Lease Questions - Ask Here

CarMan@Edmunds · March 2005

Hello testykaren. According to the latest information that I have seen, if you were to lease a 2005 Volvo XC90 V8 through Volvo Finance right now for 3 years with 12,000 miles per, its base lease money factor and residual value should be .00308 and 63%, respectively. It is difficult to say if you will be able to get this truck for less than $1,500 over invoice by waiting a few months to purchase. My gut instinct says yes, since the closer we get to the end of the model year the more dealers are usually willing to discount.

You never mentioned the selling price or MSRP of the car that you are interested in leasing. These are 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 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.

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CarMan@Edmunds · March 2005

Greetings t6061. Let's take a look at this car's current lease program. If you were to lease a 2005 MINI Cooper S through its captive finance company right now for 4 years with 15,000 miles per, its base lease money factor and residual value should be around .00255 and 52%, respectively. Using these numbers, an MSRP of $23,050, and no discount, I estimate that this car should have a zero down, pre-tax monthly payment of around only $320 per month. As you can see, this payment is much closer to the one that you got on-line than it is to the jacked up payment that this dealer quoted you. You definitely should be able to do better than the payment that this dealer is trying to get you to agree to.

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CarMan@Edmunds · March 2005

Hi mabubba. Let's take a look at the deal that you were quoted. BMW Financial Services' base lease money factor for this car is currently only .00080. Even if you were to have this car's security deposit waived, it would only increase the money factor to .00090. This makes me think that the dealer that you are working with is trying to mark-up BMW FS' base lease money factor to add additional back-end profit to your deal. Similarly, BMW FS' base lease acquisition fee is only $625 in most states right now. It looks as though this dealer may be marking-up this charge by $200. These sorts of mark-ups are not unusual for BMW dealers, but since you know that they are happening make sure that you insist that this dealer use the base numbers to calculate your lease.

The main problem that I have with this deal, other than the aforementioned mark-ups and the large down payment, is this car's selling price. How many miles are on this car? I ask because you should be able to negotiate a much lower selling price on a demo 330Ci. I usually find that dealers are not willing to discount demos enough to justify purchasing what essentially is a low mileage used car over an equivalent brand new one.

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CarMan@Edmunds · March 2005

I sure have, lycanthris. Here you go. If you were to lease a 2006 Infiniti M35 RWD through Infiniti Financial Services right now for 36 months with 15,000 miles per year, its base lease money factor and residual value should be .00173 and 60%, respectively. If you were to lease a 2005 Infiniti G35 Sedan RWD through IFS for 24 months with 15,000 miles per, its base factor and residual should be .00179 and 70%. The numbers for an otherwise identical 3 year lease should be .00179 and 60%.

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mabubba · March 2005

Carman,

The dealer is Defouw BMW in Lafayette, IN. There are only 1000 miles on it. You are correct about BMW dealers, because I don't think they are too receptive to negotiating a better deal. I am going to move on.

Thanks,
mabubba

ddelise · March 2005

Good Morning -

I am looking for the March numbers (money factor and residual and acq. fee) for these cars:
both base models, 36 month, 12k miles/yr.

Also, what incentives apply to a lease?

As a current Volvo finance lease customer they just sent me a certificate for $1250 towards a new lease, and I am looking to see if there is any other money on the table for me to take advantage of. I also qualify for the X-plan, so I am able to get the car at invoice minus all rebates.

Located in Tampa, FL.

Thanks! Damon

prisch · March 2005

Car_Man,

Sorry to be a pest, but has Audi come out with their March numbers yet for the A4 2005.5 Quattro or the 3.2. I've negotiated a very good selling price on either and am trying to decide between the two. My dealer's current quotes on residual and MFs for the two are as follows for a 36 mos./10K miles per year lease:

2.0Quattro Automatic--59% residual--.00165 MF
3.2Quattro Automatic--56% residual--.00165 MF

He also told me I could lower the MF on either to .00135 by paying a refundable security deposit which I would probably do. Thanks very much.

mtlk · March 2005

Car Man,

Why is a 48 month lease no good? In general, are Acura dealers doing any discounting off of MSRP?

deeb · March 2005

Is there any month/time of the year that is best for leasing in terms of the deal you can negotiate?
How can I find what the resdiual value and money factors are for a particular car?

deeb · March 2005

Is there any month/time of the year that is best for leasing in terms of the deal you can negotiate?
How can I find what the resdiual value and money factors are for a particular car? I am interested in the following 2005 cars - Honda Accord LX, Toyota Camry, Hyundai Sonata.

hattrick77 · March 2005

Car_man,

Looking to lease a 2005 Saab 9-3 Arc or Aero sedan before the end of March. Can you provide MF and residual values for these cars as offered by Saab Financial Services...

I'm aware that Saab is offering $3000 lease incentives right now on the Arc, does that cover the Aero also? Thanks again!

financeman · March 2005

Carman,
What are the current res/mf for 12K/yr, either 36/39 months. Any rebates/ccr money?
Thanks,
Financeman

sjeed · March 2005

Car_man:

What is the current MF and Residual for Mercedes-Benz Credit's Lease for a 2006 E350. I am told the best deal is for 39 months, and I will either do a 10k mile/yr or 12k mile/yr lease.

Thank you very much!

sjeed · March 2005

Car_man:

Can you help me out with the MF and Residual for a 2005 Lexus RX330 w/Nav lease, 12k mile/yr, 36 mos. Also, I am told that there is a 10 bps reduction for a returning TMMC/LFS customer.

Thank you very much!

scott31 · March 2005

Where are you located? I might be interested in taking over your 330cic lease.

t6061 · March 2005

Thanks for the feedback - it looks like my latest offer is about $25 away from your number. The only way I can see they are getting the extra is the addition of the freight ($550) and an acquisition fee of $625. I understood the freight to be a standard charge but not sure about the acquisition fee? Discounts from MSRP are rare on MINIs (mark-ups are the rule here in Southern CA) so I'm ok with MSRP. I special ordered the car with only the options I wanted so the car is perfect... any thoughts?

iwants2000 · March 2005

Hi Carman,

Thanks for getting back to me. Unfortunately, the deal didn't work out last weekend because of trade-in $. I want to try another dealer this weekend but would like to know if the lease terms you quoted me still holds since we are in March now. Do you have the latest AHFC March money factors and residuals for s2000 (including and excluding security deposits, 36, 39, 40, 12k/15k)? Thanks again for your help!!!!

For your reference: "At the most, it does so monthly. Its new standard money factors are .00225 for 36 to 39 month leases and .00195 for 48 month leases. Its residual values for this car are 58% for 36 months, 54% for 39 months, and 51% for 48 months, all with 15,000 miles per year. Its residual values for leases with only 12,000 miles per year would be 2% higher. "

maryv · March 2005

Hello, Car_man:

Do you know the current MF's and residuals on Toyota Camry LE and Highlander? Detroit area. 24 and 36 month lease. 15,000 miles. Many thanks in advance for the information.

kmouradian · March 2005

Car_Man, thanks for all the invaluable information you provide for us everyday. Looking for the MF's and residual's for the month of March on 2005 Infiniti G35 coupe and 2005 Mazda RX-8 with m/t. Lease length of 36 months and 15k miles per year. Thanks a bunch!

meredith07 · March 2005

Hi there! New to this....so did you post/find the new Acura lease programs for March?

I am trying to lease a 2005 TL with Navi for something UNDER $500/mo (15K miles, 48 months). Does anyone think think this is possible? I have been quoted from $500-%560 including tax, which isn't cutting it.

Should I just go with the Lexus ES 330 which I got quoted $438 (15K, 48 months, Navi)?

Thanks!

funky1020 · March 2005

Hey Car_man, I've got my numbers now. I am looking at a 2005 3.0 X3 MSRP $38,470. The selling price is $37,125. It has vinyl interior with heated seats, heated steering wheel and privacy glass. According to the salesman, I have to pay $3,465.29 at signing which includes $500. refundable security, $800. bank fee and other related charges. I think the destination fee was around 600., but I am not sure. The money factor is .00100 or 2.4%. My monthly payments for 36 months (15k miles/yr) is 460.59. Is this a good deal? Thanks...

jim53 · March 2005

Hi CarMan. Do you have the March Residual and MF for the 2005 545 at 10K miles per year and 36 months?

cosmos2 · March 2005

Dear Carman ,

Any advice on question # 17484.
Thanks again
Cosmos 2

mssmiles · March 2005

Hello! I had posted a message related to leasing a 2005 Highlander (#17443), but have not received any response yet. Just wondering...
I am the cliche'd "girl who doesn't know much about cars and math", and would really appreciate some help/advice in figuring out a good deal!

coffee_fan · March 2005

Hi Car_Man, a dealer here in the NW quoted me for a Toyota HL model 6938 with packages LL (Limited) LA (Leather),HD Heated Seats , SR (Sunroof), GY (Side curtain air bags), EJ (JBL Premium sound), TO (Tow package) the following:

36 months / 12kmiles
Sell Price: 32500
Down payment: 500
Acquisition fee: 400
Security deposit: waived if I qualify for Tier1
MF: 0.00116 (2.78%)
Lease End Value (LEV): 20353
Monthly payment: 412 + TAX.

So, I tried to get from him the exact MSRP, and he told me it was 359xxx. The closest I got through edmunds pricing with all the packages is 35895 and TMV of 32259 which is close enough to 32500.

However, there are a couple of things that don't add up.

1) For an LEV of 20353, based on an MSRP of 35895 I get that LEV% = 56.7% which seems a bit low for this vehicle. I thought LEVs were on the order of 58%.

2) My calculations using above sell price, downpayment and residuals indicate that:
2.1 -- Adjusted Cap Cost = 32400
2.1 -- Depreciation = 12047
2.2 -- rent charge at MF = 2202.97
2.3 -- Monthly payment = 395.83

So basically there are $16.17 per month or $565 additional cap cost, which is exactly the destinatio fee, so I think the sell price is really 33065.

I won't ask you to go over my numbers, but if you can give the exact residuals for the HL LTD @ 36month/12Kmiles it will help.

I also read that the residual for the non-limited is higher -- Is that still valid?

Thanks much

jimmythy · March 2005

Hi Meredith,

My wife and I are also looking at the '05 TL, and were recently quoted a lease price of $441 (taxes inc, 12K miles, $0 down, no security b/c of Owner Loyalty, 42 months, no navi).

A few questions:
1) What state are you in? (We are in NJ)
2) Did your Lexus quote include any money down/security?

We are also hoping Acura will come out with a better lease program this month or maybe even in April, since our lease is up 3/31, but we can extend it if necessary. Our previous TL lease from '02 was a great deal: $379/month (inc taxes, 12K miles, 42 months), $0 down, and we were in sticker shock when we realized we weren't going to come close to that amount this time around.

Have you heard anything?

Good luck on your search as well!

~Jimmy & Thy

jimmythy · March 2005

Hi Car Man,

Have you been able to get an idea of what the Acura lease programs were going to be for March or even April? We're hoping they come out with something better than they have right now.

Thanks!

jone345 · March 2005

Car_man
Now, I think my car just might be under mileage I supposed to drive. Would it be a problem though because I alway go to my schedule maintenance at the dealer I bought the car from, would they know about my mileage?. So, I could say I've been driving the car alot and end up loving it ( the mileage limit you mention ). Would they ask about my mileage when I am buying it? would I need to bring the car in?
Can I just say "hey my car is about 36,100$ at the end. That should do won't it?

Thank you

stew24 · March 2005

Car_Man, please advise on this pending deal. My wife and I have a deal for Monday on a 2006 Infiniti M35, with a MSRP, as well as selling price of $47,660. We told dealer we wanted sales tax to be made up front, as we have a cap on "local and county" taxes when paid up front,($137.50 flat fee) otherwise our state 6%, Local 3.5%, and county 1.5% and service fee 1.5% taxes will fall due in the lease string(12.5%!!!) Anyways, dealer wants us to put up $3,595 that is to cover state 6% sales tax, and 1st month's payment. The deal is for a 42 month lease with 15K miles, and monthly payment of $588. Does this sound reasonable? , or should we have them add sales tax to the cap cost, for a total of $50,520 as I calculate, and pay nothing but first payment down? Dealer told us the IFS money factor was .00175 now, with 59% residual. Will you give us your calculation of what payment should be, and whether this is a bad deal?
Thanks

rroyce10 · March 2005

.... What state do you live in ...?

Terry.

CarMan@Edmunds · March 2005

Hi keeferb. Here is the information that you are looking for. If you were to lease a 2005 Nissan Pathfinder SE 4WD through Nissan Motor Acceptance Corp. right now for 39 months with 15,000 miles per year, its base lease money factor and residual value should be .00159 and 58%, respectively.

If you were to lease a 2005 Ford Explorer XLT 4WD through Ford Credit this month for 36 months with 15,000 miles per year, its base lease rate and residual value should be 1.75% and 45%, respectively. As you can see, Ford Credit publishes lease rates instead of money factors for the vehicles that it leases. You can convert its lease rates into approximate money factor equivalents by dividing them by 2400. When negotiating your lease on this truck, keep in mind that Ford is providing $2,000 lease cash on it, which will help you to negotiate an attractive capitalized cost.

Last but not least, If you were to lease a 2005 Dodge Durango SLT 4WD through Chrysler Financial right now for 36 months with 15,000 miles per year, its base lease money factor and residual value should be .00173 and 51%, respectively. When negotiating your lease on this truck, keep in mind that DaimlerChrysler is providing $4,000 lease cash on it, which will help you to negotiate an attractive capitalized cost.

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CarMan@Edmunds · March 2005

Hello mssmiles. You never mentioned the selling price of the truck 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 truck 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 work up a sample lease payment on the Highlander that you are interested in for you if you let me know what its selling price is. When you tell me the selling price, make sure to mention what state you live in. I ask this because Toyota's lease program often varies depending upon which one of its twelve regions one is in.

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CarMan@Edmunds · March 2005

Hi selm. I see that you are already aware that BMW raised the dealer cash that is is providing on the 2005 330i a little bit this month. Let's take a look at these cars' lease programs. If you were to lease a 2005 BMW 325i through BMW Financial Services this month for 36 months with 12,000 miles per year, its base lease money factor and residual value should be .00225 and 55%, respectively. The numbers for an otherwise identical lease of a 2005 330i should be .00225 and 52%. When negotiating your lease on either of these cars' don't forget about the dealer cash because it is compatible with BMW FS' lease program.

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CarMan@Edmunds · March 2005

Hi rxke. I am sorry to say that I have not seen Lexus' lease program for the new 2006 GS 300 yet. I doubt that Lexus is providing any lease support on it right now. It usually does not on brand new models. If that is indeed the case, its base lease money factor would be Lexus Financial Services' base factor of .00205 for any length lease. Though I am sure that this car's residual values will be strong, I do not know exactly what they are yet.

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CarMan@Edmunds · March 2005

Hi reservecab. There is a good chance that the chrome wheels that you have on your leased Lexus were not residualized. If that is indeed the case, rather than paying a percentage of their value as part of your car's normal lease payment, the entire price for the wheels was divided by the number of payments that you made and added to your monthly payment. If these wheels were not residualized, you have paid for their entire value and technically own them. In that event, there would be nothing wrong with swapping the chrome wheels with the base wheels on your new car.

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CarMan@Edmunds · March 2005

You're very welcome, minivanuuggh.

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CarMan@Edmunds · March 2005

Greetings maryv. According to the latest informaiton that I have seen, if you were to lease a 2005 Toyota Camry LE through Toyota Financial Services in its Cincinnati region right now for 3 years with 15,000 miles per, its base lease money factor and residual value should be .00070 and 54%, respectively. The numbers for an otherwise identical lease of a 2005 Toyota Highlander 2WD (non-Limited) should be .00116 and 62%, respectively.

As far as the Jetta goes, if you were to lease an all new 2005.5 Volkswagen Jetta 2.5L through VW Credit right now for 3 years with 15,000 miles per, its base lease money factor and residual value should be .00110 and 54%, respectively.

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CarMan@Edmunds · March 2005

Welcome manaraki. I am glad that you find this discussion so informative. Let's take a look at the lease program for the truck that you are interested in. Toyota is not providing any sort of lease money factor support on the redesigned 2005 Tacoma in any of its regions right now. As a result, if you were to lease one through Toyota Financial Services this month, you would have to use its standard lease money factors. The last time that it saw TFS' standard money factor, it was around .00210 for Tier 1 customers, but it may have changed. Its 3 year, 12,000 miles per residual value for a 2005 Tacoma Double Cab should be around 66%. Using these numbers, an MSRP of $29,673 and a selling price of $27,146, I estimate that this truck should have a zero down, pre-tax monthly payment of around $309.

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CarMan@Edmunds · March 2005

Congratulations on your new Jetta, wifrbr. Let's take a look at the lease programs for the vehicles that your friend is interested in. If they were to lease a 2005 Honda CR-V LX 4WD (this truck's exact program varies depending upon which trim level you want) through American Honda Finance Corp. for 3 years with 12,000 miles per, its base lease money factor and residual value should be .00225 and 59%, respectively. The numbers for an otherwise identical 4 year lease of this truck should be .00195 and 49%, respectively.

Toyota's lease program varies by region, so in order for me to give you friend an idea of what the lease program should be alike on the 2005 Toyota RAV4, I need to know what state they live in.

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CarMan@Edmunds · March 2005

Here you go, Dodgerman. If you were to lease a 2005 Acura TL without navigation 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 .00220 and 60%, respectively. The numbers for an otherwise identical 39 month lease of this car should be .00220 and 56%. The numbers for an otherwise identical 48 month lease of this car should be .00190 and 51%.

If you were to lease a 2005 Mercedes-Benz C230 Sport Sedan through Mercedes-Benz Credit Corp. right now for 36 months with 12,000 miles per year, its base lease money factor and residual value should be .00220 and 58%. The numbers for an otherwise identical 42 month lease of this car should be .00220 and 54%. The numbers for an otherwise identical 48 month lease of this car should be .00220 and 51%.

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CarMan@Edmunds · March 2005

Hi eoreos. Toyota's special lease money factors on the 2005 Sienna in your area are only available on the CE and LE models. If you were to lease a 2005 Sienna XLE or Limited through Toyota Financial Services in its New York region this month, you would have to use its standard lease money factor. I haven't see its standard factor recently, but I suspect that its base standard factor for Tier 1 leases is currently around .00220 or so.

For more information on how to calculate vehicles' lease payments, check out the following article that is available here at Edmunds.com: Calculate Your Own Lease Payment.

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CarMan@Edmunds · March 2005

You're welcome, iwants2000. Honda did publish a new lease program for March. If you were to lease a 2005 Honda S2000 through AHFC this month for 36 months with 15,000 miles per year its base lease money factor and residual value should be .00225 and 58%, respectively. The numbers for an otherwise identical 39 month lease should be .00225 and 54%. The numbers for an otherwise identical 48 month lease should be .00195 and 50%. If you were to have this car's security deposit waived, its lease money factors would be .00010 higher. If you were to lease it with only 12,000 miles per year, its residual values would be 2% higher.

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CarMan@Edmunds · March 2005

No problem, jpmiller99. It definitely is a lot of work responding to all of these posts. Thanks for noticing

.

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CarMan@Edmunds · March 2005

Hi roncas. I see that you are already aware of the increased dealer cash that is available on this car. As far as its lease program goes, if you were to lease a 2005 BMW 330i through BMW Financial Services this month for 36 months with 12,000 miles per, its base lease money factor and residual value should be .00225 and 54%, respectively. The residual value for an otherwise identical lease with only 10,000 miles per year should be 1% higher. I suspect that dealers will be willing to cut you a very attractive deal on this car right now, given the high level of dealer cash on it and the impending arrival of the redesigned 3-Series.

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CarMan@Edmunds · March 2005

Good job, t6061. That quote is much more like it, as long as by "handling" you mean the destination fee. It is still based on a selling price of full MSRP, but at least this dealer isn't trying to skin you twice by marking-up this car's money factor and acquisition fee. I don't see any reason not to pull the trigger on this deal if you like the car.

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CarMan@Edmunds · March 2005

I am glad that you enjoy this discussion so much, pcbrs. The first thing that I noticed about this deal is the large down payment. 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 insurance company pays off the bank that you were leasing it through and 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 this S4 would be exactly the same, regardless of whether you had put $5,000 down, or had made absolutely no down payment at all.

Also, 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 work up a sample lease payment on the car that you are interested in that you can compare to the one that you were quoted if you let me know what its selling price is.

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CarMan@Edmunds · March 2005

Kyfdx, I believe that BMW Financial Services' base standard lease money factor is actually .00255 this month, not .00240.

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CarMan@Edmunds · March 2005

Thanks for the reminder, sharkala. Let's take a look at this truck's current lease program. If you were to lease a 2005 Nissan Xterra SE 4WD through Nissan Motor Acceptance Corp. this month for 36 months with 12,000 miles per year, its base lease money factor and residual value should be .00235 and 53%, respectively. The numbers for an otherwise identical 48 month lease should be .00235 and 45%.

You never mentioned the selling price of the truck 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 truck 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 work up a sample lease payment on the Xterra that you are interested in for you if you let me know what its selling price is.

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CarMan@Edmunds · March 2005

Here is the information that you are looking for, catheryn2. If you were to lease a 2005 Mercedes-Benz CLK 500 Convertible through Mercedes-Benz Credit Corp. right now for 3 years with 12,000 miles per, its base lease money factor and residual value should be .00310 and 61%, respectively. If I was in your situation, I would take advantage of Mercedes-Benz Credit's "value added" program. This program allows the use of 36 month lease terms for 39 month leases, resulting in a slightly lower monthly payment.

Mercedes-Benz does allow consumers to pre-pay leases. While doing so does not completely eliminate the interest charge on your lease, it does result in a discount in the money factor that is used to calculate the cost of your lease. I am not sure exactly how much of a reduction in its money factors that Mercedes-Benz provides for one pay leases though.

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CarMan@Edmunds · March 2005

Thanks cosmos2. Let's work up a sample lease payment on this car dor you and see what we come up with. According to my calculations, if you were to lease a 2005 BMW 745Li with an MSRP of $81,970 and a selling price of $76,765 through BMW Financial Services right now for 3 years with 12,000 miles per, your zero down, pre-tax monthly payment should be around $924. At lease signing with this deal, you would have to pay this car's first month's payment, a security deposit equivalent to that payment rounded up to the nearest $50 increment, and BMW Financial Services' lease acquisition fee of $625 ($900 in New York). Does the payment that you were quoted include tax?

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