monthly lease payments are at a set point depending on your options etc.
You negotiate the selling price of the car just like you would with any other car. There are also other profit opportunities for the dealer that are not present in a normal transaction. Some dealers will mark up the money factor (interest rate) or acquisition fee.
I would like to lease a 2005 Suburu Outback Limited [turbo, auto]
MSRP $33,644 Selling price $31,000
I would like a 42 month lease, 12k year
Edmunds shows that with $2500 cap reduction, I would be at $346/mo, before taxes etc. Know that you don't believe in cap reduction, so what should my payment be with zero cap reduction?
When I mentioned "correct" terms.. I didn't meant whether you had them correct.. just that I didn't know if those were the base rates.. Car-man will have to help you with that..
I just thought it sounded like a great deal.. 56% is an incredibly high residual for 42 months.. especially on a coupe. Coupled with that low money factor, it should result in a very low lease payment...
I'm guessing your payment includes tax? Even after adding the acquistion fee and the negative equity into the cap cost ($25,946), I come up with a payment of about $332 + tax.. So, it looks like a little more going into the cap cost, unless your tax rate is really high.. Maybe some dealer or title/registration fees?
Other than having to eat negative equity, it looks like a great lease deal... The residual and money factors are great.. Can't wait to hear what Car-man has to say..
Car_man, Leasing a BMW 325i Rwd 6cyl., black, premium pkg., steptronic automatic, MSRP $33,570 Invoice $30,825 TMV according to Edmunds $32,960 Sales price $32,570 3yr lease with 15,000 miles, $422 mo. inclucing tax of 8.5 percent, $2500 down - $3,351.64 total out of pocket Is this a good deal?
Can you please give me the November lease numbers for a 2005 Audi A4 1.8T Quattro 6-speed for 42 months (10k, 12k, and 15k) and for 36 months (10k, 12k, 15k)?
I was wondering if you could check for me the current lease promotion details for the Lexus ES 330 w/o nav for 36 mo's, 15K mi/yr in the NYC metro area.
My mom took your advice to wait until December for the annual Lexus "December to Remember" promotion. But I just got an email from my local Lexus dealer announcing new factory-direct savings in anticipation of the up coming annual "December to Remember" event. Do you think the current deal is as good as the upcoming Dec deals or did Lexus release their Dec deals early this yr?
Hello again Car_Man the lease guru.Here is the situation.My sister bought a slightly used(4000 miles)03 mazda protege back in February on my suggestion that they are nice cars for the money.We had a 2000 protege ES up until september when we traded it on our new Subaru forester.She loves the car,and has driven it alot,but just today she received a letter in the mail from the dealer saying they are offering great deals to people who bought cars from them in the past.Blah blah blah same old scam.She goes up to the dealer to see what the deals were(stupid I know),and looks into getting a 05 Mazda6i sport sedan.She calls me and asks me about the deal they are offering to her.It is the AVP lease program which I think is a ballon type lease where her name will be on the registration and what not,unlike a typical lease but the contract is like a lease with the payments and the options of returning the car at the end.The major issues I told her are 1)She will have to watch her miles(she has put 16K on the protege since feb.2)the payments they told her seem high to me on a 4 year agreement($360 a month for 4 years 15K a year).She doesn't have the numbers on residual,and money factor(although the salesman said the intrest rate would be 2.9%),therefore I can't ask you if this is a good deal or not,but could you give me the ins and outs on this type of lease?Also could you give me the base money factor and residual on this car as well as the comparable 04 model.I think she is asking for trouble with a lease being a young girl(19),and taking on a payment that high when the payment on the protege is only a smidge over $200 a month.That seems crazy to me.
Oh yeah they said they will give her $9000 as a trade in on the protege and she owes $9800ish on it so she is a bit upside down.This site says it is worth more than that as a trade,but I have yet to check the RWV forum yet on it.Thanks again for your time I really appreciate it.
Chris 04 RX-8 leased with help of edmunds 05 Subaru Forester ditto
I leased a VW Passat wagon on November 12, 2001 for 39 months. I made my first payment upon delivery and will make my last payment on January 12, 2005. Do I have the car until February 12, 2005 since I will be paying for one more month in January? My contract does not say when I will turn the vehicle in, just when I am to make the payments. It seems like such an easy question but I can't find the answer. Thanks in advance.
I have a 2002 BMW 325i with 22K. My lease is up in January and I owe $21K. The book value on this car is $26K private and $29K for the dealer. Is is possible for me to use the equity in the car toward another lease to avoid a down payment? If so, how common is it? thanks.
You're welcome, Marco. The selling prices of leased vehicles can and definitely should be negotiated. If you tell me what selling price you believe you will be able to negotiate, I will be more than happy to calculate a sample lease payment on this truck for you, assuming no down payment.
Hi pjo1966. Most consumers tend to finance rather than lease the Toyota Prius because its lease program is not very good. If you were to lease a 2004 Prius with an MSRP of $27,274 without any discount through Toyota Financial Services right now for 3 years with 12,000 miles per, your zero down, pre-tax monthly payment would be around a whopping $467.
Here is the information that you are looking for, briden. If you were to lease a 2005 Acura RSX Type-S through American Honda Finance Corp. right now for 36 months with 12,000 miles per year, its base lease money factor and residual value should be .00092 and 57%, respectively.
Here you go, jsrowe. If you were to lease a 2004 Saab 9-3 Arc Sedan through Saab Financial Services Corp. right now for 2 years with 15,000 miles per, its base lease money factor and residual value should be .00001 and 52%, respectively. The numbers for otherwise identical 3 and 4 year leases should be .00028 / 43% and .00060 / 36%, respectively. This car's 12,000 miles per year residual values would be 1% higher. Saab is currently providing $4,000 lease cash on this model.
Hey gold233790. While it is still an expensive vehicle to lease, Audi finally realized that its lease program on the 2005 A6 was way too bad and made a significant enhancement to it a few days ago. I played with some numbers and estimated that the new lease program would cut around $60 per month off of the monthly payment of a three year lease of a pretty basic '05 A6.
As far as the 2004 A6 goes, Audi pulled the plug on its lease support of it this month. This means that if you want to lease one through Audi Financial Services, you will have to use its standard lease program. As a result leasing one now will be significantly more expensive than doing so was a few months ago. If you were to lease a 2004 Audi A6 3.0 with quattro with an MSRP of $42,120 and a selling price of $38,750 through AFS using its unsupported lease program for 3 years with 15,000 miles per, its zero down, pre-tax monthly payment should be around $665.
Yes, briden, the lease program that you were quoted for this car is right in line with Acura's program on it. If you like the car, and were able to negotiate an attractive selling price, the go for it.
Is BMW still offering lease support for the 2004 M3? If so, what is the money factor and residual % with security deposit for 36-48 mos at 15k miles/month?
I am looking to lease a 2005 Mercury Mariner for 36 months with either 10,500 or 12,000 miles. Can you give me an idea of what the money factor and residual are for this new model? Also any idea of current incentives that can be applied to a lease?
Isingh, one possible explanation for the difference in the factors that you were quoted and the ones that I gave you is that the dealers that you are working with are trying to mark-up BMW FS' base lease program. BMW dealers are notorious for marking up vehicles' base lease money factors to add additional back-end profit to deals. They often mark up BMW's special financing on rates on cars as well. Another explanation for the difference in money factors could be that they are waiving your lease security deposit. BMW FS will do so in exchange for a slight increase in the money factor that is used to calculate your vehicle's lease payment.
I am not personally all that familiar with what the market is like for this car in your area right now, but you should be able to get a good idea of what sort of price you should pay for it by looking up its Edmunds.com True Market Value in the New Vehicle Pricing section of this site and by stopping by the following discussion "BMW 3-Series: Prices Paid & Buying Experience".
I clicked on the link to the company that you mentioned in your post and they look like some sort of broker. As long as you have the time to do some research and comparison shop on your own, I personally don't see how you would save any money by adding another party that has to profit from your deal to the transaction. Not only that, but I doubt that this company can lease vehicles through BMW Financial Services special lease program.
I would be more than happy to help you out, creshando. If you were to lease a 2005 Volkswagen Touareg V6 (you never mentioned whether you were interested in the V6, V8, or V10, but judging from the price, I'm guessing that its the 6) through VW Credit right now for 3 years with 15,000 miles per, its base lease money factor and residual value should be .00151 and 54%, respectively. You didn't ask for a sample lease payment, but since you included the necessary pricing information to do so here you go. According to my calculations, using the above lease program, a truck with an MSRP of $40,195 and a negotiated price of $36,800 would have a zero down, pre-tax monthly payment of right around $508.
I sure can, Andrew. If you were to lease a 2005 Audi S4 Avant through Audi Financial Services right now for 39 months with 15,000 miles per year, its base lease money factor and residual value should be .00055 and 52%. I believe that the factor for an otherwise identical 42 month lease would be the same, but I am not sure what the residual value would be for that term, perhaps 50%.
Excellent question, jlnjz. Many consumers do not realize that the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. If you don't negotiate a lower selling price on the car or truck that you are interested in leasing, you are going to end up paying a much higher lease payment than you should have.
I am very sorry to hear that both you and your wife recently lost your jobs, ddr2. Unfortunately, there is no inexpensive way to get out of a lease early. In order to do so you either have to find someone who is willing to take over your payments or purchase your leased vehicle from the bank that you are leasing it through and possibly trade it in on something that is less expensive. The problem with finding someone to take over your payments is that many banks do not allow lease transfers, you are often still "on the hook" credit wise so if the person who takes over your credit misses a payment it hurts your credit, and consumers are often able to get better deals on leases on their own rather than assuming someone else's deal. The problem with purchasing your leased vehicle is that you will likely have to spend more than it is currently worth on the open market to buy it AND many banks also require consumers to make all of their remaining lease payments. As you can imagine, this can be very expensive.
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Invoice $23,938
MSRP $27,274
Assuming I can find one for MSRP, I would be looking at 36 mos / 12,000 miles per year.
I'm looking to pickup an 05 Acura RSX Type-S and was wondering what the current residual, money factor, etc., are. I know they are currently running a 42 month special for which I would like the details but I would also like to know the terms for 36 and 12k miles.
Thanks in advance!
I have a wife who wants to get ride of paided for 03 Mercedes C230 just because it has a brake squeak. Now she wants to buy the Infinity FX35. I am thinking about getting rid of the wife in a few years so instead of buying a car and then having this asset show up in divorce court, I was thinking why not just lease it for a few years. CarMax offered 23k to buy the Mercedes. The 05 Infinity listed at $ 38,440 and they offered it at $ 36,995. I have not checked the leasing option on it yet.
I know this is a little off-the-path but perhaps someone with worldly experience could offer a suggestion?
"Thinking about getting rid of the wife"? Without being qualified as a marriage counselor, it seems strange that such a decision would be a few years off. Why not now?
Also, if it is "her" car, why wouldn't you want this to be an asset in divorce court?
Can you verify the moneyfactor, residual, and dealer incentive (I've heard $1000, $3500, and $4000 lease cash) on a 2004 Saab 9-3 Arc 5spd?
I'd appreciate the numbers for a 12k and a 15k for 2,3, and 4 years? Thanks a lot - you provide a great service.
Absent fault, assets and liabilities are divided equally. If your wife has a motor vehicle paid for from marital assets and wishes to keep it after the divorce, you forgo 1/2 the equity in the car and are entitled to set-off that amount by keeping other marital property that you want. If neither party want the asset, the car can be sold and the liquidated equity divided. Accordingly, there is no harm in owning a motor vehicle in the context of a potential divorce other than the market conditions that effect automobile values generally. In fact, because a vehicle you own can be sold, albeit perhaps at too deep a discount, there is more flexibility in ownership. I suppose you know this since you are apt to feel hurt selling a 2003 so soon. Is the old saying that value falls by 1/3 as soon as you drive out of the dealership?
If you lease, the motor vehicle is both an asset, because you have the contractual right to drive it, and a liability, because one of you will have to assume the payments. Will your wife, after a divorce have the cash flow to pay the lease expenses of her choice of car? If she won't, you may be stuck with the car, for example if the court decides you can make the payments more easily than the wife.
I can't resist asking, are you looking at the Infiniti to keep the wife from squeeking about it? It would seem to me to be an expensive fix. It is hard to believe that some one would be willing to throw substantial money around for such a reason. Your divorce lawyers will probably be very happy people.
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Ran across a leftover '04 Audi A6. Can't (and won't) lease the new A6 at these prices. But....what type of lease should I be able to generate for an A6 3.0?
MSRP of $42,120, probable selling price around $38,750. 3.0 Quattro. Looking for 36 months, 15k miles. Thanks!
I guess have been reading that if you do lease it makes no sense to put any money into it. Her thought is that if trade in the Mercedes her lease payment will only be around 100 bucks a month. I hate to give up the 23k of trade-in value that I already paid for. So what I am hearing is that most people would go ahead and purchase this or another car versus leasing regardless of the circumstances?
They are offering me .00092 (2.21%), 56% residual, 42 months, 595 acq, with no deposit...just to clarify, only 1st payment due on delivery.
This is on an '05 Acura RSX Type-S.
Does this all jibe with what you know?
Thanks again!
briden.. I don't know if the terms they gave you are correct, but if they are, that should result in a great lease payment..
Do you have an MSRP, selling price and a monthly payment yet?
regards,
kyfdx
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Also, what should I be paying as cap cost? The msrp is 31470, while Invoice is 28700, but I believe there are incentives on this for the dealer. Is 29000 a reasonable number?
I found this internet based dealer in california - http://www.generalcar.com that promises not to mark up the money factor. What is your opinion of leasing thru them instead of a dealer? Any risk invoved?
Thanks
isingh
A lot of dealers mark up the money factor.. .0004 is the most they can mark it up.. On a 3 series lease that will cost you $20-$30/month more.. Try to shop around for a dealer that won't mark it up, or try to get your dealer to use the "base rates" (BMW's term).
No dealer incentives on the '05 3-series.. Doubt you will get a car for $300 over invoice.. Maybe $1000-$1200.
Since they are marking up the MF, watch for them marking up the acquistion fee also.. the base fee is $525.
regards,
kyfdx
(not the expert)
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Yes! As for your other questions, don't count the holdback. You would probably do better selling your trade-in yourself. I bet they're marking up the money factor, if Saab allows them to. Add the holdback figure back into your numbers, make sure there's no monkey business with the money factor, make sure the residual is right, and that's where you need to be. It's a 2004 Saab, not a 2005 Dodge Magnum Hemi.
Can you give me the numbers for that car under current promotion (running til Jan 3rd I guess) for 39/42 months, 15000 miles/year lease?
Thanks,
Andrew
Those are the correct terms. He read them to me off the approval.
MSRP - 24140
Sell - 22258 (invoice 22058)
Neg Equity - 3093.85
Payment - 371.64
Without trading my '03 Ranger the payment would be only $291.30. They matched Carmax however and I don't have the patience to sell privately so I figured this lease to be a good option for getting rid of the truck and not feeling the loss too badly.
Thank you,
DDR
I would like to lease a 2005 Suburu Outback Limited [turbo, auto]
MSRP $33,644
Selling price $31,000
I would like a 42 month lease, 12k year
Edmunds shows that with $2500 cap reduction, I would be at $346/mo, before taxes etc. Know that you don't believe in cap reduction, so what should my payment be with zero cap reduction?
Thanks!
I just thought it sounded like a great deal.. 56% is an incredibly high residual for 42 months.. especially on a coupe. Coupled with that low money factor, it should result in a very low lease payment...
I'm guessing your payment includes tax? Even after adding the acquistion fee and the negative equity into the cap cost ($25,946), I come up with a payment of about $332 + tax.. So, it looks like a little more going into the cap cost, unless your tax rate is really high.. Maybe some dealer or title/registration fees?
Other than having to eat negative equity, it looks like a great lease deal... The residual and money factors are great.. Can't wait to hear what Car-man has to say..
regards,
kyfdx
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can you get me the nov numbers for a 24 month
lease.
thanks!
sandy
Leasing a BMW 325i Rwd 6cyl., black, premium pkg., steptronic automatic,
MSRP $33,570
Invoice $30,825
TMV according to Edmunds $32,960
Sales price $32,570
3yr lease with 15,000 miles, $422 mo. inclucing tax of 8.5 percent,
$2500 down - $3,351.64 total out of pocket
Is this a good deal?
Can you please give me the November lease numbers for a 2005 Audi A4 1.8T Quattro 6-speed for 42 months (10k, 12k, and 15k) and for 36 months (10k, 12k, 15k)?
Thanks!
Thanks!
I was wondering if you could check for me the current lease promotion details for the Lexus ES 330 w/o nav for 36 mo's, 15K mi/yr in the NYC metro area.
My mom took your advice to wait until December for the annual Lexus "December to Remember" promotion. But I just got an email from my local Lexus dealer announcing new factory-direct savings in anticipation of the up coming annual "December to Remember" event. Do you think the current deal is as good as the upcoming Dec deals or did Lexus release their Dec deals early this yr?
Thanks again for all your help!
Oh yeah they said they will give her $9000 as a trade in on the protege and she owes $9800ish on it so she is a bit upside down.This site says it is worth more than that as a trade,but I have yet to check the RWV forum yet on it.Thanks again for your time I really appreciate it.
Chris
04 RX-8 leased with help of edmunds
05 Subaru Forester ditto
You should be getting some kind of notice soon from VW.
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As far as the 2004 A6 goes, Audi pulled the plug on its lease support of it this month. This means that if you want to lease one through Audi Financial Services, you will have to use its standard lease program. As a result leasing one now will be significantly more expensive than doing so was a few months ago. If you were to lease a 2004 Audi A6 3.0 with quattro with an MSRP of $42,120 and a selling price of $38,750 through AFS using its unsupported lease program for 3 years with 15,000 miles per, its zero down, pre-tax monthly payment should be around $665.
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It really is a terrific lease.
Also, thanks for the confirmation, Car_man.
thanks!
Is BMW still offering lease support for the 2004 M3? If so, what is the money factor and residual % with security deposit for 36-48 mos at 15k miles/month?
Thanks,
Lee
I am looking to lease a 2005 Mercury Mariner for
36 months with either 10,500 or 12,000 miles. Can you give me an idea of what the money factor and residual are for this new model? Also any idea of current incentives that can be applied to a lease?
I am not personally all that familiar with what the market is like for this car in your area right now, but you should be able to get a good idea of what sort of price you should pay for it by looking up its Edmunds.com True Market Value in the New Vehicle Pricing section of this site and by stopping by the following discussion "BMW 3-Series: Prices Paid & Buying Experience".
I clicked on the link to the company that you mentioned in your post and they look like some sort of broker. As long as you have the time to do some research and comparison shop on your own, I personally don't see how you would save any money by adding another party that has to profit from your deal to the transaction. Not only that, but I doubt that this company can lease vehicles through BMW Financial Services special lease program.
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