2012-13 Infiniti Lease Rates – May 2012

Published by G
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Like a lot of other captive banks, IFS has dropped the residual and money factor for many of their models. I would like to direct your attention to the G37 IPL. It has a 1% drop in residual, but the MF has dropped from .00053 to 0.00008. That’s right, that’s 0.192% interest! That’s a more than 1% drop compared to last month. This is car is a PRIME candidate for Lease-to-Buy. The concept is simple. If you plan to buy out a car at the end of your lease, you find the one with the lowest residual and lowest money factor. This will ensure that most of your payments are going towards the car’s value instead of taxes and interest. The downside to this technique is that it requires that you make a balloon payment at the end to avoid having to finance the remainder of the car’s value. However, if you can get an attractive rate at lease end, you might still be able to save some money.  The lowest financing rate right now is 1.9% up to 66 months so it may be worth your while to crunch some numbers to see if leasing the car first will work for you.

Going back to the G37 Journey Sedan, the sample calculation looks good! Certainly an improvement from last month. TrueCar has changed the way they provide pricing information, so the calculating is based on their “average savings” estimate minus the MSRP. This may already include some customer or dealer incentives. With that in mind, I’m really liking what I’m seeing! The residual is lower but the MF is great! This makes buying out the car at the end an option. Infiniti offers great leases year round and I suspect that as we roll into the second half of the year, the numbers could get better.


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 – $37,295
Sale Price – $33,014
Monthly – $352+ tax
RWG Rating – 100.8

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2012 INFINITI EX35 AWD JOURNEY
36 Month – Residual 48% of MSRP – .00071 Base Rate

2012 INFINITI FX35 AWD
36 Month – Residual 51% of MSRP – .00071 Base Rate

2012 INFINITI FX50 AWD
36 Month – Residual 48% of MSRP – .00084 Base Rate

2012 INFINITI G37 COUPE IPL AT
36 Month – Residual 51% of MSRP – .00008 Base Rate

2012 INFINITI G37 COUPE JOURNEY
36 Month – Residual 55% of MSRP – .00008 Base Rate

2012 INFINITI G37 COUPE X AWD
36 Month – Residual 56% of MSRP – .00016 Base Rate

2012 INFINITI G37 COUPE SPORT MANUAL
36 Month – Residual 55% of MSRP – .00008 Base Rate

2012 INFINITI G25 SEDAN JOURNEY
36 Month – Residual 55% of MSRP – .00001 Base Rate

2012 INFINITI G25 SEDAN X AWD
36 Month – Residual 56% of MSRP – .00008 Base Rate

2012 INFINITI G37 SEDAN JOURNEY
36 Month – Residual 55% of MSRP – .00009 Base Rate

2012 INFINITI G37 SEDAN X AWD
36 Month – Residual 55% of MSRP – .00001 Base Rate

2012 INFINITI G37 SEDAN SPORT MANUAL
36 Month – Residual 54% of MSRP – .00009 Base Rate

2012 INFINITI M37 SEDAN X AWD
36 Month – Residual 49% of MSRP – .00008 Base Rate

2012 INFINITI M56 SEDAN X AWD
36 Month – Residual 47% of MSRP – .00053 Base Rate

2012 INFINITI M35H SEDAN HYBRID
36 Month – Residual 48% of MSRP – .00021 Base Rate

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

2012 INFINITI G37 CONVERTIBLE BASE
36 Month – Residual 54% of MSRP – .00047 Base Rate

2012 INFINITI G37 CONVERTIBLE SPORT 6MT
36 Month – Residual 55% of MSRP – .00047 Base Rate

2013 INFINITI JX35 AWD
36 Month – Residual 60% of MSRP – .00157 Base Rate

26 thoughts on “2012-13 Infiniti Lease Rates – May 2012”

  1. Hey G,

    What is the down payment based on this? And how much more would i be looking if I wanted to get the trim with navigation? I assume your rates are with 15K miles?

    Jack

    • My estimate assume that you pay your inception fees upfront. Typically $1500-$2000. This includes Bank fee, 1st month payment, dealer doc and dmv registration.
      All posted residuals are 15k. IFS does not change the residual based on packages. They do it only with trims. Your payments go up around $30 per $1000 borrowed.

  2. How does this deal look:

    – 2012 G37 SEDAN JOURNEY 4DR AUTO with ILLUMINATED KICK, TRUNK MAT, NAVIGATION PACKAG, PREMIUM PACKAGE

    MSRP: $42,055
    INVOICE: $38,718
    Capitalized Cost: $ 37,268.00
    Net Cap: $ 36,383.26
    Residual: 57.00
    Cash Due on Delivery: $ 2,500.00
    Payment (including tax): $ 380.00

    36 months, 12 K miles

    Any feedback?

    • Looks very good jack. I personally would use some of the cash due on delivery and use it as MSD instead of straight cap cost reduction. Payments will go up, but you get that deposit refunded at lease-end. Overall though, this is a VERY good deal. Basically $410 with inception fees upfront. That’s cheaper than my base 2008 G37 which I leased for $424 a month with $1300 up front over 39 months.

  3. I’d like to go with a 24 month lease due to the new models coming out next year. Any idea what the 24 month numbers would be like for the g37 coupe or sedan? Obviously the residuals change. Does the rate?

    • 24-month leases are typically a lot more expensive than the 36-month terms. The MF does change on the 24-month compared to the 36-month. I typically do not get that information unless there’s a special promotion going on.

  4. Would you happen to have the residuals and MF for a 24mo lease? similarly one with 10 or 12k mi? Thanks!!

    Looking at G37x coupe or sedan, maybe g25x

    Keith

    • sorry, I just saw the above reply regarding 24mo leases. I saw an add for G37x coupe for 24mo $392/mo $0 down. It was based off a msrp of $42,655. Just wondering if anyone had the residual so that i could adjust for different msrp.

        • the leases are posted on leasetrader at a dealership in Miami, they state the MSRP and payment without tax… Not sure how l legit they are but I assume they would have a problem if they are posting something they cannot honor..

  5. Hi

    I was considering leasing a g25x sedan. Possibly registering it in NY under my wife’s name (she has the NY license). We are moving to baltimore at the end of June for a 1 year job contrast. After that we may move yet again to a different city.

    Question is a) how much of a pain in the butt would that be?
    b) If we go in planning to just buy the car at the end of the lease, is that a bad idea? How many extra fees would we incur for going this route?
    c) I’ve read that some leases prohibit using the car outside of the state that its registered, is that true?

    This would be my first lease (and/or car purchase).

    Thanks

    • Amilee, I think it not a good idea to buy the car in NY because of taxes (or buying out of state and registering in NY). I do think BUYING is a better option in your case because you plan to do some moving. It is true that some banks will prohibit you from taking the car out of state, so unless you know exactly where you will end up in the next three years, buying make a lot more sense in my opinion (less of a hassle if anything). Taxes are calculated differently depending on the state you live in, so that seems to be a big reason why its not a good idea to lease and move.

  6. Hi G, please let me know if this is a good lease:

    – $1100 up front
    – $413 / month (tax’s included)

    For a G37 Coupe AWD with premium package. I am wondering if I should wait until this Fall for better deal.

    Thanks!

    • msrp? sale price? Looks good at first glance, but would like to confirm the discount and msrp before giving my seal of approval.

  7. Got a quote on a g25x

    $2300 upfront for all fees (would have to see inception fees those are exactly …I feel like they are putting a capcost reduction in there).

    33,800 selling cost of the car.

    39 mo, 57%? residual, MF of 0.000014

    monthly at 322 (if I remembered it correctly, written down somewhere).

    • What’s the MSRP? Not sure I like the $2300 upfront in costs, but then again that depends whether that includes taxes or not. Going back to your issue about moving…are you sure you want to lease?

  8. what i offered on a G37X-S (premium, nav, sport) AWD Coupe MSRP 49,400

    2 YEARS/12k year

    1800 start up fees (700 lease fee, 400 doc fee, first payment, registration)

    $511/month (no extra for taxes since I am trading a car in)

    thoughts?

  9. I’ve been considering a coupe and over the past couple weeks I’ve been monitoring the inventory of the closest ~8 dealers to me. During this time none of the dealers have received new coupes nor are they scheduled to according to the Infinity website. All of these places continue to receive new sedans, but no coupes. I’m wondering if others have experienced the same, and if perhaps Infinity stopped shipping 2012 coupes all together.

    • That’s strange. What area are you located at? What dealers get sometimes depends on what your local market dictates. Have you tried having the dealer find what you are looking for? My local dealer has like 20 of them.

      • Hi G
        I’m in between Houston and Dallas, and have been checking the inventories in both cities. The dealer I usually talk to can locate what I’m looking for but can offer a much better deal on something they already have in stock.

        • Yeah, that is the standard speech. They basically have to give them a car in exchange. I would have the dealer work the numbers to see how BAD of a deal it really is before deciding. Have you thought about maybe going out of state to find one?

  10. First, thanks for this website and your hard work. I’m pretty happy with the deal I made but would like your opinion.

    G37 Sedan, Premium package, Navigation, wood trim, Illumintaed kick plates, trunk matt, mud flaps.

    MSRP $42,433
    Gross Cap Cost $37,698
    Trade In $1,000
    adjusted cap $37,138
    Residual value $22914.42
    Monthly payment (including Tax) $384.69.
    No further dollars out of pocket

    39 months, 15,000 miles/yr.

    Love the car!

  11. got the 2012 G25 Journey

    trade in of $2000 – $350 a month tax included.
    MSRP – $33581
    39 month 12k

    I needed to keep monthly under $350, but feel i could have held out for the G37

  12. I am just getting my head around leasing and have always financed before … Therefore your advise would be very much appreciated.

    I am looking at a 2012 G37 Conv with premium plus nav.

    These are the values that I calculated for myself:
    MSRP: $53245
    BASE Cap Cost: $46740
    Down: $5000
    Residual on a 36 month lease with 10k @ 57%
    Money factor I took the 0.00047 as advised above
    Sales tax @ 7.5%

    In the standard lease calculator i get
    $350.27 + $26.27 Tax

    Does this sound about right or do I have an error in the calculation?

    Thanks a lot!!!

  13. Anyone hear about an 18 month “test drive” lease from IFS for $249/mo oac with loyalty rebates on a 2012 g37 sedan, 10k/yr? I got an email forwarded to me that looks like spam, but who knows….

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