Money Factor

1201_mercedes_benz_sls

2012 Mercedez-Benz Lease Rates – January 2012

Published by G

Through the month of January, MBFS is offering $2000 in loyalty cash to existing lessees on the C-Class. You can even use that on the new coupe! Making this a pretty sweet lease. I still think MBs lease at a slightly lower monthly payment at 48 months, but 36-months is ideal if you want to keep wear and tear to a minimum. If you are currently leasing a MB and your lease is coming to an end, this might not be a bad month to get into a new one. The dealer isn’t going to discount a lot (I’m seeing a measly 3% off MSRP), but with the bonus cash, I think the deal looks pretty darn good.


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.

2012 Mercedes C250 2dr Coupe
MSRP – $38,095
Sale Price – $34,800 ($2000 loyalty cash applied)
Monthly – $403+ tax
RWG Rating – 92.8

Support my site by getting your “no obligation” quotes from:
Edmunds.com
CarsDirect.com


2012 Mercedes C300 4matic Sport 4dr Sedan
36 Month – Residual 58% of MSRP – .00142 Base Rate

2012 Mercedes C250 Sport 4dr Sedan
36 Month – Residual 59% of MSRP – .00157 Base Rate

2012 Mercedes C250 2dr Coupe
36 Month – Residual 66% of MSRP – .00225 Base Rate

2012 Mercedes C350 2dr Coupe
36 Month – Residual 64% of MSRP – .00225 Base Rate

2012 Mercedes CL550 4matic 2dr Coupe
36 Month – Residual 48% of MSRP – .00225 Base Rate

2012 Mercedes CLS550 4matic 4dr Sedan
36 Month – Residual 54% of MSRP – .00195 Base Rate

2012 Mercedes E350 Sport 4matic 4dr Sedan
36 Month – Residual 52% of MSRP – .00158 Base Rate

2012 Mercedes E350 2dr Coupe
36 Month – Residual 57% of MSRP – .00162 Base Rate

2012 Mercedes E350 2dr Convertible
36 Month – Residual 57% of MSRP – .00167 Base Rate
2012 Mercedes GL450 4matic
36 Month – Residual 55% of MSRP – .00131 Base Rate

2012 Mercedes GLK350 4matic
36 Month – Residual 54% of MSRP – .00135 Base Rate

2012 Mercedes ML350 4matic
36 Month – Residual 56% of MSRP – .00155 Base Rate

2012 Mercedes ML350 BLUETEC
36 Month – Residual 60% of MSRP – .00225 Base Rate

2012 Mercedes R350 4matic
36 Month – Residual 52% of MSRP – .00195 Base Rate

2012 Mercedes S550 4matic
36 Month – Residual 50% of MSRP – .00136 Base Rate

2012 Mercedes SL550 Convertible
36 Month – Residual 54% of MSRP – .00225 Base Rate

2012 Mercedes SLK350 Convertible
36 Month – Residual 53% of MSRP – .00154 Base Rate

1201_honda_civic

2012 Honda Lease Rates – January 2012

Published by G

Honda numbers got a little worse this month. Residuals did drop on most models, but MF were also lowered to compensate. Some models did get a MF bump though (Pilot and CrossTour, to name a couple), but they are still fairly decent leases for vehicles in their respective class. I expect lease rates to remain the same through the end of February, so if you don’t like what you are seeing, hold out to see what March numbers will look like.

Last month’s Pilot EX-L 4WD lease came in at a 92.4 RWG rating. This month it comes in at 88.1, which is not as good due to MF bump and slightly higher average sale price.


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.

2012 HONDA PILOT 4WD EX-L
MSRP – $36,980
Sale Price – $34,031
Monthly – $421+ tax
RWG Rating – 88.1

Support my site by getting your “no obligation” quotes from:
Edmunds.com
CarsDirect.com


2012 HONDA ACCORD COUPE EX-L V6
36 Month – Residual 51% of MSRP – .00033 Base Rate

2012 HONDA ACCORD SEDAN EX-L V6
36 Month – Residual 51% of MSRP – .00033 Base Rate

2012 HONDA ACCORD SEDAN EX AT
36 Month – Residual 56% of MSRP – .00033 Base Rate

2012 HONDA CIVIC COUPE EX AT
36 Month – Residual 58% of MSRP – .00081 Base Rate

2012 HONDA CIVIC SEDAN EX AT
36 Month – Residual 60% of MSRP – .00081 Base Rate

2012 HONDA CROSSTOUR 2WD EX-L
36 Month – Residual 54% of MSRP – .00087 Base Rate

2012 HONDA CROSSTOUR 4WD EX-L
36 Month – Residual 54% of MSRP – .00087 Base Rate

2012 HONDA FIT SPORT HATCHBACK AT
36 Month – Residual 60% of MSRP – .00185 Base Rate

2012 HONDA ODYSSEY EX-L AT
36 Month – Residual 57% of MSRP – .00138 Base Rate

2012 HONDA PILOT 4WD EX-L
36 Month – Residual 55% of MSRP – .00075 Base Rate

2012 HONDA CR-V 4WD EX-L AT
36 Month – Residual 62% of MSRP – .00185 Base Rate

2012 HONDA CR-Z EX AT
36 Month – Residual 62% of MSRP – .00185 Base Rate

2012 HONDA RIDGELINE RTL
36 Month – Residual 55% of MSRP – .00185 Base Rate

1201_nissan_leaf

2012 Nissan Lease Rates – January 2012

Published by G

There is an excellent 24-month lease on the Altima S right now. The MF is a measly 0.00003 and the residual is a whopping 61%! That makes for a pretty slick lease right now. The others aren’t half bad either so don’t forget to check out the incentives (link above) on Edmunds.

One thing to note is that Nissan is notorious for giving customers a lot of cash but that cash typically cannot be combined with their financing (which is fantastic) or leasing (which is also quite good too). So be sure to figure out what best suits your situation (leasing or buying).


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.

2012 NISSAN ALTIMA SEDAN S CVT
MSRP – $23,330
Sale Price – $19,394 ($825 lease bonus applied)
Monthly – $216+ tax
RWG Rating – 105.6

Support my site by getting your “no obligation” quotes from:
Edmunds.com
CarsDirect.com


2012 NISSAN MAXIMA S
36 Month – Residual 58% of MSRP – .00109 Base Rate

2012 NISSAN ALTIMA SEDAN S CVT
36 Month – Residual 54% of MSRP – .00040 Base Rate
24 Month – Residual 63% of MSRP – .00003 Base Rate

2012 NISSAN ALTIMA COUPE S CVT
36 Month – Residual 54% of MSRP – .00073 Base Rate

2012 NISSAN LEAF 5DR HATCHBACK SV
36 Month – Residual 43% of MSRP – .00175 Base Rate

2012 NISSAN SENTRA 2.0SR CVT
36 Month – Residual 60% of MSRP – .00066 Base Rate

2012 NISSAN VERSA 4DR SEDAN S AT
36 Month – Residual 55% of MSRP – .00210 Base Rate

2012 NISSAN JUKE 2WD S AT
36 Month – Residual 52% of MSRP – .00171 Base Rate

2012 NISSAN MURANO AWD S
36 Month – Residual 53% of MSRP – .00077 Base Rate

2012 NISSAN ROGUE AWD S
36 Month – Residual 56% of MSRP – .00105 Base Rate

2012 NISSAN PATHFINDER S 4WD
36 Month – Residual 50% of MSRP – .00072 Base Rate

2012 NISSAN CUBE 5DR WAGON S CVT
36 Month – Residual 48% of MSRP – .00210 Base Rate

1201_audi_s6

2012 Audi Lease Rates – January 2012

Published by G

As usual, Audi dropped the residual and money factor for this month. I haven’t seen an Audi lease I liked, but the A3 always look promising, but usually ends up disappointing. There are two major issues with Audi leases. 1) The combination of sale price, residual and money factor rarely aligns properly in order to provide you with an outstanding lease. 2) Audi does not like it when you trade in your car to non-Audi dealers before lease expires, so the payoff is inflated in order to discourage that practice.

Anyway, moving on to my sample calculation below, the A3 last month yielded a 83.1 RWG rating. This month, the rating drops to 80.7, making it very unattractive. I’m not seeing any incentives on Edmunds right now, but doesn’t mean there aren’t any. I recommend checking the Edmunds Incentives page often because sometimes it just hasn’t been updated yet.

Please note that I am not saying that you shouldn’t lease an Audi. My job here it to let you know that if you are looking for a deal, Audis probably aren’t what you should be driving. However, if you love Audis and will settle for nothing less, make sure you nail a competitive sale price, pick a model that has low money factor and high residual, and opt for MSDs if your state allows them.


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.

2012 AUDI A3 2.0T QUATTRO PREMIUM AT
MSRP – $31,725
Sale Price – $29,802
Monthly – $411+ tax
RWG Rating – 80.7

Support my site by getting your “no obligation” quotes from:
Edmunds.com
CarsDirect.com


2012 AUDI A3 2.0T QUATTRO PREMIUM AT
36 Month – Residual 54% of MSRP – .00126 Base Rate

2012 AUDI A4 2.0T QUATTRO PREMIUM AT
36 Month – Residual 54% of MSRP – .00098 Base Rate

2012 AUDI A5 2.0T COUPE QUATTRO PREMIUM AT
36 Month – Residual 54% of MSRP – .00140 Base Rate

2012 AUDI A5 2.0T CONVERTIBLE QUATTRO PREMIUM AT
36 Month – Residual 53% of MSRP – .00120 Base Rate

2012 AUDI A6 3.0L QUATTRO PREMIUM
36 Month – Residual 49% of MSRP – .00089 Base Rate

2012 AUDI A6 3.0L QUATTRO PREMIUM PLUS
36 Month – Residual 49% of MSRP – .00089 Base Rate

2012 AUDI A7 PREMIUM PLUS
36 Month – Residual 51% of MSRP – .00161 Base Rate

2012 AUDI A8 SEDAN
36 Month – Residual 45% of MSRP – .00077 Base Rate

2012 AUDI Q5 2.0L PREMIUM
36 Month – Residual 51% of MSRP – .00155 Base Rate

2012 AUDI Q7 3.0L PREMIUM
36 Month – Residual 52% of MSRP – .00155 Base Rate

2012 AUDI Q7 3.0L TDI PREMIUM
36 Month – Residual 54% of MSRP – .00154 Base Rate

2012 AUDI S4 PREMIUM PLUS AT
36 Month – Residual 56% of MSRP – .00080 Base Rate

2012 AUDI S5 COUPE PREMIUM PLUS AT
36 Month – Residual 57% of MSRP – .00117 Base Rate

2012 AUDI S5 CONVERTIBLE PREMIUM PLUS AT
36 Month – Residual 56% of MSRP – .00122 Base Rate

2012 AUDI TT 2.0T QUATTRO PREMIUM PLUS
36 Month – Residual 51% of MSRP – .00053 Base Rate

0112_infiniti_g37_convertible

2012 Infiniti Lease Rates – January 2012

Published by G

Pretty standard changes for Infinitis changes this month. An 1% drop in residual value and a slight reduction in MF to compensate for that loss. The Holiday cash incentive is over, so only the Loyalty money is on the table. There are also two other $1000 dealer cash incentives, but they either can’t be use for leasing or cannot be combined with special lease rates so it’s inconsequential. For more information on these rebates, head on over to Edmunds or speak with your dealer.

A word of warning relating to the sale price on my calculation below. Last month, there have been cases were the dealer was only willing to honor the TrueCar “best price” WITHOUT rebates. TrueCar’s “best price” quote DOES NOT include incentives, so it’s disappointing to see that some dealers will not honor the low sale price plus loyalty cash. This doesn’t mean you shouldn’t try for “best price” + incentive, but do not be surprised if the dealer refuses to budge. Regardless of your outcome, even if you manage to get the “best price” (without incentives) you are still getting a killer deal on your lease.


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.

2012 INFINITI G37 JOURNEY SEDAN
MSRP – $37,095
Sale Price – $31,334 ($1000 loyalty cash applied)
Monthly – $313+ tax
RWG Rating – 109.6

Support my site by getting your “no obligation” quotes from:
Edmunds.com
CarsDirect.com


2012 INFINITI EX35 AWD JOURNEY
36 Month – Residual 51% of MSRP – .00119 Base Rate

2012 INFINITI FX35 AWD
36 Month – Residual 53% of MSRP – .00107 Base Rate

2012 INFINITI FX50 AWD
36 Month – Residual 50% of MSRP – .00121 Base Rate

2012 INFINITI G37 COUPE IPL AT
36 Month – Residual 54% of MSRP – .00065 Base Rate

2012 INFINITI G37 COUPE JOURNEY
36 Month – Residual 57% of MSRP – .00065 Base Rate

2012 INFINITI G37 COUPE X AWD
36 Month – Residual 58% of MSRP – .00072 Base Rate

2012 INFINITI G37 COUPE SPORT MANUAL
36 Month – Residual 57% of MSRP – .00065 Base Rate

2012 INFINITI G25 SEDAN JOURNEY
36 Month – Residual 57% of MSRP – .00045 Base Rate

2012 INFINITI G25 SEDAN X AWD
36 Month – Residual 58% of MSRP – .00052 Base Rate

2012 INFINITI G37 SEDAN JOURNEY
36 Month – Residual 57% of MSRP – .00057 Base Rate

2012 INFINITI G37 SEDAN X AWD
36 Month – Residual 58% of MSRP – .00064 Base Rate

2012 INFINITI G37 SEDAN SPORT MANUAL
36 Month – Residual 56% of MSRP – .00057 Base Rate

2012 INFINITI M37 SEDAN X AWD
36 Month – Residual 50% of MSRP – .00001 Base Rate

2012 INFINITI M56 SEDAN X AWD
36 Month – Residual 49% of MSRP – .00091 Base Rate

2012 INFINITI M35H SEDAN HYBRID
36 Month – Residual 50% of MSRP – .00026 Base Rate

2012 INFINITI QX56 4WD
36 Month – Residual 52% of MSRP – .00164 Base Rate

2012 INFINITI G37 CONVERTIBLE BASE
36 Month – Residual 56% of MSRP – .00119 Base Rate

2012 INFINITI G37 CONVERTIBLE SPORT 6MT
36 Month – Residual 57% of MSRP – .00119 Base Rate

0112_bmw_650

2011-12 BMW Lease Rates – January 2012

Published by G

Happy New Year Everyone! I’ve been on vacation until last Tuesday and returned to work with a mountain load of stuff to do. So if you left me some time sensitive comments, I’m really sorry I didn’t get a chance to answer them. Things should be back to normal now that the Holidays are over. Thanks for your understanding.

The have been some lease rates changes throughout the BMW lineup, specially on remaining 2011 3-series. Residual have taken a huge plunge and the money factors have gone up a bit. This expected since they are no longer “new”. Roll over to last month’s numbers and you will see what I mean. 2012 numbers still look alright since the residuals remain strong, the MF needs some work. I recommend “multiple security deposits” for those of you who are allowed to do so (instead of straight cap cost reduction). This should “buy” down the interest rate and save you some bucks. As for the sale price, don’t expect a lot of breaks because the 3-series is newly redesigned. Like all things new; you gotta pay, to play.

There aren’t any market statistics on the 2012 3-series yet, so my sample calculation this month will be based on the 2011 328ix which has a pretty decent 33-month lease going on right now.

Remember to check out Edmunds.com’s Incentives page to see if any rebates may be available.


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.

2011 BMW 328ix Sedan
MSRP – $40,425
Sale Price – $37,360
Monthly – $465+ tax
RWG Rating – 88.1

Support my site by getting your “no obligation” quotes from:
Edmunds.com
CarsDirect.com


2011 BMW 328i Sedan
36 Month – Residual 53% of MSRP – .00185 Base Rate

2011 BMW 328xi Sedan
36 Month – Residual 58% of MSRP – .00185 Base Rate
33 Month – Residual 64% of MSRP – .00185 Base Rate

2011 BMW 335i Sedan
36 Month – Residual 53% of MSRP – .00195 Base Rate

2011 BMW 335xi Sedan
36 Month – Residual 55% of MSRP – .00195 Base Rate
33 Month – Residual 61% of MSRP – .00195 Base Rate

2011 BMW 335d Diesel Sedan
36 Month – Residual 53% of MSRP – .00195 Base Rate

2011 BMW M3 Sedan
36 Month – Residual 49% of MSRP – .00195 Base Rate

2012 BMW 128i Coupe
36 Month – Residual 61% of MSRP – .00195 Base Rate

2012 BMW 128i Convertible
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 135i Coupe
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 135i Convertible
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 328i Coupe
36 Month – Residual 61% of MSRP – .00195 Base Rate

2012 BMW 328xi Coupe
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 328i Wagon
36 Month – Residual 61% of MSRP – .00180 Base Rate

2012 BMW 328xi Wagon
36 Month – Residual 60% of MSRP – .00190 Base Rate

2012 BMW 328i Convertible
36 Month – Residual 63% of MSRP – .00195 Base Rate

2012 BMW 335i Coupe
36 Month – Residual 61% of MSRP – .00195 Base Rate

2012 BMW 335is Coupe
36 Month – Residual 60% of MSRP – .00195 Base Rate

2012 BMW 335xi Coupe
36 Month – Residual 61% of MSRP – .00195 Base Rate

2012 BMW 335i Convertible
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 335is Convertible
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW M3 Coupe
36 Month – Residual 59% of MSRP – .00195 Base Rate

2012 BMW M3 Convertible
36 Month – Residual 60% of MSRP – .00195 Base Rate

2012 BMW 528i Sedan
36 Month – Residual 58% of MSRP – .00190 Base Rate

2012 BMW 528i xDrive Sedan
36 Month – Residual 59% of MSRP – .00190 Base Rate

2012 BMW 535i Sedan
36 Month – Residual 56% of MSRP – .00185 Base Rate

2012 BMW 535i xDrive Sedan
36 Month – Residual 56% of MSRP – .00185 Base Rate

2012 BMW 550i Sedan
36 Month – Residual 56% of MSRP – .00190 Base Rate

2012 BMW 550i xDrive Sedan
36 Month – Residual 56% of MSRP – .00190 Base Rate

2012 BMW 550i GT xDrive Sedan
36 Month – Residual 60% of MSRP – .00195 Base Rate

2012 BMW 650i Coupe
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 650i Convertible
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 740i Sedan
36 Month – Residual 63% of MSRP – .00195 Base Rate

2012 BMW 740Li Sedan
36 Month – Residual 63% of MSRP – .00195 Base Rate

2012 BMW 750i Sedan
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 750i xDrive Sedan
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 750li Sedan
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW 750li xDrive Sedan
36 Month – Residual 62% of MSRP – .00195 Base Rate

2012 BMW X3 xDrive28i SUV
36 Month – Residual 55% of MSRP – .00195 Base Rate

2012 BMW X3 xDrive35i SUV
36 Month – Residual 55% of MSRP – .00195 Base Rate

2012 BMW X5 xDrive35i Premium SUV
36 Month – Residual 59% of MSRP – .00195 Base Rate

2012 BMW X5 xDrive35d Diesel SUV
36 Month – Residual 56% of MSRP – .00195 Base Rate

2012 BMW X5 xDrive35i Sport Activity SUV
36 Month – Residual 58% of MSRP – .00195 Base Rate

2012 BMW X5 xDrive50i SUV
36 Month – Residual 61% of MSRP – .00195 Base Rate

2012 BMW X5 M SUV
36 Month – Residual 54% of MSRP – .00195 Base Rate

2012 BMW X6 xDrive35i Crossover
36 Month – Residual 60% of MSRP – .00195 Base Rate

2012 BMW X6 xDrive50i Crossover
36 Month – Residual 61% of MSRP – .00195 Base Rate

2012 BMW X6 M Crossover
36 Month – Residual 53% of MSRP – .00195 Base Rate

2012 BMW Z4 sDrive28i
36 Month – Residual 65% of MSRP – .00195 Base Rate

2012 BMW Z4 sDrive35i
36 Month – Residual 65% of MSRP – .00195 Base Rate

2012 BMW Z4 sDrive35is
36 Month – Residual 65% of MSRP – .00195 Base Rate

1112_hyundai_genesis_rspec

2012 Hyundai Lease Rates – December 2011

Published by G

Unfortunately, I didn’t find a lot of Hyundai lease rates this month. I really need to get a more reliable source for this because scouring through online forums of this stuff just isn’t cutting it. R-Spec Genesis rates suck, but I’m not surprised since it’s a limited production vehicle. The Veloster looks decent but discount are a measly 2% off MSRP in my area. Not good enough in my opinion. The Sonata numbers look about the same as last month, slight drop in residual, but other than that, MF remains the same. Overall, if you are looking to get a Sonata, look to lease because long-term financing a purchase isn’t all that great (3.9% for 60 months & 4.9% for 72 months).


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.

2012 Hyundai Sonata SE
MSRP – $23,855
Sale Price – $21,106 ($500 loyalty cash applied)
Monthly – $237+ tax
RWG Rating – 97.1

Support my site by getting your “no obligation” quotes from:
TrueCar.com

2012 Hyundai Sonata GLS
36-month | 15k miles | residual 60% | .00119 base money factor

2012 Hyundai Sonata SE
36-month | 15k miles | residual 59% | .00119 base money factor

2012 Hyundai Genesis Sedan R-Spec
36-month | 15k miles | residual 54% | .00180 base money factor

2012 Hyundai Veloster
36-month | 15k miles | residual 59% | .00115 base money factor

1112_volvo_s60

2012 Volvo Lease Rates – December 2011

Published by G

There has been a drop in residual values ranging from 1% to 2% for most models in the line up. Luckily, Volvo has adjusted the Money Factor to keep the lease from tanking. I actually prefer having a lower residual and lower money factor because it gives you the option of buying-out your lease at a more reasonable price should you love your car. If you are curious about the Lease-To-Buy scenario I just described, check out this LINK.

Moving onto a sample Volvo lease, the S60 is still an attractive lease, specially for returning customers. Below you will see a more “REAL WORLD” estimate based on a well-equipped S60 T5 with Sunroof. The lease is still good, but not as enticing as last month. TrueCar indicates about 8% off MSRP in the SoCal region excluding the $1000 loyalty cash is still available, which bumps the discount to about 10%. Without the loyalty cash, the lease drops to a 88.8 RWG rating which is still within an acceptable range, but not as ideal. Given a choice, I would recommend BUYING the car because you can get a lower interest rate of 0.9% for 48 months OR 1.9% for 72 months, both which are much lower than the 2.38% the MF converts to.

Lease rates was made available by the good folks at North Point Volvo. If you are in or near the Alpharetta, GA area and looking for a Volvo, please give them a call.


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.

2012 S60 T-5
MSRP – $40,225
Sale Price – $36,114 ($1000 loyalty applied)
Monthly – $425+ tax
RWG Rating – 93.0

Support my site by getting your “no obligation” quotes from:
TrueCar.com
Yahoo! Autos
For folks in Georgia, contact North Point Volvo in Alpharetta.


2012 C30 T-5
36-month | 15k miles | residual 57% | .00143 base money factor
48-month | 15k miles | residual 46% | .00170 base money factor

2012 C30 T-5 Premier Plus
36-month | 15k miles | residual 56% | .00143 base money factor
48-month | 15k miles | residual 46% | .00170 base money factor

2012 C30 T-5 Platinum
36-month | 15k miles | residual 55% | .00143 base money factor
48-month | 15k miles | residual 45% | .00170 base money factor

2012 C30 T-5 R-Design
36-month | 15k miles | residual 55% | .00143 base money factor
48-month | 15k miles | residual 46% | .00170 base money factor

2012 C30 T-5 R-Design Premier Plus
36-month | 15k miles | residual 54% | .00143 base money factor
48-month | 15k miles | residual 45% | .00170 base money factor

2012 C30 T-5 R-Design Platinum
36-month | 15k miles | residual 53% | .00143 base money factor
48-month | 15k miles | residual 44% | .00170 base money factor

2012 C70 T-5
36-month | 15k miles | residual 53% | .00045 base money factor
48-month | 15k miles | residual 45% | .00104 base money factor

2012 C70 T-5 Premier Plus
36-month | 15k miles | residual 52% | .00045 base money factor
48-month | 15k miles | residual 44% | .00104 base money factor

2012 C70 T-5 Platinum
36-month | 15k miles | residual 51% | .00045 base money factor
48-month | 15k miles | residual 43% | .00104 base money factor

2012 S60 T-5
36-month | 15k miles | residual 57% | .00099 base money factor
48-month | 15k miles | residual 46% | .00144 base money factor

2012 S60 T-6
36-month | 15k miles | residual 54% | .00099 base money factor
48-month | 15k miles | residual 43% | .00144 base money factor

2012 S60 T-6 R-design
36-month | 15k miles | residual 52% | .00099 base money factor
48-month | 15k miles | residual 41% | .00144 base money factor

2012 S80 3.2
36-month | 15k miles | residual 50% | .00009 base money factor
48-month | 15k miles | residual 42% | .00114 base money factor

2012 S80 3.2 Premier Plus
36-month | 15k miles | residual 49% | .00009 base money factor
48-month | 15k miles | residual 41% | .00114 base money factor

2012 S80 3.2 Platinum
36-month | 15k miles | residual 48% | .00009 base money factor
48-month | 15k miles | residual 41% | .00114 base money factor

2012 S80 T-6 Premier Plus
36-month | 15k miles | residual 50% | .00046 base money factor
48-month | 15k miles | residual 43% | .00121 base money factor

2012 S80 T-6 Platinum
36-month | 15k miles | residual 49% | .00046 base money factor
48-month | 15k miles | residual 42% | .00121 base money factor

2012 XC-60 T-6 R-design
36-month | 15k miles | residual 49% | .00122 base money factor
48-month | 15k miles | residual 39% | .00148 base money factor

2012 XC-60 T-6 R-design Premier Plus
36-month | 15k miles | residual 48% | .00122 base money factor
48-month | 15k miles | residual 38% | .00148 base money factor

2012 XC-60 T-6 R-design Platinum
36-month | 15k miles | residual 47% | .00122 base money factor
48-month | 15k miles | residual 37% | .00148 base money factor

2012 XC-60 T-6
36-month | 15k miles | residual 51% | .00122 base money factor
48-month | 15k miles | residual 40% | .00148 base money factor

2012 XC-60 T-6 Premier Plus
36-month | 15k miles | residual 50% | .00122 base money factor
48-month | 15k miles | residual 39% | .00148 base money factor

2012 XC-60 T-6 Platinum
36-month | 15k miles | residual 48% | .00122 base money factor
48-month | 15k miles | residual 38% | .00148 base money factor

2012 XC-60 3.2 AWD
36-month | 15k miles | residual 50% | .00122 base money factor
48-month | 15k miles | residual 39% | .00148 base money factor

2012 XC-60 3.2 AWD Premier
36-month | 15k miles | residual 50% | .00122 base money factor
48-month | 15k miles | residual 39% | .00148 base money factor

2012 XC-60 3.2 AWD Premier Plus
36-month | 15k miles | residual 49% | .00122 base money factor
48-month | 15k miles | residual 38% | .00148 base money factor

2012 XC-60 3.2 AWD Platinum
36-month | 15k miles | residual 48% | .00122 base money factor
48-month | 15k miles | residual 37% | .00148 base money factor

2012 XC-60 3.2 FWD
36-month | 15k miles | residual 48% | .00122 base money factor
48-month | 15k miles | residual 37% | .00148 base money factor

2012 XC-60 3.2 FWD Premier
36-month | 15k miles | residual 48% | .00122 base money factor
48-month | 15k miles | residual 37% | .00148 base money factor

2012 XC-60 3.2 FWD Premier Plus
36-month | 15k miles | residual 47% | .00122 base money factor
48-month | 15k miles | residual 37% | .00148 base money factor

2012 XC-60 3.2 FWD Platinum
36-month | 15k miles | residual 47% | .00122 base money factor
48-month | 15k miles | residual 36% | .00148 base money factor

2012 XC-70 3.2 AWD
36-month | 15k miles | residual 53% | .000143 base money factor
48-month | 15k miles | residual 43% | .00170 base money factor

2012 XC-70 3.2 AWD Premier
36-month | 15k miles | residual 53% | .000143 base money factor
48-month | 15k miles | residual 43% | .00170 base money factor

2012 XC-70 3.2 AWD Premier Plus
36-month | 15k miles | residual 52% | .000143 base money factor
48-month | 15k miles | residual 42% | .00170 base money factor

2012 XC-70 3.2 AWD Platinum
36-month | 15k miles | residual 51% | .000143 base money factor
48-month | 15k miles | residual 42% | .00170 base money factor

2012 XC-70 3.2 FWD
36-month | 15k miles | residual 52% | .000143 base money factor
48-month | 15k miles | residual 42% | .00170 base money factor

2012 XC-70 3.2 FWD Premier
36-month | 15k miles | residual 52% | .000143 base money factor
48-month | 15k miles | residual 42% | .00170 base money factor

2012 XC-70 3.2 FWD Premier Plus
36-month | 15k miles | residual 51% | .000143 base money factor
48-month | 15k miles | residual 41% | .00170 base money factor

2012 XC-70 3.2 FWD Platinum
36-month | 15k miles | residual 50% | .000143 base money factor
48-month | 15k miles | residual 41% | .00170 base money factor

2012 XC-70 T-6
36-month | 15k miles | residual 53% | .000143 base money factor
48-month | 15k miles | residual 43% | .00170 base money factor

2012 XC-70 T-6 Premier Plus
36-month | 15k miles | residual 53% | .000143 base money factor
48-month | 15k miles | residual 43% | .00170 base money factor

2012 XC-70 T-6 Platinum
36-month | 15k miles | residual 52% | .000143 base money factor
48-month | 15k miles | residual 42% | .00170 base money factor

2012 XC-90 3.2 AWD
36-month | 15k miles | residual 53% | .00127 base money factor
48-month | 15k miles | residual 43% | .00150 base money factor

2012 XC-90 3.2 AWD Premier Plus
36-month | 15k miles | residual 52% | .00127 base money factor
48-month | 15k miles | residual 42% | .00150 base money factor

2012 XC-90 3.2 AWD Platinum
36-month | 15k miles | residual 51% | .00127 base money factor
48-month | 15k miles | residual 42% | .00150 base money factor

2012 XC-90 3.2 FWD
36-month | 15k miles | residual 51% | .00127 base money factor
48-month | 15k miles | residual 42% | .00150 base money factor

2012 XC-90 3.2 FWD Premier Plus
36-month | 15k miles | residual 50% | .00127 base money factor
48-month | 15k miles | residual 41% | .00150 base money factor

2012 XC-90 3.2 FWD Platinum
36-month | 15k miles | residual 49% | .00127 base money factor
48-month | 15k miles | residual 40% | .00150 base money factor

2012 XC-90 3.2 AWD R-Design
36-month | 15k miles | residual 52% | .00127 base money factor
48-month | 15k miles | residual 43% | .00150 base money factor

2012 XC-90 3.2 AWD R-Design Premier Plus
36-month | 15k miles | residual 51% | .00127 base money factor
48-month | 15k miles | residual 42% | .00150 base money factor

2012 XC-90 3.2 AWD R-Design Platinum
36-month | 15k miles | residual 50% | .00127 base money factor
48-month | 15k miles | residual 42% | .00150 base money factor

2012 XC-90 3.2 FWD R-Design
36-month | 15k miles | residual 51% | .00127 base money factor
48-month | 15k miles | residual 41% | .00150 base money factor

2012 XC-90 3.2 FWD R-Design Premium Plus
36-month | 15k miles | residual 50% | .00127 base money factor
48-month | 15k miles | residual 41% | .00150 base money factor

2012 XC-90 3.2 FWD R-Design Platinum
36-month | 15k miles | residual 49% | .00127 base money factor
48-month | 15k miles | residual 41% | .00150 base money factor