Money Factor

201212-bmw-i8-concept

2013 BMW Lease Rates – December 2012

Published by G

UPDATE: Added missing models.

Hi all! Thank you very much for your patience last month. As you know, we had a major crisis out east, so I couldn’t get my hands on November numbers for many brands. Things should be getting back to normal now. Please note, this is the end of the year so most brands will be aggressive with their sales in order to close out the year strong. There is at least $1000 in rebates on all BMWs, that includes the Ms, so do your research well in advance because it could save you thousands!

PS- I am aware this is hardly the complete list of model. If you do not see the numbers you are looking for you can either wait to see if I update this post, or you can contact your local dealer for their numbers. I do my best to update the numbers as I get them so please refrain from flooding the comment boxes with requests. Thank you!

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2013 BMW 128i Coupe
36 Month – Residual 56% of MSRP – .00125 Base Rate

2013 BMW 128i Convertible
36 Month – Residual 57% of MSRP – .00125 Base Rate

2013 BMW 135i Coupe
36 Month – Residual 57% of MSRP – .00125 Base Rate

2013 BMW 135i Convertible
36 Month – Residual 57% of MSRP – .00125 Base Rate
2013 BMW 328i Coupe
36 Month – Residual 61% of MSRP – .00125 Base Rate

2013 BMW 328xi Coupe
36 Month – Residual 61% of MSRP – .00125 Base Rate

2013 BMW 328i Convertible
36 Month – Residual 61% of MSRP – .00125 Base Rate

2013 BMW 335i Coupe
36 Month – Residual 60% of MSRP – .00125 Base Rate

2013 BMW 335is Coupe
36 Month – Residual 61% of MSRP – .00125 Base Rate

2013 BMW 335xi Coupe
36 Month – Residual 61% of MSRP – .00125 Base Rate

2013 BMW 335i Convertible
36 Month – Residual 61% of MSRP – .00125 Base Rate

2013 BMW 335is Convertible
36 Month – Residual 61% of MSRP – .00125 Base Rate

2013 BMW 328i Sedan
36 Month – Residual 58% of MSRP – .00130 Base Rate

2013 BMW 328i Sedan xDrive
36 Month – Residual 58% of MSRP – .00130 Base Rate

2013 BMW 335i Sedan
36 Month – Residual 58% of MSRP – .00130 Base Rate

2013 BMW 335i Sedan xDrive
36 Month – Residual 58% of MSRP – .00130 Base Rate

2013 BMW M3 Coupe
36 Month – Residual 59% of MSRP – .00125 Base Rate

2013 BMW M3 Convertible
36 Month – Residual 58% of MSRP – .00125 Base Rate

2013 BMW 528i Sedan
36 Month – Residual 55% of MSRP – .00130 Base Rate

2013 BMW 528i xDrive Sedan
36 Month – Residual 56% of MSRP – .00130 Base Rate

2012 BMW 535i Sedan
36 Month – Residual 57% of MSRP – .00125 Base Rate

2013 BMW 535i xDrive Sedan
36 Month – Residual 58% of MSRP – .00125 Base Rate

2013 BMW 550i Sedan
36 Month – Residual 55% of MSRP – .00125 Base Rate

2013 BMW 550i xDrive Sedan
36 Month – Residual 55% of MSRP – .00125 Base Rate

2013 BMW 550i GT xDrive Sedan
36 Month – Residual 56% of MSRP – .00125 Base Rate

2013 BMW 650i Coupe
36 Month – Residual 53% of MSRP – .00125 Base Rate

2013 BMW 650i Convertible
36 Month – Residual 53% of MSRP – .00125 Base Rate

2013 BMW 740i Sedan
36 Month – Residual 50% of MSRP – .00125 Base Rate
2013 BMW 740Li Sedan
36 Month – Residual 51% of MSRP – .00125 Base Rate

2013 BMW 750i Sedan
36 Month – Residual 53% of MSRP – .00125 Base Rate

2013 BMW 750i xDrive Sedan
36 Month – Residual 53% of MSRP – .00125 Base Rate

2013 BMW 750li Sedan
36 Month – Residual 53% of MSRP – .00125 Base Rate

2013 BMW 750li xDrive Sedan
36 Month – Residual 53% of MSRP – .00125 Base Rate

2013 BMW Z4 sDrive28i
36 Month – Residual 60% of MSRP – .00125 Base Rate

2013 BMW Z4 sDrive35i
36 Month – Residual 60% of MSRP – .00125 Base Rate

2013 BMW Z4 sDrive35is
36 Month – Residual 60% of MSRP – .00125 Base Rate

2013 BMW X1 xDrive28i SUV
36 Month – Residual 57% of MSRP – .00125 Base Rate

2013 BMW X3 xDrive28i SUV
36 Month – Residual 56% of MSRP – .00125 Base Rate

2013 BMW X3 xDrive35i SUV
36 Month – Residual 57% of MSRP – .00135 Base Rate

2013 BMW X5 xDrive35i Premium SUV
36 Month – Residual 54% of MSRP – .00135 Base Rate

2012 BMW X5 xDrive35d Diesel SUV
36 Month – Residual 51% of MSRP – .00125 Base Rate

2013 BMW X5 xDrive35i Sport Activity SUV
36 Month – Residual 54% of MSRP – .00125 Base Rate

2013 BMW X5 xDrive50i SUV
36 Month – Residual 56% of MSRP – .00125 Base Rate

2013 BMW X5 M SUV
36 Month – Residual 52% of MSRP – .00125 Base Rate

2013 BMW X6 xDrive35i Crossover
36 Month – Residual 56% of MSRP – .00125 Base Rate

2013 BMW X6 xDrive50i Crossover
36 Month – Residual 57% of MSRP – .00125 Base Rate

2013 BMW X6 M Crossover
36 Month – Residual 51% of MSRP – .00125 Base Rate

2013 BMW 640i Gran Coupe
36 Month – Residual 54% of MSRP – .00125 Base Rate

2013 BMW 650i xDrive Gran Coupe
36 Month – Residual 54% of MSRP – .00125 Base Rate

201212-acura-nsx

2013 Acura Lease Rates – December 2012

Published by G

Updated! Added some 2012 and 2013 models plus revised some numbers.

Numbers looking pretty good this month. There is also some lease cash on select models so be sure to inquire about those. Acura has one of the best lease programs in town, so if you have never leased before, they are probably one of the best ones to go with. No disposition fees, damage waivers, no security deposit, no purchase-option fees. They even let you roll over unused miles from one lease to another! The only potential problem I see is that their cars are all that popular due to their unusual styling.

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2012 ACURA TSX 4DR SEDAN AT SPECIAL EDITION
36 Month – Residual 52% of MSRP – .00011 Base Rate

2012 ACURA ZDX BASE
36 Month – Residual 48% of MSRP – .00155 Base Rate

2012 ACURA TL BASE
36 Month – Residual 51% of MSRP – .00052 Base Rate

2012 ACURA TL SH-AWD BASE
36 Month – Residual 49% of MSRP – .00052 Base Rate

2013 ACURA TSX BASE
36 Month – Residual 58% of MSRP – .00082 Base Rate

2013 ACURA TL BASE
36 Month – Residual 59% of MSRP – .00118 Base Rate

2013 ACURA TL SH-AWD BASE
36 Month – Residual 57% of MSRP – .00118 Base Rate

2013 Acura MDX
36 Month – Residual 54% of MSRP – .00123 Base Rate

2013 Acura MDX TECH
36 Month – Residual 54% of MSRP – .00150 Base Rate

2013 Acura MDX Advance
36 Month – Residual 49% of MSRP – .00123 Base Rate

2013 Acura RDX TECH
36 Month – Residual 56% of MSRP – .00165 Base Rate

2013 Acura RDX AWD BASE
36 Month – Residual 59% of MSRP – .00155 Base Rate

2013 Acura RDX AWD TECH
36 Month – Residual 56% of MSRP – .00155 Base Rate

2013 Acura ILX 2.0L
36 Month – Residual 60% of MSRP – .00024 Base Rate

2013 Acura ILX Premium
36 Month – Residual 58% of MSRP – .00024 Base Rate

2013 Acura ILX Hybrid
36 Month – Residual 56% of MSRP – .00024 Base Rate

201212-hyundai-azera

2012-13 Hyundai Lease Rates – December 2012

Published by G

Here are December rates. Numbers are not completely horrible even if the MF is a bit high, the higher residual seems to help a lot. There is some cash available on most models so make sure you inquire about them to see if you qualify.

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2013 HYUNDAI AZERA SEDAN
36 Month – Residual 55% of MSRP – .00137 Base Rate

2012 HYUNDAI GENESIS 3.8L V6
36 Month – Residual 55% of MSRP – .00151 Base Rate

2013 HYUNDAI SANTA FE SPORT AWD
36 Month – Residual 61% of MSRP – .00170 Base Rate

2013 HYUNDAI ELANTRA GLS AT
36 Month – Residual 64% of MSRP – .00138 Base Rate

2013 HYUNDAI ACCENT SEDAN GLS AT
36 Month – Residual 56% of MSRP – .00161 Base Rate

2013 HYUNDAI GENESIS COUPE 2.0T AT
36 Month – Residual 58% of MSRP – .00157 Base Rate

2013 HYUNDAI SONATA GLS AT
36 Month – Residual 59% of MSRP – .00123 Base Rate

2013 HYUNDAI SONATA SE 2.0T
36 Month – Residual 60% of MSRP – .00133 Base Rate

2013 HYUNDAI SONATA LIMITED 2.0T
36 Month – Residual 56% of MSRP – .00142 Base Rate

2013 HYUNDAI TUCSON AWD GLS
36 Month – Residual 57% of MSRP – .00113 Base Rate

2013 HYUNDAI VELOSTER COUPE AT
36 Month – Residual 56% of MSRP – .00058 Base Rate

1107_honda_crz

2012-13 Honda Lease Rates – October 2012

Published by G

Nothing too crazy here. New Accord’s numbers came in about what I expected. Relatively high residual along with a high money factor. Last month’s Truecar sales data has the sale of 2013 Accords all over the map. Anywhere from invoice to well over MSRP (silly early adopters…haahaa). Anyway,the car looks solid and should give the Camry, Altima and Sonata some good competition.

Looking over the SUV market, I think prices should drop in the California market because of the insanely high gas prices. If you are a poor schmuck like me who needs the space but doesn’t want to pay over $100 bucks to fill up 3/4 of a tank, go with something more moderate, like a CRV. Not sure I like this month’s numbers on this crossover, though. It needs some Holiday Season cash to sweeten the deal if you ask me.


Here is a sample calculation based on TrueCar’s Southern California sale price and do not include local taxes. Please note that your dealer calculations may vary due to local fees/taxes.

2013 HONDA CR-V 4WD EX-L AT
MSRP – $29575
Sale Price – $27600
Monthly – $344+ tax
RWG Rating – 86.8

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2012 HONDA ACCORD COUPE EX-L V6
36 Month – Residual 47% of MSRP – .00046 Base Rate

2013 HONDA ACCORD SEDAN EX-L V6
36 Month – Residual 58% of MSRP – .00155 Base Rate

2012 HONDA CIVIC COUPE EX AT
36 Month – Residual 55% of MSRP – .00053 Base Rate

2012 HONDA CIVIC SEDAN EX AT
36 Month – Residual 58% of MSRP – .00053 Base Rate

2012 HONDA CROSSTOUR 4WD EX-L
36 Month – Residual 49% of MSRP – .00020 Base Rate

2013 HONDA FIT SPORT HATCHBACK AT
36 Month – Residual 61% of MSRP – .00155 Base Rate

2013 HONDA ODYSSEY EX-L AT
36 Month – Residual 55% of MSRP – .00155 Base Rate

2013 HONDA PILOT 4WD EX-L
36 Month – Residual 55% of MSRP – .00155 Base Rate

2013 HONDA CR-V 4WD EX-L AT
36 Month – Residual 60% of MSRP – .00155 Base Rate

2012 HONDA CR-Z EX AT
36 Month – Residual 58% of MSRP – .00155 Base Rate

1107_vw_eos

2012-13 Volkswagen Lease Rates – October 2012

Published by G

Due to the tough economic times and higher gas prices in California and, the wife and I have been bouncing around the idea of buying out her 2010 Jetta Wolfsburg. Originally, we were looking to get into a Honda Pilot because we could always use the room, unfortunately for us, gas prices have climbed nearly a dollar since last Tuesday here in the LA/OC area, so that idea has quickly gone out the window. So now, we are looking at the possibility of buying out the Jetta (I can get 4-year loan for about 2.5% through my local credit union), which isn’t half bad. Or the alternative is to maybe shop for a Tiguan or GTI and lock in a 0% or 1.9% for 5-years. VW has very good financing terms available which is great if you are open to that.

Personally, think you can go either way. If you can get some significant discounts, these lease rates are actually VERY attractive as well.


Here is a sample calculation based on TrueCar’s Southern California sale price and do not include local taxes. Please note that your dealer calculations may vary due to local fees/taxes.

2013 VOLKSWAGEN CC SPORT PLUS AT
MSRP – $33,675
Sale Price – $30,060
Monthly – $361+ tax
RWG Rating – 92.0

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2013 VOLKSWAGEN CC SPORT PLUS AT
36 Month – Residual 51% of MSRP – .00006 Base Rate

2013 VOLKSWAGEN PASSAT 2.5L S W/ APPEARANCE AT
36 Month – Residual 55% of MSRP – .00009 Base Rate

2013 VOLKSWAGEN EOS KOMFORT AT
36 Month – Residual 54% of MSRP – .00020 Base Rate

2013 VOLKSWAGEN GOLF 2DR HATCHBACK AT
36 Month – Residual 54% of MSRP – .00036 Base Rate

2013 VOLKSWAGEN GTI 2DR HATCHBACK AT
36 Month – Residual 55% of MSRP – .00064 Base Rate

2013 VOLKSWAGEN JETTA SEDAN S AT
36 Month – Residual 55% of MSRP – .00021 Base Rate

2013 VOLKSWAGEN JETTA SEDAN SE AT
36 Month – Residual 55% of MSRP – .00028 Base Rate

2013 VOLKSWAGEN GLI SEDAN AT
36 Month – Residual 55% of MSRP – .00028 Base Rate

2013 VOLKSWAGEN JETTA WAGON S AT
36 Month – Residual 52% of MSRP – .00091 Base Rate

2013 VOLKSWAGEN TOUAREG VR6 SPORT
36 Month – Residual 47% of MSRP – .00001 Base Rate

2013 VOLKSWAGEN TIGUAN S 4MOTION
36 Month – Residual 58% of MSRP – .00045 Base Rate

2012 VOLKSWAGEN ROUTAN S
36 Month – Residual 43% of MSRP – .00006 Base Rate

1107_nissan_juke

2012-13 Nissan Lease Rates – October 2012

Published by G

Not much to say here. Nissan are generally good leases, but the MFs look a bit inflated if you ask me. Fortunately, it looks like Nissan is throwing a lot of cash at their cars to offset the higher MFs. I personally recommend jumping on any remaining 2012. You many not get much of a chance next month because Nissan could easily pull the plug on the lease support and the extra cash on


Here is a sample calculation based on TrueCar’s Southern California sale price and do not include local taxes. Please note that your dealer calculations may vary due to local fees/taxes.

2013 NISSAN ALTIMA SEDAN S
MSRP – $23280
Sale Price – $21500
Monthly – $258+ tax
RWG Rating – 89.8

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2012 NISSAN LEAF 5DR HATCHBACK SV
36 Month – Residual 47% of MSRP – .00003 Base Rate

2012 NISSAN SENTRA 2.0SR CVT
36 Month – Residual 57% of MSRP – .00036 Base Rate

2012 NISSAN VERSA 4DR SEDAN S AT
36 Month – Residual 52% of MSRP – .00200 Base Rate

2012 NISSAN JUKE 2WD S AT
36 Month – Residual 56% of MSRP – .00167 Base Rate

2012 NISSAN MURANO AWD S
36 Month – Residual 54% of MSRP – .00078 Base Rate

2012 NISSAN ROGUE AWD S
36 Month – Residual 58% of MSRP – .00120 Base Rate

2012 NISSAN PATHFINDER S 4WD
36 Month – Residual 49% of MSRP – .00003 Base Rate

2012 NISSAN CUBE 5DR WAGON S CVT
36 Month – Residual 49% of MSRP – .00200 Base Rate

2013 NISSAN ALTIMA SEDAN S
36 Month – Residual 60% of MSRP – .00138 Base Rate

2013 NISSAN MAXIMA S
36 Month – Residual 58% of MSRP – .00168 Base Rate

2013 NISSAN ALTIMA COUPE S CVT
36 Month – Residual 56% of MSRP – .00184 Base Rate

hyundai_tucson

2012-13 Hyundai Lease Rates – October 2012

Published by G

Looks like Hyundai revised their rates a bit. I didn’t expect rates to change this month, but it looks like residuals have dropped so Hyundai had to drop the money factor too. Shouldn’t be a huge chance from last month in terms of payments though. I’m eagerly anticipating the Holiday season. I am hoping for big things. BTW, the Santa Fe is out and it look GREAT!


Here is a sample calculation based on TrueCar’s Southern California sale price and do not include local taxes. Please note that your dealer calculations may vary due to local fees/taxes.

2013 HYUNDAI SONATA SE 2.0T
MSRP – $25,670
Sale Price – $23600
Monthly – $280+ tax
RWG Rating – 90.9

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2013 HYUNDAI AZERA SEDAN
36 Month – Residual 55% of MSRP – .00137 Base Rate

2012 HYUNDAI GENESIS 3.8L V6
36 Month – Residual 55% of MSRP – .00070 Base Rate

2013 HYUNDAI SANTA FE SPORT AWD
36 Month – Residual 61% of MSRP – .00170 Base Rate

2013 HYUNDAI ELANTRA GLS AT
36 Month – Residual 64% of MSRP – .00138 Base Rate

2013 HYUNDAI ACCENT SEDAN GLS AT
36 Month – Residual 56% of MSRP – .00161 Base Rate

2013 HYUNDAI GENESIS COUPE 2.0T AT
36 Month – Residual 58% of MSRP – .00157 Base Rate

2013 HYUNDAI SONATA GLS AT
36 Month – Residual 59% of MSRP – .00123 Base Rate

2013 HYUNDAI SONATA SE 2.0T
36 Month – Residual 60% of MSRP – .00133 Base Rate

2013 HYUNDAI SONATA LIMITED 2.0T
36 Month – Residual 56% of MSRP – .00142 Base Rate

2013 HYUNDAI TUCSON AWD GLS
36 Month – Residual 57% of MSRP – .00113 Base Rate

2013 HYUNDAI VELOSTER COUPE AT
36 Month – Residual 56% of MSRP – .00058 Base Rate

1106_acura_zdx

2012-13 Acura Lease Rates – October 2012

Published by G

Pretty much the same for most models. Saw the car in person at the OC Auto Show and came away impressed in terms of what the car offered. I think the mainstream buyer probably wouldn’t suspect that this car was based off the Civic. I do have my concerns about the drivetrain though. I haven’t driven it, but I fear it may be a bit gutless in terms of performance. The good news is that lease looks pretty cheap (see below)


Here is a sample calculation based on TrueCar’s Southern California sale price and do not include local taxes. Please note that your dealer calculations may vary due to local fees/taxes.

2013 Acura ILX 2.0L
MSRP – $26765
Sale Price – $24756 (lowest sales price based on TrueCar sales data)
Monthly – $251+ tax
RWG Rating – 101.6

Support my site by getting your “no obligation” quotes from:
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2012 ACURA TSX 4DR SEDAN AT SPECIAL EDITION
36 Month – Residual 54% of MSRP – .00020 Base Rate

2012 ACURA ZDX BASE
36 Month – Residual 50% of MSRP – .00016 Base Rate

2012 ACURA TL BASE
36 Month – Residual 53% of MSRP – .00052 Base Rate

2012 ACURA TL SH-AWD BASE
36 Month – Residual 51% of MSRP – .00052 Base Rate

2013 Acura MDX
36 Month – Residual 55% of MSRP – .00155 Base Rate

2013 Acura MDX TECH
36 Month – Residual 53% of MSRP – .00155 Base Rate

2013 ACURA RDX AWD BASE
36 Month – Residual 60% of MSRP – .00155 Base Rate

2013 Acura RDX AWD TECH
36 Month – Residual 57% of MSRP – .00155 Base Rate

2013 Acura ILX 2.0L
36 Month – Residual 60% of MSRP – .00024 Base Rate