Not very familiar with the Cadillac lease market so wanted to get some input. Car is a 2026 Vistiq Premium Luxury in Silver. The car is a loaner with 4000 miles. They quoted me $995/month for a 36/12 lease with nothing but drive-offs down. Did not quote me money factor etc.
Curious if this is a good deal or I should negotiate on it. MSRP is $94,485.
Please try to put together a calculator link; it’s difficult to provide much feedback on a deal otherwise.
Have you done any research to see if there are recent deals here on a loaner of this model?
Ok so I used the published Residual (62%) and MF (.00228) that I could find. Here is the result:
If’s a pretty rare car so didn’t find a lot of recent deals and not for the same trim…
Get the Hummer SUV posted by a member instead. This is too much for a Vistiq.
This is missing so much info…. dealer fees, registration fees, incentives… this doesn’t tell us anything.
If you set aside the offer you have for a bit, the most important two things to figure out are the prevailing dealer discount, and the list of incentives and corresponding amounts for which you qualify.
the current prevailing dealer discount requires looking at others’ deals (either advertised or signed), and you can get the incentive info from Rate Findr (if you’re a Super Supporter) or by posting a request in the Edmunds deal forum for this year/make/model/trim.
Regarding looking at prevailing discounts, #1 there aren’t many Vistiq deals out there and #2 there are even fewer loaner deals. So not a lot of data to go on. I will see if the dealer can get me more information.
Can’t find deal on hummer ev…
Have you done a search on the website? I don’t think there are any for this month (and I’m not sure if pre-incentive/-rebate discount off MSRP differs by model), but there are at least a few Vistiq deals over the past 6 mos.
Start here.
https://forum.leasehackr.com/search?q=vistiq%20%23marketplace%20order%3Alatest
https://forum.leasehackr.com/search?q=vistiq%20%23deals-and-tips%20order%3Alatest
You can also draw some inference between the spread between discounts on new and loaners by looking at other Cadillac models…
But spending some time looking at programs in Rate Findr (if you’re a Super Supporter) will give you more specific information, like if there are any additional incentives to you and/or the dealer on loaners.
Some of the recent Cadillac EV incentives have been regional, so make sure you are looking at programs as they apply to your registration zip code.
Also make sure you get $500 for opening a GM Rewards card, and the additional $500 private offer code from the Cadillac web site.
Doing a single-payment lease will also save you a non-trivial amount of money on the lease.
Instead of trying to optimize the quote you have now, follow the guidance you’ve received in this thread, and put together an offer.
If you need feedback on how to lay out the offer, post some questions about that after absorbing the feedback you’ve gotten in this thread.
You won’t find many Premium Luxury trims out there since the Luxury/Sport trims are so well equipped. For reference, out of 1,880 new Vistiqs on Visor.vin, 1,525 are either Sport or plain Luxury and only 256 are Premium Luxury.
All that to say you probably won’t find recent deals on that trim level, but you can make inferences based on other trims. My general rule of thumb for Cadillac lately is that 10-15% off MSRP BEFORE rebates is expected for a loaner. Probably closer to 15 for the less desirable/more expensive trims like yours. 36 month terms tend to be more expensive than 24 as well, so you will see fewer of those to compare to.
Do you qualify for any rebates? You can get $1000 between GM card and the private offer link @trism mentioned above. Some parts of the country still have $2k conquest available as well.
Your calculator is missing some key details, though I think it works in your favor. Is that sales price a pure discount off MSRP without any rebates? What are the government and dealer fees being baked into the deal? What do you mean by “nothing but drive-offs”? Is that zero just sign and drive? Or a grand or two in government fees up front but no down payment? If these are included in that payment that would imply the discount off MSRP is even greater than 15% or there are rebates involved. There were better deals to be had several months ago but that seems to be what we are seeing now outside of some unicorn deals.
You’ll see deals around $7-800/month for lower trims that retail in the low 80s and sell in the low 70s, so based on what you’ve shared so far I don’t think this is a terrible deal. Still need more details though.
If you can swing it, look at doing a one-pay; you’ll save a ton in rent charge especially on a 36 month term.
Thank you so much!!! Such a helpful post. This really points me in the right direction.
Happy to help! Keep us in the loop!
Open your eyes
Ok here is where we are at. 2026 Vistiq Premium Luxury…
MSRP - $94,990
Discount - $14,995
Customer Rebates - $3,500
Selling Price - $76,495
Tag/Registration Fees - $1,006
Electronic Filing - $37
Doc Fee - $85
Total Due - $77,623
The hang up is the MF. They are at .00328 which is insane. The published MF is .00228.
If they get to the published MF here is the calculator results for that (36 Month / 12,000 pre year)
Here is the 24/12 calculator. Looks even better…
Good deal?
Don’t think we will get there. They won’t budge on the MF. Obviously they are using the MF to make up the profit on the discount. I’ll let it stew and maybe I’ll get a call back. But don’t have a gun to my head on getting a car now…bummer I was excited to ink a deal.
Perhaps calculate the additional discount needed to compensate for the marked up MF?
It’s really hard to salvage a deal once you’ve just asked for a quote, which is why I suggested this
And for clarity, the offer is to present to a different dealer. This puts you in control of the process, rather than being subjected to it.
I did put an offer together. This is what they countered me with.
I presented this deal to another dealer and they said they couldn’t touch it.
