First off… Sorry @DailyDriven . You picked a bad example to call out max_g on his “finance is better” trope. Normally I’m all for someone telling max_g to stop telling people how bad leases are on a leasing forum. But, this is one of the cases I agree with him where financing this with a loan to sell later probably makes more sense.
Especially with the lease MF at .00267 and Subaru offering 2.9% over 48 months right now. The monthly effective cost if financed/sold after 36 months into the 48 month term is much less than the effective lease (which I tried to replicate).
Disclaimers:
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the 62% residual for a 36 / 15k feels very high. This could be mega-propped up. But it’s what the LH RateFindr spat out. If 3 year old WRX typically go for much less than 62% of MSRP… maybe financing becomes less attractive since the 62% resid would be unreliable.
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I can’t seem to get it to work with a $433/mon result (see link below). $433 makes the comparison even worse for leasing. So yeah. Please try to finance this instead if your monthly budget allows.
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I think the dealer put $443 of government fees in the cap cost that weren’t itemized by @Wandson_Santana
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Even if they added the opportunity cost of the equity-capital in the car through the financing option, I don’t think it’d skew the side-by-side in favor of leasing.
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I zeroed out the disposition fee… because on the financing side it assumes you sell the car without recon or pack.