First time posting..my dealership wont give me a better MF rate and trade in value even though i am tier-1 and my trade in only has 10,500 miles in excellent shape…how do i get my rate down? Any help is appreciated!
What is your trade really worth? Have you inquired at CarMax carvanna, etc?
Put aggressive educated offers together using your spreadsheet or the LH calc instead of relying on dealers to quote you. Look at wiki to learn how to use.
My carvana offer was 24,400 and my carmax was 23k…dealership only wants to match carmax. I told them if my mf rate was .0025 and my trade in value was 23,600 i would love to lease it today and they blew me off…
Also i did use quotedefender and the lease hacker calc…quotedefender told me my mf rate was high and it rated my deal as below average..honestly i just want an average deal..hoping to only use 1.5k of equity/ no money down/ .0025 mf/ and would like my monthly to be around 330-350.
Is your current cross trek lease?
Yes! Currently 327 per month..crosstrek base trim
How many months are left on it? I’m not following the logic here to get into a premium?
My current lease is until june 2027..they made me an early trade in offer for another base trim but that was even higher than this is one so i didnt take it…i figured that im getting somewhat better deal on this premium and its silver which i like…do u reccomend not upgrading to a premium overall and sticking with base trim?
I recommend you stay with what you have and take some time to learn what is happening with this deal. The money factor isn’t the only issue here and I’m going to assume the dealer is not doing you any favors on the trade.
Thank u for the advice…i guess i reached out here to see if anyone could help me make sense of this deal..i understand there is not a lot more incentive to upgrade to the premium but other than having them take off the optional vtr i dont know what else i can negotiate? The doc fees are not out of the average range for IN, i know they wont work on the listed sale price and its painfully obvious they wont budge even a little on money factor or trade in value…am i asking too much to get a slightly better rate at the least..sorry if i am dumb asking this..i genuinely am trying to get better understanding…thank u for helping me!
- it sounds like the dealer contacted you about an early trade-in on your lease, if so you were marketed-to and should always ignore those inquiries. You decide when it’s time for a new car, they don’t
- Subaru doesn’t have a pull-ahead (too early even if they did) or any OEM support so you’re paying the cost of this early-swap
- without reviewing your prior lease: unless you live in a no sales tax state and the prior lease was a sign-and-drive - you already prepaid some utility in your lease that will be vaporized in this transaction. E.g. if your old lease was 36 months and $2500 DAS you are lighting $900 on fire without the warmth of 9 burning benjamins
- we always-always-always recommend separating the trade from the new lease for this reason. Carmax and Carvana are probably not enough data points to consider, but there’s no reason with the numbers you presented to include the trade with the lease. The dealership wants margin on both sides.
If you want a new CT: start over
- block this dealer
- separate the trade from the new lease
- move to a strategy of making offers
What is payoff on current lease? Dealers do this marketing to get people who don’t really understand the ins and outs of leasing into the door to try to take advantage of them again. If you dont understand the math 100% and how a lease payment/DAS really comes together with all the negotiable components you are going to give them 1000’s. Google or AI and ask to teach you. And spend a day on it. Put together your own spreadsheet is how to really learn best.
I still have not seen an LLM correctly calculate a lease so I wouldn’t recommend this.
Mine has after I trained it using my spreadsheet! 
You should make a wiki on how to train an LLM to do this. Would be very popular and helpful!
It isn’t very hard…you basically just confirm the equations it uses to come up with the lease payment. I shared my Excel formulas with it. And it said yes you are right! Lol
To start just prompt like this (filling in your numbers for your situation) and compare to your calcs/spreadsheet to see if correct.
What would be lease payment for 71850 car with 10% off and 925 in acquisition fees that will be capped along with 1500 in incentives. MF is 0.0011 and rv is 57% for 39 months. Show your equations.
If you have to show your equations and enter all the numbers anyway, whats the benefit instead of just using your existing spreadsheet?
Well, you should always double check anybody’s math (including your own)! Once you have the AI trained you can start asking more questions beyond the lease such as about total cost of ownership scenarios vs cash or financing, etc.