36mo/12k – residual 58% – money factor .00276
36mo/15k – residual 57% – money factor .00276

My Take: If Mazda is “ZOOM ZOOM” then the Charger SRT-8 is “VROOM VROOM”. You can hear this car come roaring down the street before you even see it, much like its distant cousin, the Dodge Viper. I think the MF is too high, maybe you can put multiple security deposits down to lower it a bit. This is a mean ride so if you can afford the gas and the insurance, do it.