1204_mercedes-benz_sls

2012 Mercedes-Benz Lease Rates – April 2012

April numbers remain the same as March. There is some customer cash on the C-Class and E-Class listed on Edmunds.com. In addition, it looks like there’s a four-month “pull-ahead” program available on select vehicles. They are calling it the “4 Payment Loyalty Accelerator Program”. If you are looking to get out of your lease early, ask your dealer about this program.

Another interesting topic that was brought to my attention is in regards to the “Super Tier” or A1 tier. Typically, the top tier requires a credit score of about 700+. However, select models that have the “standard” money factor (.00225) have a “Super Tier”. This tier provides a discounted MF (.00195). However, in order to qualify, MBFS will look at your credit as a whole, not just your credit score.


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 – $36,550
Monthly – $455+ tax
RWG Rating – 85.2

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2012 Mercedes C300 4matic Sport 4dr Sedan
36 Month – Residual 58% of MSRP – .00177 Base Rate

2012 Mercedes C250 Sport 4dr Sedan
36 Month – Residual 59% of MSRP – .00190 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 – .00169 Base Rate

2012 Mercedes E350 2dr Coupe
36 Month – Residual 57% of MSRP – .00175 Base Rate

2012 Mercedes E350 2dr Convertible
36 Month – Residual 57% of MSRP – .00177 Base Rate

2012 Mercedes GL450 4matic
36 Month – Residual 55% of MSRP – .00140 Base Rate

24 Month – Residual 68% of MSRP – .00140 Base Rate

2012 Mercedes GLK350 4matic
36 Month – Residual 54% of MSRP – .00166 Base Rate

2012 Mercedes ML350 4matic
36 Month – Residual 56% of MSRP – .00191 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 – .00225 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 – .00165 Base Rate

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

1203_mercedes_benz_sls_amg

2012 Mercedes-Benz Lease Rates – March 2012

Bad News: TrueCar is no longer displaying factory/dealer invoice pricing. This will make negotiating a bit more difficult, but not impossible.

Worst News: MBFS kept the residuals intact, but bumped the MF on many of their vehicles including the C-Class sedans. To add insult to injury, MB also changed the loyalty cash from $2000 to $1000. The C250 Coupe just got about $30 bucks more expensive (see calculation below).

Good News: TrueCar seems to have reinstated the Dealer/Factory Invoice pricing back into their website. WooHoo! Looks like I celebrated too early. It’s offline again…*sigh*


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 – $35,500 ($1000 loyalty cash applied)
Monthly – $424+ tax
RWG Rating – 89.5

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2012 Mercedes C300 4matic Sport 4dr Sedan
36 Month – Residual 58% of MSRP – .00177 Base Rate

2012 Mercedes C250 Sport 4dr Sedan
36 Month – Residual 59% of MSRP – .00190 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 – .00169 Base Rate

2012 Mercedes E350 2dr Coupe
36 Month – Residual 57% of MSRP – .00175 Base Rate

2012 Mercedes E350 2dr Convertible
36 Month – Residual 57% of MSRP – .00177 Base Rate

2012 Mercedes GL450 4matic
36 Month – Residual 55% of MSRP – .00140 Base Rate

2012 Mercedes GLK350 4matic
36 Month – Residual 54% of MSRP – .00166 Base Rate

2012 Mercedes ML350 4matic
36 Month – Residual 56% of MSRP – .00191 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 – .00225 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 – .00165 Base Rate

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

2012_benz_c-class

2012 Mercedes-Benz Lease Rates – February 2012

I’m only seeing one big change this month and it’s on the SL550’s MF. It drops from .00225 to .00165. Significant, specially when you are looking at a car at this price range, but probably doesn’t affect too many of us since this isn’t exactly a “mainstream” vehicle.

I’m still liking the C250 coupe if you qualify for the Loyalty cash. The slight drop in sale prices has helped drop the payments about $9 per month, which doesn’t look like much, but every little helps. The cash is really huge because it boosts the discount off MSRP from 4% to 9.5%, which is really the difference-maker here. If I were in the market for the C250 coupe right now and qualified for the loyalty cash, I would ask for 4% off MSRP, then take the $2000 loyalty cash and use it to pay drive-offs. Then I would drop extra cash as MSDs in order to drop the MF since it’s pretty high.


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 – $34,500 ($2000 loyalty cash applied)
Monthly – $394+ tax
RWG Rating – 94.3

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2012 Mercedes C300 4matic Sport 4dr Sedan
36 Month – Residual 58% of MSRP – .00146 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 – .00165 Base Rate

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

1201_mercedes_benz_sls

2012 Mercedez-Benz Lease Rates – January 2012

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

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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

1112_c63_amg_coupe_black_series

2012 Mercedes-Benz Lease Rates – December 2011

MB numbers remain the same as last month. The C250 coupe is getting a lot of attention lately. The residual value is so high, it really helps offset the high money factor. Dealers have been selling the car for about 4-5% off MSRP. Keep in mind that you can get the car at 7% off MSRP via European delivery, which may or may not be worth it depending on your preference. If you can make a short vacation out of it, picking up your car in Europe wouldn’t be such a bad thing, specially when you can get an extra 2-3% off the sticker price. Another HUGE perk I’d like to point out is the $2000 loyalty cash that is available to those of you with active MBFS loans. Check out my calculation below for an example of what payments would look like in a “best case” scenario (without having to pick the car up in Europe).


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 Sport Coupe
MSRP – $45,710
Sale Price – $41,784 ($2000 loyalty cash applied)
Monthly – $485+ tax
RWG Rating – 92.7

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2012 Mercedes C300 4matic Sport 4dr Sedan
36 Month – Residual 60% of MSRP – .00142 Base Rate

2012 Mercedes C250 Sport 4dr Sedan
36 Month – Residual 61% of MSRP – .00154 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 54% of MSRP – .00146 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 56% of MSRP – .00135 Base Rate

2012 Mercedes ML350 4matic
36 Month – Residual 57% 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 52% of MSRP – .00112 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

mbzmain

2012 Mercedes-Benz Lease Rates – November 2011

This month’s MB numbers look decent. I’m not seeing any rebates on the C250 on Edmunds this month, but the lease rates look better than usual. The average discount on TrueCar for the SoCal region is about 5% off MSRP, which isn’t all that great. However, you can get 7% off MSRP if you opt for the European Delivery program. This might be a good option if you’ve been itching for an European vacation and couldn’t find an excuse, until now.

The following information about the European Delivery option was taken from Edmunds.com:

Mercedes-Benz European Delivery Program is availables to customers who take delivery of a new vehicle in Germany. European Delivery Program includes 7% discount off total vehicle MSRP (excluding AMG models), One night’s hotel accommodations in one of 14 luxurious hotels, MBUSA personal travel concierge service for hotel and airline reservations, breakfast or lunch at the Sindelfingen Delivery Center restaurant, two taxi coupons for ride from airport or main railroad station to the Delivery Center or hotel, Sindelfingen factory tour, Two tickets to Mercedes-Benz Museum, Full tank of fuel, 15 days European road insurance, vehicle destination and delivery charge is waived, Conveyance from 12 European drop-off points to port of shipment, Marine insurance, Return shipment to U.S. port, VPC processing, transportation to selling/delivering dealer, 10% dealer commission.


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.

Euro Delivery Option
2012 Mercedes C250 Sport 4dr Sedan
MSRP – $35,675
Sale Price – $33,178 (7% off MSRP)
Monthly – $402+ tax
RWG Rating – 88.8

Without Euro Delivery Option
2012 Mercedes C250 Sport 4dr Sedan
MSRP – $35,675
Sale Price – $33,999 (5% off MSRP)
Monthly – $426+ tax
RWG Rating – 85.3

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2012 Mercedes C300 4matic Sport 4dr Sedan
36 Month – Residual 60% of MSRP – .00142 Base Rate

2012 Mercedes C250 Sport 4dr Sedan
36 Month – Residual 61% of MSRP – .00154 Base Rate

2012 Mercedes C250 2dr Coupe
36 Month – Residual 66% 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 54% of MSRP – .00146 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 56% of MSRP – .00135 Base Rate

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

2012 Mercedes S550 4matic
36 Month – Residual 52% of MSRP – .00112 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

1110_mercedes_benz_e350

2012 Mercedes Benz Lease Rates – October 2011

I’m sure a lot of folks are curious as to what the payments look like on the brand new 2012 C-Class Coupe. Well, don’t expect too much. The residual value is fantastic. Unfortunately, the Money Factor and the Sale price is not. You can get a feel for how the payments look like by checking out the sample calculation below. Keep in mind that this is a “low” estimate. I expect the payments to be higher due since this is based on a “base” price.

Overall, I’m not fond of the lease rates, but MB has been lagging behind in sales, so pricing may improve over the course of the year. I personally think the C coupe shows a ton of promise due to its high residual value. Just have to wait for the money factor and sale prices to come down a bit.


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 C250 Coupe
MSRP – $38,095
Sale Price – $36,491
Monthly – $454+ tax
RWG Rating – 85.4

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2011 Mercedes E350 4matic 4dr Sedan
36 Month – Residual 52% of MSRP – .00192 Base Rate

2012 Mercedes C300 4matic 4dr Sedan
36 Month – Residual 62% of MSRP – .00182 Base Rate

2012 Mercedes C250 2dr Coupe
36 Month – Residual 66% 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 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 58% of MSRP – .00177 Base Rate

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

2012 Mercedes S550 4matic
36 Month – Residual 52% of MSRP – .00092 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

2009 Mercedes Benz CLK, G, SL, SLK Lease Rates – October 2009

logo_benzMy Take: There are still some decent leases on leftover 2009 Mercedes Benz models, but you’ll have to be aggressive with the sale price. Take the SL550 for example. .00020 MF breaks down to about 0.48% APR, you can do a 10k mile per year lease and your residual should jump to 50%. Pretty solid if you ask me. The CLK convertibles and SLK300 and SLK350 should also be considered due to their resonable money factors. We’re nearing the end of the year, so whatever you see on the lot, is probably what you are gonna get, so if you find something you like. I recommend that you do something about it.

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2009 Mercedes CLK

2009 Mercedes CLK350 Coupe
24-month | 15k miles | residual 43% | .00420 base money factor
36-month | 15k miles | residual 40% | .00385 base money factor
48-month | 15k miles | residual 34% | .00385 base money factor
60-month | 15k miles | residual 29% | .00385 base money factor

2009 Mercedes CLK350 Convertible
24-month | 15k miles | residual 50% | .00118 base money factor
36-month | 15k miles | residual 47% | .00118 base money factor
48-month | 15k miles | residual 34% | .00118 base money factor
60-month | 15k miles | residual 29% | .00385 base money factor

2009 Mercedes CLK550 Coupe
24-month | 15k miles | residual 41% | .00420 base money factor
36-month | 15k miles | residual 38% | .00385 base money factor
48-month | 15k miles | residual 32% | .00385 base money factor
60-month | 15k miles | residual 27% | .00385 base money factor

2009 Mercedes CLK550 Convertible
24-month | 15k miles | residual 48% | .00118 base money factor
36-month | 15k miles | residual 45% | .00118 base money factor
48-month | 15k miles | residual 34% | .00118 base money factor
60-month | 15k miles | residual 28% | .00385 base money factor

2009 Mercedes G

2009 Mercedes G550
24-month | 15k miles | residual 48% | .00420 base money factor
36-month | 15k miles | residual 44% | .00385 base money factor
48-month | 15k miles | residual 36% | .00385 base money factor
60-month | 15k miles | residual 31% | .00385 base money factor

2009 Mercedes G55 AMG
24-month | 15k miles | residual 45% | .00420 base money factor
36-month | 15k miles | residual 40% | .00385 base money factor
48-month | 15k miles | residual 35% | .00385 base money factor
60-month | 15k miles | residual 31% | .00385 base money factor

2009 Mercedes SL

2009 Mercedes SL550
24-month | 15k miles | residual 51% | .00050 base money factor
36-month | 15k miles | residual 47% | .00020 base money factor
48-month | 15k miles | residual 35% | .00020 base money factor
60-month | 15k miles | residual 27% | .00385 base money factor

2009 Mercedes SL600
24-month | 15k miles | residual 42% | .00420 base money factor
36-month | 15k miles | residual 39% | .00385 base money factor
48-month | 15k miles | residual 29% | .00385 base money factor
60-month | 15k miles | residual 22% | .00385 base money factor

2009 Mercedes SL63 AMG
24-month | 15k miles | residual 42% | .00420 base money factor
36-month | 15k miles | residual 38% | .00385 base money factor
48-month | 15k miles | residual 29% | .00385 base money factor
60-month | 15k miles | residual 24% | .00385 base money factor

2009 Mercedes SL65 AMG
24-month | 15k miles | residual 36% | .00420 base money factor
36-month | 15k miles | residual 32% | .00385 base money factor
48-month | 15k miles | residual 25% | .00385 base money factor
60-month | 15k miles | residual 22% | .00385 base money factor

2009 Mercedes SLK

2009 Mercedes SLK300
24-month | 15k miles | residual 49% | .00097 base money factor
36-month | 15k miles | residual 46% | .00082 base money factor
48-month | 15k miles | residual 37% | .00082 base money factor
60-month | 15k miles | residual 31% | .00385 base money factor

2009 Mercedes SLK350
24-month | 15k miles | residual 51% | .00158 base money factor
36-month | 15k miles | residual 48% | .00123 base money factor
48-month | 15k miles | residual 39% | .00123 base money factor
60-month | 15k miles | residual 32% | .00385 base money factor

2009 Mercedes SLK55 AMG
24-month | 15k miles | residual 47% | .00430 base money factor
36-month | 15k miles | residual 45% | .00385 base money factor
48-month | 15k miles | residual 35% | .00385 base money factor
60-month | 15k miles | residual 32% | .00385 base money factor