My Take: The A3 isn’t a bad “lease-to-own” candidate due to the low residual value and low money factor. The money factor COULD be lower however, but I can’t complain too much. The one that stands out the most from the list is probably the 2009 Audi A3 2.0T quattro since it has the highest residual value and a sub .001 money factor, which is about 2% APR. Alternatively, you could go with any of the S-Lines and lower your yearly mileage allowance, that should give you a pretty decent monthly payment as well. If you are a current Audi owner, you should qualify for the $1000 loyalty cash that’s currently available on the A3.
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| At Invoice | At MSRP | |||||
| Make/Model | Invoice | MSRP | 24-month | 36-month | 24-month | 36-month |
| 09 Audi A3 2.0T quattro | $29,191 | $31,325 | $511 | $413 | $602 | $474 |
NOTE: Estimates assuming the following conditions:
- Inception fees (1st month payment, DMV, doc fee, bank fee, tire tax and possible security deposit) due at signing.
- Local Taxes not included.
- 24-month/15k and 36-month/15k terms.
- All cars are stock, without any options.
- No rebates/incentives applied
2009 Audi A3
2009 Audi A3 2.0T
24-month | 15k miles | residual 56% | .00059 base money factor
36-month | 15k miles | residual 49% | .00059 base money factor
48-month | 15k miles | residual 42% | .00348 base money factor
2009 Audi A3 2.0T Premium
24-month | 15k miles | residual 54% | .00059 base money factor
36-month | 15k miles | residual 47% | .00059 base money factor
48-month | 15k miles | residual 40% | .00348 base money factor
2009 Audi A3 2.0T quattro
24-month | 15k miles | residual 57% | .00083 base money factor
36-month | 15k miles | residual 50% | .00083 base money factor
48-month | 15k miles | residual 43% | .00348 base money factor
2009 Audi A3 2.0T quattro Premium
24-month | 15k miles | residual 55% | .00083 base money factor
36-month | 15k miles | residual 48% | .00083 base money factor
48-month | 15k miles | residual 41% | .00348 base money factor
2009 Audi A3 2.0T S-Line
24-month | 15k miles | residual 53% | .00059 base money factor
36-month | 15k miles | residual 46% | .00059 base money factor
48-month | 15k miles | residual 39% | .00348 base money factor
2009 Audi A3 2.0T S-Line quattro
24-month | 15k miles | residual 54% | .00083 base money factor
36-month | 15k miles | residual 47% | .00083 base money factor
48-month | 15k miles | residual 40% | .00348 base money factor
2009 Audi A3 3.2 S-Line quattro
24-month | 15k miles | residual 53% | .00059 base money factor
36-month | 15k miles | residual 46% | .00059 base money factor
48-month | 15k miles | residual 39% | .00348 base money factor