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Mobile Monthly Car Lease Calculator

Car Lease Negotiating Tips

Here are some tips that may help during your vehicle leasing process:

  • Negotiate the capitalized cost as if you were purchasing the vehicle. The capitalized cost or "cap cost" of the vehicle should be thought of as the selling price of the vehicle. Try to negotiate the lowest cap cost possible for the vehicle. A lower cap cost means a lower monthly payment.
  • Make sure the mileage on the lease is realistic. Many times, a dealer will allocate a lower mileage to get the monthly payments lower. However, be sure to estimate how much you will drive the vehicle as you many end up paying a lot more in the long run. Check with the dealer to determine the implications of going over the allotted mileage.
  • Check the money factor. The money factor is basically the annual interest rate on a loan. To determine the interest rate, multiply it by 2400. For example, if the dealer states the money factor is 0.00375, the interest rate would be 9 % (0.00375 * 2400). To determine the money factor from an interest rate, divide it by 2400; for example, the interest rate is 3.90 % so the money factor would be 0.001625 (3.90/2400). If you find that the money factor is greater than the interest rate for a 60 month car loan, try and negotiate the money factor down.
  • Determine if you want to put money down, also known as the Capitalized Cost Reduction. Determine if this is the right choice for you. While putting money down will help reduce the monthly payment, you may lose that money if your vehicle gets totaled in an accident. More than likely, the insurance company would pay the claim to the lender and you would lose the down payment. Try and put as little money down if you are leasing a vehicle.
  • Do not be afraid to say no. If something doesn't feel right, just walk out of the dealership. There are plenty of other places that would love your business.
  • Be prepared!!! I can't stress this enough. Evaluate your financial situation and determine how much you can comfortably afford. Get your credit report and score and make sure everything is correct. Compare interest rates and leasing terms from various dealerships. Research the vehicles you are interested in, including features, options, and pricing.
  • Use this calculator while you are shopping around. While going to various dealerships, you will be bombarded with numbers. Calculate your lease payments and email yourself the results for record keeping (Please keep in mind that I do not sell your information so feel free to email yourself as many results as you would like). Estimate your lease payment using this calculator before signing the lease agreement. Many times dealerships will make mistakes and you will end up paying more without knowing.
  • Read everything carefully before you sign it. You can always walk out of the dealership before any papers are signed.

Good luck on your vehicle lease and thank you for visiting

Lease Calculator Instructions

This free calculator helps to estimate your monthly vehicle lease payments.

= Sticker price of vehicle.
Cap Cost = Agreed upon price of vehicle. You should negotiate the cap cost as if you were financing the vehicle.
Cap Cost Reducation = Down payment on a lease. Ideally, this should be 0. You may also put in your Trade-In value here.
Money Factor = Interest rate that the lease is based on. To determine this number from the annual interest rate, take the interest rate and divide it by 2400. For example if the interest rate is 9.00 %, the money factor is 0.00375 (9.00/2400).
Lease Term = Period over which the lease agreement is in force. A 36 month lease is recommended to ensure warranty coverage.
Residual Value = This is the value of the vehicle after the lease term. Most vehicles have a residual value of between 50 and 58 % for a 36 month lease term.

Be sure to ask your dealer for the Money Factor and Residual Value.

Please fill in the form and click Calculate.
% (Money Factor of 0.00375 = 9%)

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This calculator is intended solely for general informational and educational purposes and is provided as a rough estimate based on the information provided above by the user. You should not take action based on the information provided through this calculator alone. Please note that title, registration, and other fees and personal circumstances such as employment status and debt-to-credit ratio were not considered in the calculations. Personal circumstances may have a significant effect on interest rates an individual might qualify for. When available, we recommend that you use interest rate information provided to you by your dealer or lender.

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