2016 Cadillac CTS 2.0T AWD Residual and Money Factor

Using one of the common car pricing websites, I can get a CTS for over 14% off MSRP (this includes $3000 conquest cash incentive). If you lease a current ATS, you can get $4000 cash incentive, making it an even sweeter deal at about 15.8% off.

What kind of residuals should I be looking for at 12K miles per year and what type of money factor as well?

I understand with Cadillac you cannot do Multiple Security Deposits, which I would prefer to do.

Thanks in advance!

24 27 36 39 42 48
6AF69 4DR SDN 2.0L 63 61 57 55 53 48
6AF69 4DR SDN 2.0L AWD 63 61 57 55 53 48
6AH69 4DR SDN 2.0L LUXURY 65 63 59 57 55 50
6AH69 4DR SDN 2.0L LUXURY AWD 65 63 59 57 55 50
6AK69 4DR SDN 2.0L PERFORMANCE 63 61 57 55 53 48
6AK69 4DR SDN 2.0L PERFORMANCE AWD 63 61 57 55 53 48
6AL69 4DR SDN 2.0L PREMIUM 63 61 57 55 53 48
6AL69 4DR SDN 2.0L PREMIUM AWD 63 61 57 55 53 48
6AH69 4DR SDN 3.6L LUXURY 65 63 59 57 55 50
6AH69 4DR SDN 3.6L LUXURY AWD 65 63 59 57 55 50
6AK69 4DR SDN 3.6L PERFORMANCE 63 61 57 55 53 48
6AK69 4DR SDN 3.6L PERFORMANCE AWD 63 61 57 55 53 48
6AL69 4DR SDN 3.6L PREMIUM 63 61 57 55 53 48
6AL69 4DR SDN 3.6L PREMIUM AWD 63 61 57 55 53 48
6AL69 4DR SDN 3.6L VSPORT 63 61 57 55 53 48
6AL69 4DR SDN 3.6L VSPORT PREMIUM 63 61 57 55 53 48
6AJ69 4DR SDN V 65 63 58 56 53 48
Ultra Low Mileage Leases (10,000 miles per year) - Add 2 points for 24-35 months, 3 points for 36-47 months and 4 points for 48 months (Only available for FICO scores of 620 or greater. For joint applications,
both applicants must meet the 620 minimum FICO requirement.

Low Mileage Leases (12,000 miles per year) - Add 1 point for 24-35 months, 2 points for 36-47 months and 3 points for 48 months

24 & 27 month 36 and 39 month 42 & 48 month
MF APR CCR

CTS Sedan V 0.00150 3.60% $0 0.00084 2.02% $0 0.00112 2.69% $0
CTS Sedan Luxury 0.00153 3.67% $0 0.00104 2.50% $0 0.00127 3.05% $0
CTS Sedan All Other 0.00144 3.46% $0 0.00098 2.35% $0 0.00124 2.98% $0

Thanks!

So, if I am reading this right for a 2.0T AWD Luxury for 12k miles year at 36 months, the Residual is 61 and the MF is 0.00104, correct?

If so, combined with the large % off MSRP, this seems like a relatively good lease.

Numbers look right. No lease cash, so it better be a hefty discount.

Using the discount and incentives from a popular car pricing site, the lease calculator on this site gives me:

MSRP of $54,280 - 36 Month lease for 12K miles/year @ $482 month (including tax at 8.875%)

Drive off is 1st month’s payment plus $480 for License/Registration and Document fee.

It may not be once in a lifetime good, but I think its pretty solid, no? Am I missing anything? Think I can do much better? All advice is welcome. Thanks

That payment looks good to me if you can get it. The good rule of thumb is a good lease payment with nothing down should be one percent or less than the msrp.

Dealers that I have talked to are saying these residuals and money factors aren’t doable or accurate. Do I just need to push harder or am I doing something wrong?

The residuals are set by GM Financial and can not be modified by anyone.

Money factor can be marked up by the dealer, but the ones I posted are the lowest they can offer, if you have excellent credit.

Since the CTS has many different models, just make sure you are using the right one and they are using the correct miles per year allotment. The program they use does all of this for them, it’s all automated.

Do you have the numbers for ATS 2.0 coupe and sedan?