Money Factor

October 2008 Lease Rate for 08 Acura MDX

Published by G

My Take: MDX is not a good lease this month. Just look at the money factor. It doesn’t help that this is the 2008 model, so the residual values are reaching the lowest point of the year. If you have been following this blog for some time or have been leasing for a while, you know these two numbers make for a seriously bad lease. Pass!

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

QUICK LINKS:

LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2008 Acura MDX
24 Month – Residual 55% of MSRP – .00290 Base Rate
36 Month – Residual 49% of MSRP – .00290 Base Rate
48 Month – Residual 40% of MSRP – .00290 Base Rate
60 Month – Residual 33% of MSRP – .00290 Base Rate

2008 Acura MDX Sport
24 Month – Residual 50% of MSRP – .00290 Base Rate
36 Month – Residual 45% of MSRP – .00290 Base Rate
48 Month – Residual 36% of MSRP – .00290 Base Rate
60 Month – Residual 30% of MSRP – .00290 Base Rate

2008 Acura MDX Sport w/RES
24 Month – Residual 50% of MSRP – .00290 Base Rate
36 Month – Residual 44% of MSRP – .00290 Base Rate
48 Month – Residual 36% of MSRP – .00290 Base Rate
60 Month – Residual 30% of MSRP – .00290 Base Rate

2008 Acura MDX Technology
24 Month – Residual 53% of MSRP – .00290 Base Rate
36 Month – Residual 47% of MSRP – .00290 Base Rate
48 Month – Residual 38% of MSRP – .00290 Base Rate
60 Month – Residual 32% of MSRP – .00290 Base Rate

2008 Acura MDX Technology w/RES
24 Month – Residual 52% of MSRP – .00290 Base Rate
36 Month – Residual 46% of MSRP – .00290 Base Rate
48 Month – Residual 38% of MSRP – .00290 Base Rate
60 Month – Residual 31% of MSRP – .00290 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

October 2008 Lease Rate for 09 VW Jetta, Acura RDX and Toyota Prius

Published by G

My Take: Couple of things…the Prius lesses well because of the high residual value, but the money factor is pretty high in my opinion. Lower than Honda’s standard lease rate, but high nonetheless, so watch out for that. The RDX looks like it needs further money factor reduction to make it more attractive. It isn’t horrible, but I the lower residual value doesn’t help keep the costs down. Lastly, the Jetta TDI (for those who live in states that have them) seems like an excellent lease with a .00148 mf and fairly high residual values. Remember to lease it for no more than 36 months because VW’s Warranty is only 3 years.

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

QUICK LINKS:

LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2009 Volkswagen Jetta TDI Wagon
24 Month – Residual 64% of MSRP – .00148 Base Rate
36 Month – Residual 57% of MSRP – .00148 Base Rate
48 Month – Residual 50% of MSRP – .00188 Base Rate

2009 Acura RDX Wagon
24 Month – Residual 59% of MSRP – .00128 Base Rate
36 Month – Residual 50% of MSRP – .00128 Base Rate
48 Month – Residual 42% of MSRP – .00290 Base Rate
60 Month – Residual 33% of MSRP – .00290 Base Rate

2009 Acura RDX Wagon Tech
24 Month – Residual 58% of MSRP – .00128 Base Rate
36 Month – Residual 49% of MSRP – .00128 Base Rate
48 Month – Residual 41% of MSRP – .00290 Base Rate
60 Month – Residual 32% of MSRP – .00290 Base Rate

2009 Toyota Prius 5dr HB
24 Month – Residual 71% of MSRP – .00265 Base Rate
36 Month – Residual 64% of MSRP – .00265 Base Rate
48 Month – Residual 55% of MSRP – .00265 Base Rate
60 Month – Residual 45% of MSRP – .00265 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

October 2008 Lease Rate for 09 Honda Accord Coupe

Published by G

My Take: The money factor on the Accord coupe isn’t looking very good. It gets worse if you try to lease the car for more than 36 months. The residual value is fairly high, so it will help offset the higher money factor. Personally I prefer a slightly higher residual value than a slightly lower money factor. A 1% residual increase is a far better discount than say .0001 money factor reduction.

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

QUICK LINKS:

LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2009 Honda Accord Coupe EX I4
24 Month – Residual 68% of MSRP – .00249 Base Rate
36 Month – Residual 60% of MSRP – .00249 Base Rate
48 Month – Residual 51% of MSRP – .00290 Base Rate
60 Month – Residual 38% of MSRP – .00290 Base Rate

2009 Honda Accord Coupe EX-L V6
24 Month – Residual 67% of MSRP – .00249 Base Rate
36 Month – Residual 56% of MSRP – .00249 Base Rate
48 Month – Residual 47% of MSRP – .00290 Base Rate
60 Month – Residual 36% of MSRP – .00290 Base Rate

2009 Honda Accord Coupe EX-L w/Nav V6
24 Month – Residual 65% of MSRP – .00249 Base Rate
36 Month – Residual 54% of MSRP – .00249 Base Rate
48 Month – Residual 45% of MSRP – .00290 Base Rate
60 Month – Residual 35% of MSRP – .00290 Base Rate

2009 Honda Accord Coupe LX-S I4
24 Month – Residual 68% of MSRP – .00249 Base Rate
36 Month – Residual 60% of MSRP – .00249 Base Rate
48 Month – Residual 51% of MSRP – .00290 Base Rate
60 Month – Residual 38% of MSRP – .00290 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

October 2008 Lease Rate for 09 Lexus RX350 and Toyota Camry

Published by G

My Take: Sorry folks, I haven’t had the time to make up payment estimates (life of getting in the way), so I will be posting the rest of the lease rates I have. I can say that the rates look pretty good here for the RX350 and the Camry. Residuals are fairly high and money factors are pretty low. This makes for a nice leasing combination. Stay tuned for more lease rates I’ve found. Will be posting them shortly.

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

QUICK LINKS:

LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2009 Lexus RX350 2WD
24 Month – Residual 61% of MSRP – .00135 Base Rate
36 Month – Residual 54% of MSRP – .00135 Base Rate
48 Month – Residual 43% of MSRP – .00135 Base Rate
60 Month – Residual 35% of MSRP – .00255 Base Rate

2009 Lexus RX350 2WD w/RSE
24 Month – Residual 59% of MSRP – .00135 Base Rate
36 Month – Residual 52% of MSRP – .00135 Base Rate
48 Month – Residual 41% of MSRP – .00135 Base Rate
60 Month – Residual 33% of MSRP – .00255 Base Rate

2009 Lexus RX350 AWD
24 Month – Residual 61% of MSRP – .00135 Base Rate
36 Month – Residual 54% of MSRP – .00135 Base Rate
48 Month – Residual 44% of MSRP – .00135 Base Rate
60 Month – Residual 36% of MSRP – .00255 Base Rate

2009 Lexus RX350 w/ RSE AWD
24 Month – Residual 59% of MSRP – .00135 Base Rate
36 Month – Residual 52% of MSRP – .00135 Base Rate
48 Month – Residual 42% of MSRP – .00135 Base Rate
60 Month – Residual 34% of MSRP – .00255 Base Rate

2009 Toyota Camry 4dr Sedan SE
24 Month – Residual 66% of MSRP – .00150 Base Rate
36 Month – Residual 59% of MSRP – .00150 Base Rate
48 Month – Residual 49% of MSRP – .00265 Base Rate
60 Month – Residual 41% of MSRP – .00265 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

October 2008 Lease Rate for 08 Infiniti EX35

Published by G

My Take: Couple of months ago, IFS was pushing their 24 month leases at rockbottom money factors. 60 days later and a financial meltdown later, you’re looking at more attractive 36month and 48month leases for the EX35. How things change! Its not a bad idea to lease for 48 months as long as the warranty runs that long. Premium cars typically include a 48-month warranty, while the rest usually offer a 36-month warranty. As for the EX35, most people will have a hard time finding a base 2WD or 4WD model on the lots. They were rare over the summer, so chances are they will be practically non-existant now. Too bad, because they seem to lease cheaper than the Journey. As far as pricing is concerned, $1500 under wasn’t unheard of back in July, certainly not impossible now. There is $500 dealer cash so factor that into your calculations. Just for reference, the 48mo lease should be about $6 or so less per month than the 36mo.

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

  At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
08 Infiniti EX35 Journey 2WD $33,462* $36,315 $717 $421 $844 $500
08 Infiniti EX35 Journey AWD $34,745* $37,715 $716 $437 $683 $848

  • Inception fees (1st month payment, DMV, doc fee, bank fee, tire tax and possible security deposit) will be paid at signing.
  • Local Taxes not included.
  • 24-month/15k and 36-month/15k terms.
  • All cars are stock, without any options.
  • Cars ranked from lowest payment to highest payment.
  • Yellow boxes denotes “lowest” lease payments for each car.

2008 Infiniti EX35 Journey 2WD
24 Month – Residual 53% of MSRP – .00280 Base Rate
36 Month – Residual 50% of MSRP – .00019 Base Rate
48 Month – Residual 41% of MSRP – .00081 Base Rate
60 Month – Residual 35% of MSRP – .00185 Base Rate

2008 Infiniti EX35 Journey AWD
24 Month – Residual 55% of MSRP – .00280 Base Rate
36 Month – Residual 51% of MSRP – .00038 Base Rate
48 Month – Residual 42% of MSRP – .00098 Base Rate
60 Month – Residual 36% of MSRP – .00200 Base Rate

QUICK LINKS:
LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2008 Infiniti EX35 2WD
24 Month – Residual 57% of MSRP – .00280 Base Rate
36 Month – Residual 53% of MSRP – .00019 Base Rate
48 Month – Residual 44% of MSRP – .00081 Base Rate
60 Month – Residual 37% of MSRP – .00185 Base Rate

2008 Infiniti EX35 AWD
24 Month – Residual 59% of MSRP – .00280 Base Rate
36 Month – Residual 55% of MSRP – .00038 Base Rate
48 Month – Residual 45% of MSRP – .00098 Base Rate
60 Month – Residual 39% of MSRP – .00200 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

October 2008 Lease Rate for 09 Audi TT

Published by G

My Take: The TT leases look good enough to look into this month. Unfortunately, there isn’t any dealer or manufacturer cash floating around, so you will need to put on your negotiator hat for this one. Just keep in mind that this is a buyers market, so if you have any reservations about the deal, walk away from it. As for me, I doubt this car will ever see the comforts of my garage. The bargain hunter in me cannot justify a 4cyl two-seater that costs well over $40k equipped the way I like it.

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

  At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
09 Audi TT 2.0T Premium S $33,560 $36,025 $539 $464 $646 $536
09 Audi TT 2.0T Premium quattro S $35,516 $38,125 $570 $491 $683 $567

  • Inception fees (1st month payment, DMV, doc fee, bank fee, tire tax and possible security deposit) will be paid at signing.
  • Local Taxes not included.
  • 24-month/15k and 36-month/15k terms.
  • All cars are stock, without any options.
  • Cars ranked from lowest payment to highest payment.
  • Yellow boxes denotes “lowest” lease payments for each car.

2009 Audi TT 2.0T Premium S tronic Coupe
24 Month – Residual 63% of MSRP – .00154 Base Rate
36 Month – Residual 55% of MSRP – .00154 Base Rate
48 Month – Residual 44% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Premium quattro S tronic Coupe
24 Month – Residual 63% of MSRP – .00154 Base Rate
36 Month – Residual 55% of MSRP – .00154 Base Rate
48 Month – Residual 44% of MSRP – .00331 Base Rate

QUICK LINKS:
LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2009 Audi TT 2.0T Premium Plus S tronic Coupe
24 Month – Residual 60% of MSRP – .00140 Base Rate
36 Month – Residual 52% of MSRP – .00140 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Prestige S tronic Coupe
24 Month – Residual 59% of MSRP – .00140 Base Rate
36 Month – Residual 51% of MSRP – .00140 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Premium Plus quattro S tronic Coupe
24 Month – Residual 61% of MSRP – .00154 Base Rate
36 Month – Residual 53% of MSRP – .00154 Base Rate
48 Month – Residual 42% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Prestige quattro S tronic Coupe
24 Month – Residual 60% of MSRP – .00154 Base Rate
36 Month – Residual 52% of MSRP – .00154 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Premium Plus quattro 6-speed Coupe
24 Month – Residual 61% of MSRP – .00181 Base Rate
36 Month – Residual 53% of MSRP – .00181 Base Rate
48 Month – Residual 43% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Premium Plus quattro S tronic Coupe
24 Month – Residual 61% of MSRP – .00181 Base Rate
36 Month – Residual 53% of MSRP – .00181 Base Rate
48 Month – Residual 43% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Prestige quattro 6-speed Coupe
24 Month – Residual 60% of MSRP – .00181 Base Rate
36 Month – Residual 52% of MSRP – .00181 Base Rate
48 Month – Residual 42% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Prestige quattro S tronic Coupe
24 Month – Residual 60% of MSRP – .00181 Base Rate
36 Month – Residual 52% of MSRP – .00181 Base Rate
48 Month – Residual 42% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Premium S tronic Cabriolet
24 Month – Residual 61% of MSRP – .00108 Base Rate
36 Month – Residual 53% of MSRP – .00108 Base Rate
48 Month – Residual 42% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Premium Plus S tronic Cabriolet
24 Month – Residual 59% of MSRP – .00108 Base Rate
36 Month – Residual 51% of MSRP – .00108 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Prestige S tronic Cabriolet
24 Month – Residual 59% of MSRP – .00108 Base Rate
36 Month – Residual 51% of MSRP – .00108 Base Rate
48 Month – Residual 40% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Premium quattro S tronic Cabriolet
24 Month – Residual 62% of MSRP – .00123 Base Rate
36 Month – Residual 54% of MSRP – .00123 Base Rate
48 Month – Residual 43% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Premium Plus quattro S tronic Cabriolet
24 Month – Residual 60% of MSRP – .00123 Base Rate
36 Month – Residual 52% of MSRP – .00123 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

2009 Audi TT 2.0T Prestige quattro S tronic Cabriolet
24 Month – Residual 59% of MSRP – .00123 Base Rate
36 Month – Residual 51% of MSRP – .00123 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Premium Plus quattro 6-speed Cabriolet
24 Month – Residual 60% of MSRP – .00148 Base Rate
36 Month – Residual 52% of MSRP – .00148 Base Rate
48 Month – Residual 42% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Premium Plus quattro S tronic Cabriolet
24 Month – Residual 60% of MSRP – .00148 Base Rate
36 Month – Residual 52% of MSRP – .00148 Base Rate
48 Month – Residual 42% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Prestige quattro 6-speed Cabriolet
24 Month – Residual 59% of MSRP – .00148 Base Rate
36 Month – Residual 51% of MSRP – .00148 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

2009 Audi TT 3.2L Prestige quattro S tronic Cabriolet
24 Month – Residual 59% of MSRP – .00148 Base Rate
36 Month – Residual 51% of MSRP – .00148 Base Rate
48 Month – Residual 41% of MSRP – .00331 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

October 2008 Lease Rates for 09 Audi A5/S5 and A8/S8

Published by G

My Take: Nothing to sing about here. The A5/S5 still has pretty high money factors, granted they have dropped some since it’s introduction. The A8/S8 suffers from poor residual values, otherwise, the money factors look pretty good. Unfortunately, we need both numbers to be good in order to have a decent deal on our hands, so my suggestion is to skip them both this month.

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

QUICK LINKS:

LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2009 Audi A5 6-Speed Coupe
24 Month – Residual 62% of MSRP – .00304 Base Rate
36 Month – Residual 54% of MSRP – .00304 Base Rate
48 Month – Residual 43% of MSRP – .00324 Base Rate

2009 Audi A5 Tiptronic Coupe
24 Month – Residual 62% of MSRP – .00304 Base Rate
36 Month – Residual 54% of MSRP – .00304 Base Rate
48 Month – Residual 43% of MSRP – .00324 Base Rate

2009 Audi S5 6-Speed Coupe
24 Month – Residual 66% of MSRP – .00304 Base Rate
36 Month – Residual 58% of MSRP – .00304 Base Rate
48 Month – Residual 46% of MSRP – .00324 Base Rate

2009 Audi S5 Tiptronic Coupe
24 Month – Residual 66% of MSRP – .00304 Base Rate
36 Month – Residual 58% of MSRP – .00304 Base Rate
48 Month – Residual 46% of MSRP – .00324 Base Rate

2009 Audi A8 quattro
24 Month – Residual 48% of MSRP – .00048 Base Rate
36 Month – Residual 40% of MSRP – .00048 Base Rate
48 Month – Residual 30% of MSRP – .00321 Base Rate

2009 Audi A8 L quattro
24 Month – Residual 48% of MSRP – .00049 Base Rate
36 Month – Residual 40% of MSRP – .00049 Base Rate
48 Month – Residual 30% of MSRP – .00321 Base Rate

2009 Audi A8 L W12 quattro
24 Month – Residual 41% of MSRP – .00491 Base Rate
36 Month – Residual 33% of MSRP – .00491 Base Rate
48 Month – Residual 25% of MSRP – .00511 Base Rate

2009 Audi S8 Sedan
24 Month – Residual 52% of MSRP – .00301 Base Rate
36 Month – Residual 44% of MSRP – .00301 Base Rate
48 Month – Residual 35% of MSRP – .00321 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

October 2008 Lease Rate for 09 Audi A3

Published by G

My Take: Yickes, the A3 isn’t exactly a deal right now with those high money factors. I wouldn’t recommend leasing this car this month unless you like paying high interest rates. It seems the 2nd half of the year is truly not as good as the 1st half of the year when it comes to leasing.

Got questions? Post it on the RIDE Auto Forum! Sign up HERE. If you like the site and would like to receive my latest posts, you may want to consider subscribing to our newsletter on a reader or have it delivered to your email.

QUICK LINKS:

LEASE CALCULATOR (requires MS Excel)
THE LIST, monthly list of car rankings on monthly payments

2009 Audi A3 2.0T 6-speed Hatchback
24 Month – Residual 60% of MSRP – .00299 Base Rate
36 Month – Residual 52% of MSRP – .00299 Base Rate
48 Month – Residual 45% of MSRP – .00319 Base Rate

2009 Audi A3 2.0T S tronic Hatchback
24 Month – Residual 60% of MSRP – .00299 Base Rate
36 Month – Residual 52% of MSRP – .00299 Base Rate
48 Month – Residual 45% of MSRP – .00319 Base Rate

2009 Audi A3 2.0T Premium 6-speed Hatchback
24 Month – Residual 58% of MSRP – .00299 Base Rate
36 Month – Residual 50% of MSRP – .00299 Base Rate
48 Month – Residual 43% of MSRP – .00319 Base Rate

2009 Audi A3 2.0T Premium S tronic Hatchback
24 Month – Residual 58% of MSRP – .00299 Base Rate
36 Month – Residual 50% of MSRP – .00299 Base Rate
48 Month – Residual 43% of MSRP – .00319 Base Rate

2009 Audi A3 2.0T quattro S tronic Hatchback
24 Month – Residual 61% of MSRP – .00299 Base Rate
36 Month – Residual 53% of MSRP – .00299 Base Rate
48 Month – Residual 46% of MSRP – .00319 Base Rate
2009 Audi A3 2.0T S-Line 6-speed Hatchback
24 Month – Residual 58% of MSRP – .00299 Base Rate
36 Month – Residual 50% of MSRP – .00299 Base Rate
48 Month – Residual 43% of MSRP – .00319 Base Rate

2009 Audi A3 2.0T S-Line S tronic Hatchback
24 Month – Residual 58% of MSRP – .00299 Base Rate
36 Month – Residual 50% of MSRP – .00299 Base Rate
48 Month – Residual 43% of MSRP – .00319 Base Rate

2009 Audi A3 2.0T S-Line quattro S tronic Hatchback
24 Month – Residual 59% of MSRP – .00299 Base Rate
36 Month – Residual 51% of MSRP – .00299 Base Rate
48 Month – Residual 44% of MSRP – .00319 Base Rate

2009 Audi A3 3.2 S-Line quattro S tronic Hatchback
24 Month – Residual 57% of MSRP – .00299 Base Rate
36 Month – Residual 49% of MSRP – .00299 Base Rate
48 Month – Residual 42% of MSRP – .00319 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com