09 Audi A4, S4, A5, S5 Lease Rates – April 2009

logo_audiMy Take: I’m seeing the same exact lease rates (as March) for April on the A4/A5/S4/S5. If you aren’t ready to pull the trigger on any of these cars this month, you may want to wait to see what May brings. The A5 is a bit cheaper than past months, but it could use a little bit more encouragement. Remember, no one has a crystal ball (I know I don’t) so I can’t predict whether things will improve of any of the following cars. One thing is for certain, residuals only go down, so if you see a car that already has a really low money factor, you should jump on it. You can only lower the money factor so much before monthly payments start going back up due to the loss in residual value.

At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
09 Audi A4 2.0T Premium quattro $31,562 $33,875 $553 $447 $652 $513
09 Audi A5 Tiptronic $39,885 $42,825 $780 $637 $908 $724

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 Audi A4/S4/A5/S5

2009 Audi A4 2.0T Premium quattro Sedan
24-month | 15k miles | residual 57% | .00085 base money factor
36-month | 15k miles | residual 50% | .00085 base money factor
48-month | 15k miles | residual 43% | .00367 base money factor

2009 Audi A4 2.0T Premium Plus quattro Sedan
24-month | 15k miles | residual 55% | .00085 base money factor
36-month | 15k miles | residual 48% | .00085 base money factor
48-month | 15k miles | residual 41% | .00367 base money factor

2009 Audi A4 2.0T Prestige quattro Sedan
24-month | 15k miles | residual 52% | .00085 base money factor
36-month | 15k miles | residual 45% | .00085 base money factor
48-month | 15k miles | residual 38% | .00367 base money factor

2009 Audi A4 3.2T Premium Plus quattro Sedan
24-month | 15k miles | residual 55% | .00114 base money factor
36-month | 15k miles | residual 48% | .00114 base money factor
48-month | 15k miles | residual 41% | .00367 base money factor

2009 Audi A4 3.2T Prestige quattro Sedan
24-month | 15k miles | residual 52% | .00114 base money factor
36-month | 15k miles | residual 45% | .00114 base money factor
48-month | 15k miles | residual 38% | .00367 base money factor

2009 Audi A4 2.0T Premium quattro Avant
24-month | 15k miles | residual 57% | .00143 base money factor
36-month | 15k miles | residual 50% | .00143 base money factor
48-month | 15k miles | residual 43% | .00367 base money factor

2009 Audi A4 2.0T Premium Plus quattro Avant
24-month | 15k miles | residual 55% | .00143 base money factor
36-month | 15k miles | residual 48% | .00143 base money factor
48-month | 15k miles | residual 41% | .00367 base money factor

2009 Audi A4 2.0T Prestige quattro Avant
24-month | 15k miles | residual 52% | .00143 base money factor
36-month | 15k miles | residual 45% | .00143 base money factor
48-month | 15k miles | residual 38% | .00367 base money factor

2009 Audi A4 2.0T Cabriolet
24-month | 15k miles | residual 57% | .00005 base money factor
36-month | 15k miles | residual 50% | .00005 base money factor
48-month | 15k miles | residual 39% | .00367 base money factor

2009 Audi A4 2.0T quattro Cabriolet
24-month | 15k miles | residual 57% | .00005 base money factor
36-month | 15k miles | residual 50% | .00005 base money factor
48-month | 15k miles | residual 39% | .00367 base money factor

2009 Audi A4 3.2L quattro Cabriolet
24-month | 15k miles | residual 55% | .00013 base money factor
36-month | 15k miles | residual 48% | .00013 base money factor
48-month | 15k miles | residual 37% | .00367 base money factor

2009 Audi S4 Cabriolet
24-month | 15k miles | residual 53% | .00347 base money factor
36-month | 15k miles | residual 46% | .00347 base money factor
48-month | 15k miles | residual 39% | .00367 base money factor

2009 Audi A5 6-Speed Coupe
24-month | 15k miles | residual 56% | .00185 base money factor
36-month | 15k miles | residual 49% | .00185 base money factor
48-month | 15k miles | residual 42% | .00350 base money factor

2009 Audi A5 Tiptronic Coupe
24-month | 15k miles | residual 56% | .00185 base money factor
36-month | 15k miles | residual 49% | .00185 base money factor
48-month | 15k miles | residual 42% | .00350 base money factor

2009 Audi S5 6-Speed Coupe
24-month | 15k miles | residual 62% | .00330 base money factor
36-month | 15k miles | residual 55% | .00330 base money factor
48-month | 15k miles | residual 48% | .00350 base money factor

2009 Audi S5 Tiptronic Coupe
24-month | 15k miles | residual 62% | .00330 base money factor
36-month | 15k miles | residual 55% | .00330 base money factor
48-month | 15k miles | residual 48% | .00350 base money factor

09 Lexus IS Lease Rates – April 2009

logo_lexusMy Take: IS250 Automatics have a solid money factor this month. Money factor dropped from .00135 to a low .00040! Here’s the even better news! The residual stayed the same as March!! That is fantastic news for those that have been eagerly awaiting some lease support on the IS250s. If you are looking buy, there isn’t any special financing or cash rebates available, so you probably should lease or pay cash.

At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
09 Lexus IS250 AT $30,051 $33,300 $480 $390 $617 $482

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 Lexus IS250

2009 Lexus IS250 Sedan AT
24-month | 15k miles | residual 57% | .00040 base money factor
36-month | 15k miles | residual 50% | .00040 base money factor
48-month | 15k miles | residual 41% | .00265 base money factor
60-month | 15k miles | residual 32% | .00265 base money factor

2009 Lexus IS250 Sedan AT AWD
24-month | 15k miles | residual 57% | .00040 base money factor
36-month | 15k miles | residual 50% | .00040 base money factor
48-month | 15k miles | residual 41% | .00265 base money factor
60-month | 15k miles | residual 32% | .00265 base money factor

2009 Lexus IS250 Sedan MT
24-month | 15k miles | residual 57% | .00155 base money factor
36-month | 15k miles | residual 50% | .00155 base money factor
48-month | 15k miles | residual 41% | .00265 base money factor
60-month | 15k miles | residual 32% | .00265 base money factor

09 Infiniti G37 Lease Rates – April 2009

logo_infinitiMy Take: The money factor has dropped on the G37 sedans this month. Good news for those who decided to take the chance and wait for the rates to go down. Remember to stay far away from the 24 month leases, like MB, Infiniti is doing their best to discourage you from leasing for just two years. The sweet spot is the 36-month lease (and possibly the 39 month lease…consult your dealer for those rates). There is $500 in loyalty cash for those who qualify. Again, sorry for not having the payment estimates this month, I am thinking that perhaps I can take a short little break from doing the calculations this month. Of course, I will be more than happy to run some quick numbers for those who are interested. Just leave a comment on this post.

2009 Infiniti G37

2009 Infiniti G37 Base Sedan
24-month | 15k miles | residual 58% | .00325 base money factor
36-month | 15k miles | residual 58% | .00178 base money factor
48-month | 15k miles | residual 49% | .00260 base money factor

2009 Infiniti G37 Journey Sedan
24-month | 15k miles | residual 56% | .00325 base money factor
36-month | 15k miles | residual 56% | .00178 base money factor
48-month | 15k miles | residual 47% | .00260 base money factor

2009 Infiniti G37 Sport Sedan
24-month | 15k miles | residual 56% | .00325 base money factor
36-month | 15k miles | residual 56% | .00178 base money factor
48-month | 15k miles | residual 48% | .00260 base money factor

2009 Infiniti G37X Sedan
24-month | 15k miles | residual 57% | .00325 base money factor
36-month | 15k miles | residual 57% | .00166 base money factor
48-month | 15k miles | residual 49% | .00255 base money factor

09 BMW 6-Series, 7-Series, M6 Lease Rates – April 2009

logo_bmwMy Take: M6 rates are looking much better than the 6-series while the 7-series is not looking all that great this month. I’m not really in the mood to post lease estimates right now, so feel free to request a quick calculation if you really need one. There is 0.9% financing on the 650s and the M6 for up to 60 months. Nothing for the 7-series. No cash, nada.

2009 BMW 6-Series

2009 BMW 650i Coupe
24-month | 15k miles | residual 58% | .00190 base money factor
36-month | 15k miles | residual 54% | .00190 base money factor
48-month | 15k miles | residual 30% | .00250 base money factor
60-month | 15k miles | residual 25% | .00250 base money factor

2009 BMW 650i Convertible
24-month | 15k miles | residual 62% | .00190 base money factor
36-month | 15k miles | residual 57% | .00190 base money factor
48-month | 15k miles | residual 33% | .00250 base money factor
60-month | 15k miles | residual 27% | .00250 base money factor

2009 BMW M6 Coupe
24-month | 15k miles | residual 62% | .00190 base money factor
36-month | 15k miles | residual 57% | .00190 base money factor
48-month | 15k miles | residual 34% | .00250 base money factor
60-month | 15k miles | residual 27% | .00250 base money factor

2009 BMW M6 Convertible
24-month | 15k miles | residual 62% | .00190 base money factor
36-month | 15k miles | residual 57% | .00190 base money factor
48-month | 15k miles | residual 36% | .00250 base money factor
60-month | 15k miles | residual 29% | .00250 base money factor

2009 BMW 7-Series

2009 BMW 750i
24-month | 15k miles | residual 49% | .00250 base money factor
36-month | 15k miles | residual 44% | .00250 base money factor
48-month | 15k miles | residual 35% | .00250 base money factor
60-month | 15k miles | residual 28% | .00250 base money factor

2009 BMW 750Li
24-month | 15k miles | residual 50% | .00250 base money factor
36-month | 15k miles | residual 45% | .00250 base money factor
48-month | 15k miles | residual 35% | .00250 base money factor
60-month | 15k miles | residual 29% | .00250 base money factor

09 BMW S, SL, SLK Class Lease Rates – April 2009

logo_benzMy Take: Couple quick things…I’m going to be skipping lease payment estimates on some of the more “expensive” models because quite frankly, I don’t think most people are here for that. You can still request a quick calculation from me by leaving a comment below each post. Main reason I’m doing this is to cut back on the amount of time it takes me to make one post, which will free me up for other important things. As for the cars, the SLK’s money factor is wicked low this month. .00007! With Mercs, I don’t generally car as much about the residual value since they are usually low 50s or high 40s for the 36-month terms, so you gotta hope and pray that the money factor is ultra low. Remember, the upside to having low residual value and low money factor is that at lease end, your buyout price is fairly low. Which is good if you love the car and want to keep it. No cash is available on the SLK300 right now but 0.9% financing for up to 66 months is there for those who qualify. MB Financial is really pushing the low interest financing this month which runs an extra 6 months compared to other captive banks. Just a FYI in case you are open to financing.

2009 Mercedes SL-Class, SLK-Class

2009 Mercedes SL550
24-month | 15k miles | residual 54% | .00073 base money factor
36-month | 15k miles | residual 47% | .00061 base money factor
48-month | 15k miles | residual 38% | .00061 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2009 Mercedes SLK300
24-month | 15k miles | residual 53% | .00023 base money factor
36-month | 15k miles | residual 48% | .00007 base money factor
48-month | 15k miles | residual 40% | .00007 base money factor
60-month | 15k miles | residual 33% | .00395 base money factor

2009 Mercedes SLK350
24-month | 15k miles | residual 55% | .00092 base money factor
36-month | 15k miles | residual 51% | .00076 base money factor
48-month | 15k miles | residual 42% | .00076 base money factor
60-month | 15k miles | residual 34% | .00395 base money factor

DO NOT LEASE

2009 Mercedes S550
24-month | 15k miles | residual 51% | .00275 base money factor
36-month | 15k miles | residual 45% | .00200 base money factor
48-month | 15k miles | residual 39% | .00200 base money factor
60-month | 15k miles | residual 32% | .00395 base money factor

2009 Mercedes S550 4matic
24-month | 15k miles | residual 51% | .00275 base money factor
36-month | 15k miles | residual 45% | .00200 base money factor
48-month | 15k miles | residual 39% | .00200 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

2009 Mercedes S600
24-month | 15k miles | residual 39% | .00430 base money factor
36-month | 15k miles | residual 34% | .00395 base money factor
48-month | 15k miles | residual 32% | .00395 base money factor
60-month | 15k miles | residual 27% | .00395 base money factor

2009 Mercedes S63
24-month | 15k miles | residual 47% | .00275 base money factor
36-month | 15k miles | residual 40% | .00200 base money factor
48-month | 15k miles | residual 36% | .00200 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

2009 Mercedes S65
24-month | 15k miles | residual 40% | .00430 base money factor
36-month | 15k miles | residual 36% | .00395 base money factor
48-month | 15k miles | residual 31% | .00395 base money factor
60-month | 15k miles | residual 26% | .00395 base money factor

2009 Mercedes SL600
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 31% | .00395 base money factor
60-month | 15k miles | residual 23% | .00395 base money factor

2009 Mercedes SL63 AMG
24-month | 15k miles | residual 46% | .00430 base money factor
36-month | 15k miles | residual 39% | .00395 base money factor
48-month | 15k miles | residual 31% | .00395 base money factor
60-month | 15k miles | residual 26% | .00395 base money factor

2009 Mercedes SL65 AMG
24-month | 15k miles | residual 40% | .00430 base money factor
36-month | 15k miles | residual 33% | .00395 base money factor
48-month | 15k miles | residual 27% | .00395 base money factor
60-month | 15k miles | residual 24% | .00395 base money factor

2009 Mercedes SLK55 AMG
24-month | 15k miles | residual 50% | .00430 base money factor
36-month | 15k miles | residual 46% | .00395 base money factor
48-month | 15k miles | residual 38% | .00395 base money factor

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

logo_bmwMy Take: Surprisingly enough, the X6 5.0 (improved from last month) and the X5 4.8i (unchanged from last month) have the best lease rates of all the X-Series “Sport Activity” vehicles. Sure, they have a hefty price tag for most people, but if you were shopping around for one, you already knew that. I actually really dig the looks of the X6, love the higher stance, coupe lines and a beefy 5.0 liter engine. This month is a good month for the X6 5.0 (not so much the 3.5 model though). Remember that for most BMWs, the 36-month term is the sweet spot since it has the best residual/term/money factor combination. BMWFS is also offering 2.9% financing for up 60 months on both models, but no customer/dealer cash.

At Invoice At MSRP
Make/Model Invoice MSRP 24-month 36-month 24-month 36-month
09 BMW X5 xDrive 4.8i $52,530 $57,025 $851 $703 $1046 $834
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 X-Series

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 32% | .00250 base money factor

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% | .00250 base money factor

2009 BMW X5 xDrive
24-month | 15k miles | residual 61% | .00175 base money factor
36-month | 15k miles | residual 55% | .00175 base money factor
48-month | 15k miles | residual 39% | .00250 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 32% | .00250 base money factor

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% | .00250 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 34% | .00250 base money factor

09 Mercedes Benz E-Class Lease Rates – April 2009

logo_benzMy Take: The E-Class Bluetec, Wagon and AMG models have a DO NOT LEASE recommendation this month due to low residual and high money factors. It doesn’t really come as a surprise since that’s been the case for months now. If you plan to lease, stick with the sedans. Remember, the majority of MBs have extremely low residual values compared to the competition, which is normally a bad thing in the leasing world. The good news is that MB Financial also has the tendency of offering exceptionally low money factors. These conditions make them great candidates for “lease-to-own” because most of your payments go towards the principal of the loan. When it comes time to end the lease, the residual value will be fairly low, making the decision to buy the car at lease-end (should you choose to) an easier one. I will spend some time this month explaining the whole “lease-to-own” concept once I am done posting most of April’s lease rates. Going back to the E-Class, there is $6000 dealer cash available for those who finance through MB Financial. There is also 0.9% financing for up to 66 months! This makes purchasing quite attractive if you think about it. You could pay 0.9% for 66 month and own the car at the end of your loan, OR you could pay 0.432% for 48 months, then make a balloon payment of the remaining 38% of your residual value in order to avoid paying interest. Tough call, I guess it all depends on whether you can afford to pony up that much cash at lease end. Of course, you can simple walk away and hop into another new Benz (ahh, the joys of leasing!). Lastly, the 2010 E-Class should be out soon (complete with brand new square headlights!) so I suspect some good discounts should be attainable on the 2009 model.

At Invoice At MSRP
Make/Model Invoice MSRP 36-month 48-month 36-month 48-month
09 Mercedes E350 Luxury $50,351 $54,075 $765* $633** $870* $711**

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 E350 Luxury
24-month | 15k miles | residual 49% | .00075 base money factor
36-month | 15k miles | residual 43% | .00018 base money factor
48-month | 15k miles | residual 38% | .00018 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2009 Mercedes E350 Luxury 4matic
24-month | 15k miles | residual 49% | .00090 base money factor
36-month | 15k miles | residual 43% | .00030 base money factor
48-month | 15k miles | residual 39% | .00030 base money factor
60-month | 15k miles | residual 30% | .00395 base money factor

2009 Mercedes E350 Sport
24-month | 15k miles | residual 49% | .00075 base money factor
36-month | 15k miles | residual 43% | .00018 base money factor
48-month | 15k miles | residual 38% | .00018 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2009 Mercedes E350 Sport 4matic
24-month | 15k miles | residual 49% | .00090 base money factor
36-month | 15k miles | residual 43% | .00030 base money factor
48-month | 15k miles | residual 39% | .00030 base money factor
60-month | 15k miles | residual 30% | .00395 base money factor

2009 Mercedes E550
24-month | 15k miles | residual 42% | .00075 base money factor
36-month | 15k miles | residual 37% | .00018 base money factor
48-month | 15k miles | residual 36% | .00018 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

DO NOT LEASE

2009 Mercedes E320 BlueTec
24-month | 15k miles | residual 51% | .00350 base money factor
36-month | 15k miles | residual 47% | .00285 base money factor
48-month | 15k miles | residual 44% | .00285 base money factor
60-month | 15k miles | residual 35% | .00395 base money factor

2009 Mercedes E350 4matic Wagon
24-month | 15k miles | residual 43% | .00430 base money factor
36-month | 15k miles | residual 38% | .00395 base money factor
48-month | 15k miles | residual 37% | .00395 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2009 Mercedes E550 4matic
24-month | 15k miles | residual 42% | .00430 base money factor
36-month | 15k miles | residual 38% | .00395 base money factor
48-month | 15k miles | residual 36% | .00395 base money factor
60-month | 15k miles | residual 28% | .00395 base money factor

2009 Mercedes E63 AMG
24-month | 15k miles | residual 46% | .00225 base money factor
36-month | 15k miles | residual 43% | .00225 base money factor
48-month | 15k miles | residual 39% | .00225 base money factor
60-month | 15k miles | residual 31% | .00395 base money factor

2009 Mercedes E63 4matic Wagon
24-month | 15k miles | residual 43% | .00430 base money factor
36-month | 15k miles | residual 37% | .00395 base money factor
48-month | 15k miles | residual 34% | .00395 base money factor
60-month | 15k miles | residual 29% | .00395 base money factor

2010 Mercedes Benz GLK-Class Lease Rates – April 2009

logo_benzMy Take: I’m sure some of you have probably seen the GLK-Class TV commercials by now. I’m a bit torn on the looks…On TV, it looks great; roughed, sporty, with a little bit of the C-Class Sport flair. In pictures, it looks a bit odd, like the nose doesn’t fit the rest of the package. The cabin seems to look a bit too tall for it’s own good, making the exterior design look somewhat top-heavy. In person, well, I haven’t seen it in person so I will probably have to reserve my comments until I get around to see it. In any case, the lease rates are hideous, so I would recommend stay far far away from this ride until the money factors cool off a bit.

2010 Mercedes GLK-Class

2010 Mercedes GLK350
24-month | 15k miles | residual 55% | .00276 base money factor
36-month | 15k miles | residual 51% | .00272 base money factor
48-month | 15k miles | residual 41% | .00272 base money factor

2010 Mercedes GLK350 4matic
24-month | 15k miles | residual 55% | .00240 base money factor
36-month | 15k miles | residual 51% | .00230 base money factor
48-month | 15k miles | residual 41% | .00230 base money factor