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Discussion Starter · #1 ·
LEASE Factors Discount
MSRP $91.900 $10,000 off MSRP
Extended Price $81,900,000.00
Downpayment (cap reduction) $- 0
Acquisition fee $795.00
Security deposit $725
Doc fee $75.00
Registration $347.00 *Excluding supplemental title fee
Residual 50% $45,950.00
base money factor 1.71%
term 36 months
12,000 miles per year

Monthly Payment $1,166

Sales tax (upfront) 7.00% $2,746.34
Money due at signing $3,033.55
 

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That rate seems very low for an ALLY lease. What bank/lease company are they using?

If they are using a money factor of .00171 that equates to 4.11% and is acceptable for a lease through their luxury program. If they are telling you the rate is 1.71%, I would find that hard to believe.
 

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That is the accurate interest rate for Ally this month for Tier A. MF is .0007167. Tier S will get you to .0003 (yes, 0.72%).

Your security deposit should be your monthly payment rounded up to the next $50 so it should really be $1200.

I think you can do better. I would want around $78K extended price for that car.

My target would be $1040/mo with $4500 out of pocket (1st mo payment, security deposit, fees)

Also, don't forget to negotiate the maintenance in as part of the deal. They will throw that in to get the deal done.

EDIT: I'll add that the MF and residual are non negotiable. MF is based on your credit rating and residual on the term and mileage. Therefore, your main negotiating item is the selling price of the car.
 
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