Money Factor

September 2008 Lease Rate for 08 Mazda CX-9

Published by G

My Take: I think the residual value on the CX9 has dropped to the point where not even the low MF can save it. If you check out The List, you’ll see how the CX9 Touring AWD comes in at just a tad above the IS350 in terms of monthly payments. Which would you rather have?

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  • CX-9 Touring AWD
  • MSRP $33,550
  • Invoice $31,070
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2008 Mazda CX-9 Touring AWD
24 Month – Residual 58% of MSRP – .00044 Base Rate
36 Month – Residual 48% of MSRP – .00110 Base Rate

24mo Payment: $506 at invoice, $610 at MSRP
36mo Payment: $467 at invoice, $539 at MSRP

Check out THE LIST to see how this car ranks among other models

2008 Mazda CX-9 Sport 2WD
24 Month – Residual 56% of MSRP – .00044 Base Rate
36 Month – Residual 46% of MSRP – .00110 Base Rate

2008 Mazda CX-9 Touring 2WD
24 Month – Residual 56% of MSRP – .00044 Base Rate
36 Month – Residual 46% of MSRP – .00110 Base Rate

2008 Mazda CX-9 Grand Touring 2WD
24 Month – Residual 56% of MSRP – .00044 Base Rate
36 Month – Residual 46% of MSRP – .00110 Base Rate

2008 Mazda CX-9 Sport AWD
24 Month – Residual 58% of MSRP – .00044 Base Rate
36 Month – Residual 48% of MSRP – .00110 Base Rate

2008 Mazda CX-9 Grand Touring AWD
24 Month – Residual 58% of MSRP – .00044 Base Rate
36 Month – Residual 48% of MSRP – .00110 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

September 2008 Lease Rate for 09 Lincoln MKS

Published by G

My Take: I did this more out of curiosity more than anything else. The MF is fairly low here and the residual is “so-so”. So what’s the problem? This car is way overpriced. Can you imagine a Lincoln MKS, STOCK, going for $40k? Yeah, I can’t either.

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  • MKS Sedan AWD, Stock
  • MSRP $40,355
  • Invoice $37,219
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2009 Lincoln MKS Sedan AWD
24 Month – Residual 63% of MSRP – .00052 Base Rate
36 Month – Residual 53% of MSRP – .00052 Base Rate

24mo Payment: $524 at invoice, $656 at MSRP
36mo Payment: $470 at invoice, $559 at MSRP

2009 Lincoln MKS Sedan
24 Month – Residual 62% of MSRP – .00052 Base Rate
36 Month – Residual 52% of MSRP – .00052 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

September 2008 Lease Rate for 09 Mercedez Benz C-Class

Published by G

My Take: I have yet to see a “solid” deal on a C-Class since I started this blog. Bone stock, the C300 Sport 4matic already costs nearly $500 a month + inception fees. Better deals can be had elsewhere right now if you ask me. Other sedans to consider are of course the A4, 328i, IS250 or the G35 sedan, soon to be G37 sedan.

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  • C300 Sport 4matic, Stock
  • MSRP $36,275
  • Invoice $33,797
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2009 Mercedes C300 Sport 4matic
24 Month – Residual 67% of MSRP – .00223 Base Rate
36 Month – Residual 56% of MSRP – .00223 Base Rate
48 Month – Residual 47% of MSRP – .00239 Base Rate

24mo Payment: $525 at invoice, $634 at MSRP
36mo Payment: $495 at invoice, $570 at MSRP

2009 Mercedes C300 Luxury
24 Month – Residual 67% of MSRP – .00236 Base Rate
36 Month – Residual 56% of MSRP – .00248 Base Rate
48 Month – Residual 46% of MSRP – .00248 Base Rate

2009 Mercedes C300 Luxury 4matic
24 Month – Residual 67% of MSRP – .00223 Base Rate
36 Month – Residual 56% of MSRP – .00239 Base Rate
48 Month – Residual 47% of MSRP – .00239 Base Rate

2009 Mercedes C300 Sport
24 Month – Residual 67% of MSRP – .00236 Base Rate
36 Month – Residual 56% of MSRP – .00248 Base Rate
48 Month – Residual 47% of MSRP – .00248 Base Rate

2009 Mercedes C350 Sport
24 Month – Residual 62% of MSRP – .00385 Base Rate
36 Month – Residual 52% of MSRP – .00350 Base Rate
48 Month – Residual 47% of MSRP – .00350 Base Rate
60 Month – Residual 40% of MSRP – .00350 Base Rate

2009 Mercedes C63 AMG
24 Month – Residual 63% of MSRP – .00385 Base Rate
36 Month – Residual 53% of MSRP – .00350 Base Rate
48 Month – Residual 48% of MSRP – .00350 Base Rate
60 Month – Residual 42% of MSRP – .00350 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

September 2008 Lease Rate for 08/09 Honda Accord and 08 Civic Si

Published by G

My Take: It doesn’t look like Honda is providing any lease support at the moment. You can also see how Honda is discouraging 08 leases by bumping the MF to .00370 on the 24-month leases and using their standard .00270 lease rate for their 36-month leases. If you need me to work up a scenerio here, leave a comment with the terms you are interested in.

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2009 Honda Accord Coupe EX I4 Manual
24 Month – Residual 68% of MSRP – .00249 Base Rate
36 Month – Residual 60% of MSRP – .00249 Base Rate
48 Month – Residual 51% of MSRP – .00255 Base Rate
60 Month – Residual 38% of MSRP – .00270 Base Rate

2009 Honda Accord Coupe EX-L V6 Manual
24 Month – Residual 67% of MSRP – .00249 Base Rate
36 Month – Residual 56% of MSRP – .00249 Base Rate
48 Month – Residual 47% of MSRP – .00255 Base Rate
60 Month – Residual 36% of MSRP – .00270 Base Rate

2008 Honda Accord EX-L V6 w/Navigation Sedan Auto
24 Month – Residual 62% of MSRP – .00370 Base Rate
36 Month – Residual 52% of MSRP – .00270 Base Rate
48 Month – Residual 42% of MSRP – .00255 Base Rate
60 Month – Residual 33% of MSRP – .00270 Base Rate

2008 Honda Civic Coupe Si
24 Month – Residual 67% of MSRP – .00370 Base Rate
36 Month – Residual 58% of MSRP – .00270 Base Rate
48 Month – Residual 48% of MSRP – .00255 Base Rate
60 Month – Residual 39% of MSRP – .00270 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

September 2008 Lease Rate for 08 Lexus IS250

Published by G

My Take: The numbers are up a bit from last month due to the drop in residual. The AWD model takes a 2% hit at 24 months and 3% hit at 36 months. The lease rates of .0008 that were post last month were actually lower from what I’ve seen around the web (.00055). Unfortunately, this month, they are up. So the lease got a bit expensive compared to last month. No word on the RWD model yet, but I will update this post if I come cross them.

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  • IS250 Sedan + Premium Plus Package
  • MSRP $36,160
  • Invoice $31,849
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2008 Lexus IS250 AWD Sedan
24 Month – Residual 58% of MSRP – .00095 Base Rate
36 Month – Residual 51% of MSRP – .00095 Base Rate

24mo Payment: $503 at invoice, $687 at MSRP
36mo Payment: $420 at invoice, $544 at MSRP

Don’t like the numbers? Check out Leasecompare.com and see what 3rd party banks have to offer.

September 2008 Lease Rate for 08 Lexus IS 350

Published by G

My Take: The IS350’s lease rate is quite low this month. Compared to July, the residual only dropped 1%, while the MF dropped from .00245 to .00090. A pretty good deal if you ask me. Are there better alternatives? Certainly, but if you are fixated on an IS350, this isn’t a bad month to take one home. TMV suggests $37,557, about $1300 over invoice. I suspect you can do better.

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  • IS350 Sedan + Luxury Plus Package
  • MSRP $41,455
  • Invoice $36,233
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2008 Lexus IS350 Sedan
24 Month – Residual 55% of MSRP – .00090 Base Rate
36 Month – Residual 48% of MSRP – .00090 Base Rate

24mo Payment: $613 at invoice, $835 at MSRP
36mo Payment: $504 at invoice, $654 at MSRP

Rates provided by Tarry Shebesta from Leasecompare.com

September 2008 Lease Rate for 08 Infiniti G37

Published by G

My Take: Before we get into the numbers, I’d like to apologize for disappearing these past few days without notice. Had a family medical emergency late Monday, so I had to pack my things and skip town last minute. Things are okay now and I just got back tonight, so I should be able to resume with the site updates and email questions. Thanks for your patience.

Anyway, I did find some rates, so I will be posting them in the coming days, so please bare with me here. First of all, the numbers for G37 look BAD this month. I wouldn’t consider leasing the 08 models at all this year. Your better bet would be to wait for the 09s or just buy/finance an 08 model with their low 0.9% APR for up to 60 months. That results in a much better deal. If you are curious as to what APR a money factor of .00215 is, just multiply the MF by 2400 and that should tell you what kind of APR you are paying for. Not a good deal now, is it?

I’m not going to bother with the estimates since I’m recommending that you don’t lease this car. Buy or wait for the 09s instead, that’s money better spent. If you are still considering a lease of the 08 model, then leave a comment and I will crunch some numbers for you.

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2008 Infiniti G37 Coupe –
24 Month – Residual 70% of MSRP – .00179 Base Rate
36 Month – Residual 62% of MSRP – .00215 Base Rate
48 Month – Residual 53% of MSRP – .00194 Base Rate
60 Month – Residual 46% of MSRP – .00215 Base Rate

2008 Infiniti G37 Journey Coupe –
24 Month – Residual 67% of MSRP – .00179 Base Rate
36 Month – Residual 60% of MSRP – .00215 Base Rate
48 Month – Residual 51% of MSRP – .00194 Base Rate
60 Month – Residual 45% of MSRP – .00215 Base Rate

2008 Infiniti G37 Sport Coupe –
24 Month – Residual 68% of MSRP – .00179 Base Rate
36 Month – Residual 61% of MSRP – .00215 Base Rate
48 Month – Residual 52% of MSRP – .00194 Base Rate
60 Month – Residual 45% of MSRP – .00215 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com

September 2008 Lease Rates for 09 Audi A4

Published by G

My Take: Yup, it’s here. The highly anticipated 2009 Audi A4 lease rates are out, and they actually look pretty solid. This is surprising since leasing is supposed to be “bad” in this economy. I personally find it hard to believe that automakers will do away with leasing completely, or make it so unattractive to dissuade us from leasing altogether. I suspect that it all depends on the term and the car being leased.

Add 1% to the residual if you purchase the AudiCare package. That will add $650 more to you sale price, but the increased residual will save you money overall.

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  • A4 2.0T Premium Plus quattro
  • MSRP $37,525
  • Invoice $34,911
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2009 Audi A4 2.0T Premium Plus quattro Tiptronic Sedan
24 Month – Residual 63% of MSRP – .00171 Base Rate
36 Month – Residual 55% of MSRP – .00171 Base Rate
48 Month – Residual 48% of MSRP – .00299 Base Rate

24mo Payment: $570 at invoice, $683 at MSRP
36mo Payment: $491 at invoice, $568 at MSRP

Be very careful here. If you pick the prestige package, that’s a whole different car with lower residuals and MF. This is just for the premium package. If you haven’t noticed, there isn’t a FWD version of the A4 sedan anymore. Which explain the bump of around $3k on the base price tag. TMV Suggest a sale price of $37,354, which is practically nothing. I’m not surprised. This car is redesigned after all. Still a bit expensive for my taste if you ask me. I would probably look at the 09 C300, I hear that $1000 below invoice is not unheard of.

  • A4 2.0T Cabriolet + Convenience + iPod + Metallic Paint
  • MSRP $43,675
  • Invoice $40,676
  • Standard inception fees + tax not included
  • Residuals posted are for 15K miles/year.

2009 Audi A4 2.0T Cabriolet
24 Month – Residual 62% of MSRP – .00096 Base Rate
36 Month – Residual 54% of MSRP – .00096 Base Rate

24mo Payment: $632 at invoice, $759 at MSRP
36mo Payment: $536 at invoice, $623 at MSRP

This one is one is for you Dianne. ^_^ The numbers look pretty good for the A4 Cabrio. So I would recommend it if you are looking for a Convertible. The numbers are certainly better looking than the 3-series right now. With very limited convertibles in the entry-level luxury segment, this one is certianly worth checking out. Who knows, Audi just might not jerk you around like BMW normally does.

Rest of the A4 line up
Numbers look pretty decent, but there is room to go lower. Don’t expect crazy sub $400 a month deals any time soon (ever?). I think as the residuals drop, Audi will adjust the MF to keep the payments around the same ballpark.

2009 Audi A4 2.0T Premium quattro Tiptronic Sedan
24 Month – Residual 65% of MSRP – .00171 Base Rate
36 Month – Residual 57% of MSRP – .00171 Base Rate

2009 Audi A4 2.0T Prestige quattro Tiptronic Sedan
24 Month – Residual 60% of MSRP – .00171 Base Rate
36 Month – Residual 52% of MSRP – .00171 Base Rate
48 Month – Residual 45% of MSRP – .00299 Base Rate

2009 Audi A4 3.2T Premium Plus quattro Tiptronic Sedan
24 Month – Residual 63% of MSRP – .00169 Base Rate
36 Month – Residual 55% of MSRP – .00169 Base Rate
48 Month – Residual 48% of MSRP – .00299 Base Rate

2009 Audi A4 3.2T Prestige quattro Tiptronic Sedan
24 Month – Residual 60% of MSRP – .00169 Base Rate
36 Month – Residual 52% of MSRP – .00169 Base Rate
48 Month – Residual 45% of MSRP – .00299 Base Rate

2009 Audi A4 2.0T Premium quattro Tiptronic Avant
24 Month – Residual 64% of MSRP – .00167 Base Rate
36 Month – Residual 56% of MSRP – .00167 Base Rate
48 Month – Residual 49% of MSRP – .00299 Base Rate

2009 Audi A4 2.0T Premium Plus quattro Tiptronic Avant
24 Month – Residual 62% of MSRP – .00167 Base Rate
36 Month – Residual 54% of MSRP – .00167 Base Rate
48 Month – Residual 47% of MSRP – .00299 Base Rate

2009 Audi A4 2.0T Prestige quattro Tiptronic Avant
24 Month – Residual 58% of MSRP – .00167 Base Rate
36 Month – Residual 50% of MSRP – .00167 Base Rate
48 Month – Residual 43% of MSRP – .00299 Base Rate

2009 Audi A4 2.0T quattro Cabriolet
24 Month – Residual 62% of MSRP – .00092 Base Rate
36 Month – Residual 54% of MSRP – .00092 Base Rate
48 Month – Residual 43% of MSRP – .00299 Base Rate

2008 Audi A4 3.2L quattro Cabriolet
24 Month – Residual 60% of MSRP – .00127 Base Rate
36 Month – Residual 52% of MSRP – .00127 Base Rate
48 Month – Residual 42% of MSRP – .00299 Base Rate

Rates provided by Tarry Shebesta from Leasecompare.com