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    • Mazda, Buick and a few other car companies have not released their July Lease Specials. The June CX7 lease for $239 a month and $3334 Down will end tomorrow, July 6th. Hold tight and I will see what they have for July on the Mazda CX7.

  1. Isn't it odd that this site claims that Toyota and others haven't released new lease programs as of September 9th, when these details were listed on other sites on September 8th?, for example.

    • I checked Toyota's website from two different computers and two different IP Addresses before posting this information on September 8th and 9th.
      The explanation for this probably has to do with different zip codes when you search for specials in your location. Thanks for the feedback. I'll remember to search from a couple of different zip codes before I conclude that the latest lease offers haven't been announced.

      Thanks for writing,


  2. Hi,
    I am currently leasing a Saturn Aura 08 XE which will be done at the end of this year 12/2011. In regards to that I was wondering since Saturn doesn’t exist no more where would I turn it in? Would it be GM still? Also What cost factors would apply if I would try to get a different pre owned vehicle(purchase not lease) right now(11 payments left)



    • Daniel,

      Saturn is handled through GM and Chevrolet Dealers. For exact instructions on where to turn it in, just contact the finance company on your lease payment bill. They will instruct you as to where to turn in. If you have 11 payments left on your lease, you are probably upside down in equity. In other words, the payoff on your lease is probably greater than what the car is worth, so you will take a hit turning it in early. Your payment is usually roughly the same as the sum of its residual value plus the number of payments times your monthly payment. So, if you’re paying $300.00 a month and have 11 payments to go and your residual value is $12,000.. The Payoff is roughly $3300 + $12,000 = $15,300. There are lots of other considerations and factors that go into this. Simply, call the number on your bill and ask them how much you owe to payoff the car. It is very rare that you can turn in a car lease prematurely without owing a pretty good chunk of change to get out of the deal. If you put a large chunk of money down to get the lease that could make a difference. The leasing company will let you know how much you owe to get out of the lease. It’s probably somewhere close to the 11 payments remaining times your monthly payment.
      Best of luck,


  3. In the Feb leasing guide, did you include the 2011 Honda Accord Coupe? Seems like a pretty good deal and I’m a bit surprised that it didn’t make your list.

    *also– Thanks for what you do! It helps a lot of people make better decisions about their leasing choices!

    • Thanks, Steve.

      You’re absolutely right. The Accord Coupe is an excellent lease: $272.22 average payment with nothing down for 35 months. The Accord LX Coupe Retails for $24,330, giving you an LVR of 1.12%. I should have included this one for February, being that the Cadillac Coupe has such an attractive lease. Normally, Coupes don’t lease quite as well as Sedans. Probably because they are not as popular as sedans and therefore don’t carry quite as high of a residual value. I am working on a Coupe Car Lease article for my next installment. Thanks for writing.


  4. Steve,

    I think you have an informative site for people that are looking for a great auto deal. I’m currently leasing a BMW 335i convertible with a crazy high monthly number. Thankfully it’s only a 24 month lease and now I’m looking for a convertible (2 or 4 seat) that is a reasonable monthly payment with little money down. What are some of your recommendations?


  5. Just wanted to say>> ( Thank-you )..
    You do a ‘Great-Job’, bring the ‘Buyer’ and ‘Lease ‘…Together..
    I have Leased for 20 Years…for my oil company, wish you’d be around…
    Thank-you, for your ‘Hard Work ‘, and ture Dedication, to both ends of the Transaction… Respectfully, Bob Ward

  6. Just wanted to say>> ( Thank-you )..
    You do a ‘Great-Job’, bringing the ‘Buyer’ and ‘Lease ‘…Together..
    I have Leased for 20 Years…for my oil company, wish you’d beeen around…
    Thank-you, for your ‘Hard Work ‘, and ture Dedication, to both ends of the Transaction… Respectfully, Bob Ward

  7. Hi Rob,

    I love the way you rate the lease deals – especially the LVR. Have you considered adding a cost per mile on your monthly lease deal chart?

    Thank you,

    • Ricardo,

      Cost-per-mile is an interesting idea. It would be a good way to penalize those leases with a 10,000 mile limit. Ultimately, the cost per mile would be more accurately figured after the lease is up and you know how many miles you’ve driven the car. I’ll have to think about that. Thanks for writing,


      • Have you considered signups for an email newsletter or alerts when you add new info to your site? I don’t want to miss a great opportunity if I forget to check in for a while.

        Thank you,

    • Amy,

      You cannot get a 12-Month lease term on a new car, however, you can take over someone else’s lease. Find someone who doesn’t want to keep the car for their last year of the lease.
      There a couple or more services find people for you who are looking to get out of a car lease. Check them out here:
      Getting out of a Car Lease

  8. Hi,
    Thx for publishing these ratios. Makes comparisons easier.
    I wondered if you had any information on Xover/7seater deals.
    Im looking to move into an Acadia/Explorer/Touareg size but couldnt find much in way of information here.
    any thoughts on those leases?


  9. Hi,
    I wanted to know what you think of the BMW 535i lease offer for $599. If I did my calculations right, the LVR is coming out to be 1.24. I am comparing this with Audi A6 offers at different dealers. Let me know what you think of the current BMW offers.

    • Hi, Jay:
      Your lease calculation is right on the money. 1.24% is pretty average. I love and appreciate German engineering as much as you do, but BMW and Audi are really offering subpar leases offers compared to their Japanese competition. Checkout the Lease on the Infiniti M37 with an MSRP of around $54,100. The monthly payment is $100.00 cheaper with less money down. The Lease value ratio is only 1.06%. And I hate to say it, but Infiniti is giving you much more for your money. The M37 which retails for $1,000 less has AWD, a navigation package and 20 more horsepower. I’m not sure if the BMW marketing department starts high or if the short term resale value on cars just doesn’t warrant as good as lease. The MSRP on these BMWs is set too high when you compare the performance, features and equipment to Acura or Infiniti. If you’ve got your heart set on the BMW., I’d go to your dealer with the superior Infiniti lease information and put them to work on making you a better deal. See what they can do. Or, go test drive one of those M37’s – the owner satisfaction rating on those cars is excellent.

  10. About your rules on car leasing: if you are self-employed, and can write off your mileage, and drive lots of kilometres too, would it not be beneficial to take over someone’s lease, particularly if it is a reasonable one? You can get the benefits of the lease, and not have to pay for expensive repairs down the road if you own the car.

  11. I am at a loss why you consider putting money down on a leased car is a good deal? The minute you drive it off the lot and if it got totaled you lose that money down as tne insurer will only pay the leasing company the value of the car, I know my sons lease vehicle was totaled, not his fault, and we lost the money and I will never put any money down to lower the cost of the car again. Evry dealer when pressed on this issue agrees. When you rent from Avis or Hertz do you give them money down?

    • Jay, I agree with you completely. The whole reason we lease cars is to avoid the risk associated with money up front. That is why I refer to the AVG car payment as most important factor opposed to advertised car payment. The car dealers can make the advertised car payment look like anything they want. I only list them here because that is how they are advertised on the car maker’s website. You can get a rough idea on your 0-down lease payment by simply adding the down payment to the total cost of payments and dividing it by the term. It’s not exact, but close.

  12. Rob,
    I appreciate your site and all the time you put into it! I ended up getting the Hyundai Sonata back in 2011 and am coming up on the end of this lease so have come back to check out your site again. I’m more interested in a 4×4 this time and was looking at the Jeep Grand Cherokee…they have a $299/mo for 39mos with $2999 down. I have around $3k equity in my Hyundai (well under my miles) so was going to try and barter a deal for the Hyundai to use as the down and maybe knock it back to a 36mos for around $275/mo…any suggestions on how to approach this best?

    • Hi, Kent:

      I think the $275 payment with your Hyundai as equity and down payment would be a fair deal. The one thing you might want to do is see if they can change your lease term from 39 to 36 months. If you live in a state where you have to pay registration fees at the end of each year, the odd, 39-month lease term will cost you a little extra. Otherwise, if the Cherokee is the car you want, I think it’s a good deal. Best of luck.


    • Hi, Kim:

      That is a great question, but one that is a bit difficult to provide the perfect answer. I’ve seen good deals year-round. What makes the most difference in bang-for-the-buck leasing deals is the life-cycle of the car model you are after. For instance, I’ve seen great deals on late generation Honda Accords. Just as Honda begins introducing the newest models, is when you will find the best deals on any new, previous generation models which are still on the dealer’s car lots. They usually have lots of incentives to help get rid of the previous generation models, so they can make room for the newer models. The best rule of thumb in seeking good lease values is to go after cars with established residual values. Brand new models never lease well because the residual values have not been established. The other thing is to look for the older, brand-new cars on the lots. For instance, just as the 2016 models begin arriving on the lot is when you might get the best deals on an identical 2015 model. Hope this gives you some help.
      Thanks for writing,


    • Jeremy,

      It looks to me as though Jeep has pulled the offer off their website. Please check with your dealer.
      Thanks for the heads-up,


  13. We are interested in leasing a 2015 Toyota Camry. Dealer offering $179/mo with 2000 down. But your site say 0 down, 234/mo. How do I find/negotiate this?
    thanks for your help.

    • Hi, Marianne:

      My latest ratings for May show that the Camry is $179.00 for $1999 down for 36 months. If you wanted to get this same deal for nothing down, that would bring the payment up to around $234.00 because $1999 divided by 36 months is around $55.00 ($179 +55 = $234.00) Either way, is a reasonable deal. Hope this helps.


  14. rob, the few national deals you have shown that I have researched typically are for 10k.miles per year. as its hard to get MF and RV from the dealers to calculate myself,, do you have a rule of thumb on ballpark how much more they charge per month to go to 12k or 15k/year leases?

    • David,

      That is a good question. I usually estimate the excess mileage fees as a basis for getting a rough idea on how mileage allowance affects a car lease payment. Let’s say your lease contract states a fee of $.20 per mile in excess of 10,000 miles. If you drove the car 15,000 miles it would cost you $1,000 ($.20*5,000). $1,000 divided by 36 means it would add about $27.00 to your monthly payment. So, you can see that the difference between $10,000 and $12,000 miles is relatively small. 2,000 *.20 = $400 / 36 = $11.11 per month. Keep in mind, the excess mileage limits are likely to be higher on more expensive cars. I’ve seen them as low as ten cents, but they could be as high as 25 or 30 cents per mile. And, as is always the case with leasing, all things are negotiable. I hope this helps.



  15. Hi. Most of the better lease offers seem to be limited to people who are currently leasing from a competitor, aka Conquest leases. Any way to get around that? thx

    • I’ve noticed that works both ways. GM often offers loyalty rebates on one car, but then does the opposite on others. I think it’s all based on marketing. Basically, it means all things are negotiable with the dealer.
      Best of luck,


  16. I’ve been trying to find a decent lease for Fiat Pop and have been having a really hard time. I see no mention at all in your site about Fiats. Can you shed some light? Do you think they will be offering any good deals in the new year 2016? My current POP least terminate in March and I am wanting to get into a new one.

  17. Rob,

    I am working on a lease of a Chevy Traverse. I am at $259 per month for 36 months with an MSRP of 35,715 and 4,400 down which includes 1st payment, taxes, plates and doc fees. It comes up as very good on your simple calculator. The advanced calculator is a little harder as I believe your calculator is without taxes, doc fees, etc but it also comes up as very good and not far off from excellent if I tweak the numbers a little bit.

    The National Advertised price is $269 for 39 months with 4k down PLUS taxes, etc – I added floor mats and a trailer package so my MSRP is a little higher than the national advertised price.

    The money factor is .0065, selling price is 34,130 but that includes taxes, plates, etc the residual is 21,786.15 I am in Illinois so our local tax is 8.25%

    It appears to be a decent deal except for the upfront money which I will try to move as much as possible into the payment as long as it makes sense.


    Thank you!


    • Hi, Tony:

      I am very sorry I overlooked your comment last month. From the figures you provided, this looks to be a very good deal. The payment without anything down would be around $371.00 and that relates to an LVR of just around .01% which is very good. What did you end up doing?

      Thanks for writing,


  18. Hi Rob, Great website, very useful information. I am leasing a 2013 Volkswagen Passat, and my lease is coming due soon. I recently got a rather large rock chip (star shaped, about the size of a quarter) in the windshield. Do you think when I go to return it, they are going to charge me for that? Would I be better off having the windshield replaced or the chip filled before I turn it in?

    Given all that is going on with Volkswagen right now I won’t be leasing another one, so I won’t have any negotiating power, if that makes any difference.



    • J.P,

      Very sorry for the delayed reply. I just now noticed your comment. My recommendation would be to call the lease company and see what they suggest. The penalty on windshields varies from company to company. The best situation is if you were planning on getting another Volkswagen. That way you have flexibility in your negotiations with the dealer on the new VW. Let us know what you did.
      Thanks for writing,


  19. Hi Rob,
    Your site is fantastic, a great service, but I wish you’d cover more of the market and include more higher end vehicles.

    • Hi, Matthew:

      You make a good point about the higher-end cars. I don’t normally include many of them within the normal rankings because their bang-for-buck value tends to be so high. I realize it is important to cover the whole market. I used to write 3 or 4 monthly lease features which sometimes included high-end luxury vehicles, but it is difficult finding the time since I became a full-time teacher.
      I hope to get some more articles out there on luxury vehicle leases soon. Thanks for your feedback.


  20. I am interested in leasing a 2015 Mazda CX5. I am interested in leasing because my husband is ill and can no longer no assist me either physically or cognitively. He is the one who always took care of our vehicle and I know little about vehicle care. I like the idea of not being stranded with an older vehicle. Our current vehicle is 10 years old. It has served us well, but I would feel safer with a new car. Most of my friends are steering me away from leasing but I have read through your website and it makes sense to me. I’m just not certain I am confident enough to visit the Mazda dealer and make the negotiations. We have excellent credit. How do I start this process without looking like I’m someone who can easily be fleeced?

    • Hi, Nancy:

      Thank you for writing. It sounds as though you have given this some thought. The first thing to realize is that there are lots of leasing naysayers out there who try to scare people away from leasing cars. Don’t let them persuade or scare you away. Most of them have either never tried leasing, or had a bad experience and wrongly decided that leasing is always bad. As you and I both know, there are plenty of ways to get ripped off. Leasing is actually one of the safest financial decisions you can make because there is little, if any money down and lower costs throughout the financing term.

      Here are some articles of mine that might boost your confidence in the decision to lease:
      Dave Ramsey on Leasing a Car
      Car Leasing Myths

      Leasing makes sense for just about anyone who wants a lower car payment, drives less than 15,000 miles per year, and doesn’t intend to keep a car longer than 4-5 years before replacing it.

      The best way to begin negotiating a car lease is to look at the Manufacturers Website Deals or Current Offers.
      In you case, the Mazda CX5 Lease Deal is being offered for $244.00 a month with a $2,014. It doesn’t make sense to pay the $2,014 down. Just roll that into your payment. $2,014 over 36 months adds $55.00. That’s $299.00 per month for a car that retails for around $24,500. Unfortunately, that’s not a great deal, but that doesn’t mean your dealer can’t do better. Let the Website offer serve as your starting point. Also, keep in mind this doesn’t include tax. Also, beware of dealers that quote you one price, then at the last minute attempt to raise it with Dealer and Handling Charges. Make sure all fees are included up front in your initial quote. For a car with a list price of around $25,000, a good deal on a monthly payment would be around $275.00 before taxes. A great deal would be $250.00 or less. Use my Car Lease Calculator to help you determine this.

      Some car makers have better deals than others based on the age of the model. Because new models come out every 4 years, they usually do not lease as well in the first two years, until their resale (residual) value gets established. As of today, you could probably do better payment-wise with a Toyota RAV-4, Hyundai Santa Fe, or Nissan Rogue. But, if you have your heart set on the CX-5, getting the base, AWD 2.5L model for around $299.00 a month would be a reasonable deal based on the so-so manufacturer’s offer from Mazda on their website. For comparison sake, buying the car outright on a 0%, 60-month loan would yield you a payment around $416.00. If you wanted to keep the car after 3 years, this might be the better way to go on this particular model. Otherwise, set your negotiating price at $250.00 (Including Sales Tax) and nothing down, and take it from there, knowing that your top dollar is $275, $290, or whatever you want the top-end to be. They will always try to get more, so set your bottom line ahead of time based on my leasing calculator formula, and stick to it!

      I hope this helps. Don’t hesitate to write back and ask questions along the way. I’ve done this at least 15 times in the last 30 years, so I am pretty familiar with the way it all works.

      Best of luck,


  21. Last April I leased a new car (For Fusion) in what I consider terrible, very expensive conditions. My lease costs me more than if I had leased a Mercedes. It’s a long story, but the salient info is that I put down $ 5000 and I pay $ 450/month for 3 years, maximum 18,000 miles/yr.
    Questions for you: 1) Any way I can get Ford to review and maybe review, downsize my payments?, 2) Could I possibly get out of this lease, without losing a lot of money? 3) Is it too late to change anything?
    I’ll be glad to give you more details about this transaction if you’re interested.
    Thanks a million,
    Alfredo Santesteban, M.D.
    817 223 2567

    • Hi, Alfredo:

      $450 a month for a Fusion with no down payment at all would still be a really expensive lease. What is the reason for the $5,000 down? Were you upside down on your trade-in?
      At $450.00 a month, it is very unlikely you can trade your lease in, unless perhaps you have the very, very top of the line Fusion model. There are places who do this such as, but I don’t think you will get any takers with such a high monthly payment when you can lease a 2015 Infiniti Q50 AWD which retails for $42,000 for just $401.00 a month. I’m sure 18,000 miles had inflated the cost somewhat, but you could practically have bought the car for that price with no down payment.

      I think your best option is to stick this thing out another two years and make up for it by getting a really sweet deal on your next lease.
      Best wishes,


  22. rob, thank you for your site and service. I hope it brings u some business and advertising revenue, u deserve it.

    can I tell u my system and get input for tweaks?

    first thing I do is test drive the cars I want. I tell the salesman I am at least a few months away from end of my lease and just testing the waters, that way no hard sell

    second, I price the car in and get my 3 offers.

    third, the tricky part, I contact those 3 offers, (phone or email, not in person!) tell them I like that car but need the MF and RV to calculate what the lease price should be. I find this info very difficult to obtain. I have used for calculator and MF RV with some success.
    do you have any other ideas on getting this info?

    once I calculate lease price myself I contact dealers and show them my math and my offer based on the true car price. , profit should be built in. then the by phone and online dickering begins. it takes time. but I do it all by phone and online until deal is sealed before I go to dealer to lease car

    I really like your way of calculating, sort of a cheat simple way instead of obtaining all the numbers which is difficult

    what has struck me is how certain companies like infiniti tend to be better leases as they have high prices thus high RV and they really push the MF down. of course, this makes the car a great lease but terrible to buy out of the lease. example as per a reader above. my wife last year loved the ford fusion at MSRP 42k but the best lease I could get with nothing down as hard as I tried was like 480 mth (tax and all). we got a 47k MSRP q 50 hybrid for 437 mth nothing down, taxes included, as couldn’t move them and lowered MF to almost nothing.

    ive told friends that if want a great lease, u may need to be prepared to not be married to one specific car , like example above as u just cant get a great deal.

    but leasing is so much better than buying in so many ways as u allude to, and many old traditional people who think buying is the only way don’t see that u actually don’t spend much more by leasing, if any.

    thanks for listening. and thanks for your service!

    • Dear David:

      Thank you very much for your great post and support. You’ve made some great points.

      Your question about finding residual values sort of points to the whole reason for the LVR Lease Calculation that I use. The whole idea is that residual value, capitalized cost, and interest rates are negotiable terms. The only thing you cannot negotiate on a car lease is the MSRP which is car makers suggestion as to what the car is really worth. With that said, residual value is probably the single most important factor in a car lease payment and there is always a baseline residual which reflects the expected resale price of the car after a set number of years. This is why some cars lease better than others. They simply hold their value better. provides an easy way to find this baseline residual value very quickly. Just recognize that these official residual values don’t always represent the best deals which are based on manufacturer’s incentives for subvented lease deals.

      Aside from residual value, some cars simply do not lease very well. I believe this is probably related to the business model of particular car manufacturers who are not as inclined to offer as many incentives. Typically, I have found Ford, Mercedes, and Audi (all excellent cars) to lease very poorly. Infiniti, Honda, Toyota, Acura, Chevrolet, Lexus and sometimes, Cadillac, all usually lease very well. The best time to get the best car lease deal is at the very end of a car’s model year which is usually every four years. For example, I leased a 2012 Honda Accord at an outstanding payment just before the all-new, redesigned 2013 model was showing up on the lots. Look for the 2016 model to do the same.

      Hope this helps. Thanks again for the note.


    • You can get that deal just about anywhere. Honda’s advertised lease for the month of December is $189.00 per month with $1,999.00 down.
      Effectively, that means without the $1,999.00 down payment, you should be able to get it for around $245.00 with 0 Down since
      $1,999 / 36 months = $55.00 per month. Remember, that you never have to make a down payment on a lease. The down payment or cap reduction is used to make your monthly payment seem lower, but why pay the $1,999 up front rather than pay it out over the term of the lease?

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