Money Factor

09 Acura TL Lease Rates – June 2009

Published by G

logo_acuraMy Take: TL lease rates are supposed to have stayed the same, so here they are. Money factor is a bit high, but its okay because the residuals are high as well. Be sure to inquire about MSDs if you want to “buy down” your money factor a bit. I’m still not a hugh fan of it’s looks, but I’m warming up to it. I think if the MF drops significantly, I would warm up to it even more. LOL.

At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
2009 Acura TL $32,896 $35,715 $526 $456 $650 $540

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 Acura TL

2009 Acura TL Sedan
24-month | 15k miles | residual 65% | .00220 base money factor
36-month | 15k miles | residual 58% | .00220 base money factor

2009 Acura TL Sedan SH-AWD
24-month | 15k miles | residual 63% | .00220 base money factor
36-month | 15k miles | residual 56% | .00220 base money factor

2009 Acura TL Sedan SH-AWD Tech
24-month | 15k miles | residual 60% | .00220 base money factor
36-month | 15k miles | residual 53% | .00220 base money factor

2009 Acura TL Sedan Tech
24-month | 15k miles | residual 62% | .00220 base money factor
36-month | 15k miles | residual 55% | .00220 base money factor

09 Mercedes Benz ML Lease Rates – June 2009

Published by G

logo_benzMy Take: With the exception of the ML550, the rest of the lineup’s lease rates are not bad if you are considering a lease-to-buy. As you all know, the best deals are those cars that have low money factors, high residual values and some rebates or hefty dealer discounts. For the MLs, I would probably opt for the ML320 Bluetech if I wanted to lease-and-return. If I wanted a lease-to-buy, I would opt for the ML350 4matic because of the slightly higher residual and low money factor. The ML63 isn’t bad either if you have the cash for it.

To read more about the “Lease-to-Buy” concept, click here.

At Invoice At MSRP
Make/Model Invoice MSRP 36-month 48-month 36-month 48-month
09 Mercedes ML350 4matic $44,678 $47,975 $685* $602** $779* $673**

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 Mercedes ML-Class

2009 Mercedes ML320 BlueTec
24-month | 15k miles | residual 60% | .00185 base money factor
36-month | 15k miles | residual 53% | .00147 base money factor
48-month | 15k miles | residual 42% | .00147 base money factor

2009 Mercedes ML350
24-month | 15k miles | residual 53% | .00120 base money factor
36-month | 15k miles | residual 45% | .00094 base money factor
48-month | 15k miles | residual 37% | .00094 base money factor

2009 Mercedes ML350 4matic
24-month | 15k miles | residual 52% | .00120 base money factor
36-month | 15k miles | residual 45% | .00067 base money factor
48-month | 15k miles | residual 37% | .00067 base money factor

2009 Mercedes ML550
24-month | 15k miles | residual 47% | .00220 base money factor
36-month | 15k miles | residual 39% | .00280 base money factor
48-month | 15k miles | residual 33% | .00280 base money factor

2009 Mercedes ML63 AMG
24-month | 15k miles | residual 50% | .00120 base money factor
36-month | 15k miles | residual 42% | .00052 base money factor
48-month | 15k miles | residual 36% | .00052 base money factor

09 Acura TSX Lease Rates – June 2009

Published by G

logo_acuraMy Take: The rates for the 09 Acura TSX should not have changed from May. If they do, I will update this post with the new rates. I’m not seeing any rebates of any kind, but invoice price shouldn’t be difficult to attain in area with strong competition. If you opt for the Tech model, you can probably access some (or all) of the $1250 dealer cash that’s available on that model. I expect TSX leases to improve slightly since the 2010 model should in showrooms by now.

At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
09 Acura TSX $27,632 $29,970 $421 $366 $523 $435

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 Acura TSX

2009 Acura TSX Manual
24-month | 15k miles | residual 66% | .00198 base money factor
36-month | 15k miles | residual 59% | .00198 base money factor

2009 Acura TSX Automatic
24-month | 15k miles | residual 66% | .00198 base money factor
36-month | 15k miles | residual 59% | .00198 base money factor

2009 Acura TSX w/Navigation Manual
24-month | 15k miles | residual 63% | .00198 base money factor
36-month | 15k miles | residual 56% | .00198 base money factor

2009 Acura TSX w/Navigation Automatic
24-month | 15k miles | residual 63% | .00198 base money factor
36-month | 15k miles | residual 56% | .00198 base money factor

09 Lexus RX Lease Rates – June 2009

Published by G

logo_lexusMy Take: Here are the RX350’s lease rates for you Lexus RX lovers. I think the MF is a bit high, so you may want to wait a little bit to see if it drops down the road. Eventhough this is a 2010 model, you may be able to get some discounts off MSRP. Below invoice, however, is probably unlikely.

2010 Lexus RX35

2010 Lexus RX350 2WD
24-month | 15k miles | residual 64% | .00245 base money factor
36-month | 15k miles | residual 57% | .00245 base money factor

2010 Lexus RX350 AWD
24-month | 15k miles | residual 64% | .00245 base money factor
36-month | 15k miles | residual 57% | .00245 base money factor

09 BMW X3, X5, X6 Lease Rates – June 2009

Published by G

logo_bmwMy Take: If we are talking straight up lease rates, then the X6 5.0i has the best combination of money factor and residual for all Xs. To answer Don’s question, the MF isn’t 0.00121. As a matter of fact, in order to get the base rate of 0.00175, you have to have fantastic credit AND put a security deposit of $700. By the way, where did you get 0.00121 from? Finance APR? FYI, APR offers are for purchases, not leases, so they don’t translate to the same thing. $2500 + $1750 off MSRP is probably doable thought. You are still looking at $900 payments after taxes with just inception fees. You will need to drop a whopping $4000-$5000 down in order to bring down the payments to the advertised, $699+tax BMWUSA.com is promoting.

At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
09 BMW X6 xDrive 5.0i $62,145 $67,475 $1055 $816 $1286 $973

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 BMW X3

2009 BMW X3 xDrive 3.0i
24-month | 15k miles | residual 57% | .00250 base money factor
36-month | 15k miles | residual 53% | .00250 base money factor
48-month | 15k miles | residual 30% | .00260 base money factor
60-month | 15k miles | residual 26% | .00260 base money factor

2009 BMW X5

2009 BMW X5 xDrive 3.0i
24-month | 15k miles | residual 62% | .00180 base money factor
36-month | 15k miles | residual 55% | .00180 base money factor
48-month | 15k miles | residual 37% | .00260 base money factor
60-month | 15k miles | residual 32% | .00260 base money factor

2009 BMW X5 xDrive 3.5d
24-month | 15k miles | residual 61% | .00170 base money factor
36-month | 15k miles | residual 55% | .00170 base money factor
48-month | 15k miles | residual 37% | .00260 base money factor
60-month | 15k miles | residual 31% | .00260 base money factor

2009 BMW X5 xDrive 4.8i
24-month | 15k miles | residual 62% | .00155 base money factor
36-month | 15k miles | residual 56% | .00155 base money factor
48-month | 15k miles | residual 31% | .00260 base money factor
60-month | 15k miles | residual 26% | .00260 base money factor

2009 BMW X6

2009 BMW X6 xDrive 3.5i
24-month | 15k miles | residual 61% | .00200 base money factor
36-month | 15k miles | residual 57% | .00200 base money factor
48-month | 15k miles | residual 34% | .00260 base money factor
60-month | 15k miles | residual 29% | .00260 base money factor

2009 BMW X6 xDrive 5.0i
24-month | 15k miles | residual 61% | .00175 base money factor
36-month | 15k miles | residual 58% | .00175 base money factor
48-month | 15k miles | residual 32% | .00260 base money factor
60-month | 15k miles | residual 27% | .00260 base money factor

09 Mercedes Benz S, SL, SLK Lease Rates – June 2009

Published by G

logo_benzMy Take: I’m not going to bother too much with the S and SLK class estimates since they aren’t really high demand vehicles. Instead, I’ll focus on a very good “Lease-to-Buy” deal right now, the SLK300. The money factor is a measly 0.0007 for up to 48 months, making it a pretty good deal if you plan to buy the car at least end. Not even the 1.9% APR for 36 months can touch that. Definitely consider leasing the SLK300 for 4 years first then buy it out.

At Invoice At MSRP
Make/Model Invoice MSRP 36-month 48-month 36-month 48-month
09 Mercedes SLK300 $43,609 $46,825 $591* $542** $681* $609**

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 Mercedes S-Class

2009 Mercedes S550
24-month | 15k miles | residual 49% | .00275 base money factor
36-month | 15k miles | residual 45% | .00200 base money factor
48-month | 15k miles | residual 37% | .00200 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

2009 Mercedes S550 4matic
24-month | 15k miles | residual 50% | .00275 base money factor
36-month | 15k miles | residual 45% | .00147 base money factor
48-month | 15k miles | residual 37% | .00147 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

2009 Mercedes S600
24-month | 15k miles | residual 37% | .00430 base money factor
36-month | 15k miles | residual 34% | .00395 base money factor
48-month | 15k miles | residual 29% | .00395 base money factor
60-month | 15k miles | residual 26% | .00395 base money factor

2009 Mercedes S63
24-month | 15k miles | residual 45% | .00430 base money factor
36-month | 15k miles | residual 40% | .00395 base money factor
48-month | 15k miles | residual 35% | .00395 base money factor
60-month | 15k miles | residual 30% | .00395 base money factor

2009 Mercedes S65
24-month | 15k miles | residual 39% | .00430 base money factor
36-month | 15k miles | residual 36% | .00395 base money factor
48-month | 15k miles | residual 30% | .00395 base money factor
60-month | 15k miles | residual 25% | .00395 base money factor

2009 Mercedes SL-Class

2009 Mercedes SL550
24-month | 15k miles | residual 52% | .00073 base money factor
36-month | 15k miles | residual 47% | .00061 base money factor
48-month | 15k miles | residual 36% | .00061 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor

2009 Mercedes SL600
24-month | 15k miles | residual 42% | .00430 base money factor
36-month | 15k miles | residual 39% | .00395 base money factor
48-month | 15k miles | residual 29% | .00395 base money factor
60-month | 15k miles | residual 22% | .00395 base money factor

2009 Mercedes SL63 AMG
24-month | 15k miles | residual 44% | .00430 base money factor
36-month | 15k miles | residual 39% | .00395 base money factor
48-month | 15k miles | residual 30% | .00395 base money factor
60-month | 15k miles | residual 25% | .00395 base money factor

2009 Mercedes SL65 AMG
24-month | 15k miles | residual 38% | .00430 base money factor
36-month | 15k miles | residual 33% | .00395 base money factor
48-month | 15k miles | residual 26% | .00395 base money factor
60-month | 15k miles | residual 23% | .00395 base money factor

2009 Mercedes SLK-Class

2009 Mercedes SLK300
24-month | 15k miles | residual 51% | .00023 base money factor
36-month | 15k miles | residual 48% | .00007 base money factor
48-month | 15k miles | residual 38% | .00007 base money factor
60-month | 15k miles | residual 32% | .00395 base money factor

2009 Mercedes SLK350
24-month | 15k miles | residual 53% | .00092 base money factor
36-month | 15k miles | residual 51% | .00076 base money factor
48-month | 15k miles | residual 40% | .00076 base money factor
60-month | 15k miles | residual 33% | .00395 base money factor

2009 Mercedes SLK55 AMG
24-month | 15k miles | residual 48% | .00430 base money factor
36-month | 15k miles | residual 46% | .00395 base money factor
48-month | 15k miles | residual 37% | .00395 base money factor
60-month | 15k miles | residual 33% | .00395 base money factor

2009 Mercedes Benz G, GL, GLK Lease Rates – June 2009

Published by G

logo_benzMy Take: GLK and the G are a big NO-NO this month, just look at the money factors. The GL looks much better but there aren’t any cash rebates to help with the lower-than-ideal residual value. It is safe to say that the “glory days” of auto leasing are officially over. You will start finding fewer models with attractive lease offerings from now on, which makes doing your research that much more important if you wish to continue leasing.

2010 Mercedes GLK

2010 Mercedes GLK350
24-month | 15k miles | residual 55% | .00276 base money factor
36-month | 15k miles | residual 51% | .00290 base money factor
48-month | 15k miles | residual 40% | .00290 base money factor
60-month | 15k miles | residual 34% | .00395 base money factor

2010 Mercedes GLK350 4matic
24-month | 15k miles | residual 55% | .00276 base money factor
36-month | 15k miles | residual 51% | .00290 base money factor
48-month | 15k miles | residual 40% | .00290 base money factor
60-month | 15k miles | residual 34% | .00395 base money factor

2009 Mercedes G

2009 Mercedes G550
24-month | 15k miles | residual 48% | .00430 base money factor
36-month | 15k miles | residual 44% | .00395 base money factor
48-month | 15k miles | residual 36% | .00395 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

2009 Mercedes G55 AMG
24-month | 15k miles | residual 45% | .00430 base money factor
36-month | 15k miles | residual 40% | .00395 base money factor
48-month | 15k miles | residual 35% | .00395 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

2009 Mercedes GL

2009 Mercedes GL320 BlueTec
24-month | 15k miles | residual 54% | .00132 base money factor
36-month | 15k miles | residual 49% | .00111 base money factor
48-month | 15k miles | residual 40% | .00111 base money factor
60-month | 15k miles | residual 33% | .00395 base money factor

2009 Mercedes GL450
24-month | 15k miles | residual 57% | .00120 base money factor
36-month | 15k miles | residual 51% | .00074 base money factor
48-month | 15k miles | residual 39% | .00074 base money factor
60-month | 15k miles | residual 32% | .00395 base money factor

2009 Mercedes GL550
24-month | 15k miles | residual 50% | .00120 base money factor
36-month | 15k miles | residual 44% | .00074 base money factor
48-month | 15k miles | residual 37% | .00074 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

09 Mercedes Benz E-Class Lease Rates – June 2009

Published by G

logo_benzMy Take: The residual values on the E-Class are questionable at this point, but the money factors look good (0.432% APR on the E350 Sport). That’s literally just a few bucks of interest every month. There is $6000 in dealer cash available for those who finance through MB Financial, so make sure to take that into consideration when you make your offer to your dealer. I think the E350 Sport is an excellent Lease-to-Buy candidate since most of your money is going towards the car instead of the interest. With the 2010 Es rolling into dealerships now, it looks to me that MBZ may start trying to move them.

At Invoice At MSRP
Make/Model Invoice MSRP 36-month 48-month 36-month 48-month
09 Mercedes E350 Sport $50,351 $54,075 $765* $667** $870* $745**

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 Mercedes E-Class

2009 Mercedes E320 BlueTec
24-month | 15k miles | residual 50% | .00350 base money factor
36-month | 15k miles | residual 47% | .00285 base money factor
48-month | 15k miles | residual 41% | .00285 base money factor
60-month | 15k miles | residual 34% | .00395 base money factor

2009 Mercedes E350 Luxury
24-month | 15k miles | residual 47% | .00075 base money factor
36-month | 15k miles | residual 43% | .00018 base money factor
48-month | 15k miles | residual 35% | .00018 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor

2009 Mercedes E350 Luxury 4matic
24-month | 15k miles | residual 47% | .00090 base money factor
36-month | 15k miles | residual 43% | .00044 base money factor
48-month | 15k miles | residual 36% | .00044 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2009 Mercedes E350 Sport
24-month | 15k miles | residual 47% | .00075 base money factor
36-month | 15k miles | residual 43% | .00018 base money factor
48-month | 15k miles | residual 35% | .00018 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor

2009 Mercedes E350 Sport 4matic
24-month | 15k miles | residual 47% | .00090 base money factor
36-month | 15k miles | residual 43% | .00044 base money factor
48-month | 15k miles | residual 36% | .00044 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2009 Mercedes E350 4matic Wagon
24-month | 15k miles | residual 42% | .00090 base money factor
36-month | 15k miles | residual 38% | .00030 base money factor
48-month | 15k miles | residual 34% | .00030 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor

2009 Mercedes E550
24-month | 15k miles | residual 41% | .00075 base money factor
36-month | 15k miles | residual 37% | .00018 base money factor
48-month | 15k miles | residual 33% | .00018 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor

2009 Mercedes E550 4matic
24-month | 15k miles | residual 41% | .00430 base money factor
36-month | 15k miles | residual 38% | .00395 base money factor
48-month | 15k miles | residual 33% | .00395 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor

2009 Mercedes E63 AMG Sedan
24-month | 15k miles | residual 44% | .00430 base money factor
36-month | 15k miles | residual 43% | .00395 base money factor
48-month | 15k miles | residual 36% | .00395 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2009 Mercedes E63 AMG Wagon
24-month | 15k miles | residual 42% | .00430 base money factor
36-month | 15k miles | residual 37% | .00395 base money factor
48-month | 15k miles | residual 32% | .00395 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor