I got what I think is a good offer, although the lease payment was higher than I wanted. Before I sign, I wanted to run this up the flagpole.
12,000 miles, 36 months, NJ, All rebates other than MB Loyalty, 0 down inc. all taxes, tags, fees, other than first months payment.
MSRP: 79,335
Discounts: Invoice plus $17,000 rebates from MB, total $20,575
$863.20/month
MSRP: $79,335.00
Initial Cap Cost: $75,760.00
Adjusted Cap Cost (AdjCapCost-CL/AH): $63,146.44
Residual Value: $35,700.75
Residual %: 45.00%
Lease Term: 36 months
Money Factor: 0.00102 (≈ 2.45% APR)
Monthly Payment: $863.20
Due at Signing: $863.20
Annual Mileage Allowance: 12,000 mi
Evaluation:This suggests very strong savings/incentives applied.
Let’s calculate a rough estimate:
Actual Monthly Payment: $863.20
This matches very closely, indicating no inflated fees or markup in the lease structure.
Very clean start-of-lease cost. Conclusion: Is This a Fair Lease?Yes, this appears to be a very fair – and even favorable – lease.
Pros:
If this is for a premium or luxury vehicle, this is an excellent lease given the large incentives and low effective APR.
Total Discount: 20.4% off MSRP
Was this the best you can find?
Please correct me if I am wrong. How is the adjusted capital cost $63146.44 after the $17k rebate/discounts.
Your Gross capitalized cost is 75,760/
Your capitalized cost reduction is another $17000 in rebates
Are there substantial fees added that is not reflected here ? Or perhaps your 17k rebates include the ~4000 discount already.
Starting Data:| Item | Amount |
|---|---|
| MSRP | $79,335.00 |
| Gross Cap Cost | $75,760.00 |
| Rebate / Cap Reduction (Aftersale) | –$17,000.00 |
| Acquisition Fee (Capped) | +$1,095.00 |
| Adjusted Cap Cost (line shown) | $63,146.44 |
Check the Math:To calculate the Adjusted Capitalized Cost, we use:
Adj Cap Cost=(Gross Cap Cost+Capped Fees)−Rebates / Reductions\text{Adj Cap Cost} = (\text{Gross Cap Cost} + \text{Capped Fees}) - \text{Rebates / Reductions}Adj Cap Cost=(Gross Cap Cost+Capped Fees)−Rebates / Reductions
Plugging in:
Adj Cap Cost=(75,760.00+1,095.00)−17,000.00=59,855.00\text{Adj Cap Cost} = (75,760.00 + 1,095.00) - 17,000.00 = 59,855.00Adj Cap Cost=(75,760.00+1,095.00)−17,000.00=59,855.00
But the document shows:
Discrepancy:The adjusted cap cost shown is $3,291.44 higher than what the math suggests.
Possible Explanations:Here are plausible reasons for the discrepancy:
Most Likely Case:
I really dont trust ChatGpt. They make models out of thin air. Lol
lmao
I pay for a sub, so it better make sense!
Forget Chapstick… Let’s take a look at this….
MSRP ………………………………. 79335.00
Dealer Discount…………………. 3575.00 (4.5% disc…. Seems weak to me)
Sell Price …………………………. 75760.00
*NJ Taxes…………………………. 1926.44
NJ Tire Tax……………………….. 6.00
Motor Vehicle Reg/Title……… 1110.00
MB Acquisition Fee…………… 1095.00
Doc Fee …………………………. 249.00
Gross Cap………………………. 80146.44
CCR- rebate……………………. 17000.00
Adj. Cap………………………….. 63146.44
MF…………………………………. .00102
Term………………………………. 36
RF………………………………….. 45%
RV…………………………………. 35700.75
Base Pay = (AC-T + RV) + (AC – RV)/Term
AC-T = Adj. Cap excluding tax = 63146.44 – 1926.44 = 61220.00
Base Payment = 807.71
*Taxes = 6.625% x 36 x 807.71 = 1926.39 …. Close enough
Note: The CCR rebate of 17000 was not taxed… I believe it is not taxable in NJ.
Monthly Pay = (AC + RV) + (AC – RV)/Term
= 863.20
Bottom line: DAS = 863.20 followed by 35 monthly payments of 863.20 each.
??? Let me know.
Auto Lease Ninjas is at 750 pre tax with first month only drive off on an 83k msrp eqe suv so yeah you can do better.
FWIW I have an 87k msrp EQE 350+ SUV and consider driver assistance package to be an absolute requirement on this vehicle if you ever drive more than about 3 miles on the highway.
Also, my opinion is that for $800/mo range I would look at other options.
Keep in mind that MB just dropped the MSRP on 2026 EQE SUV to $66k range.
For a EQE350? That’s a hard pass from me
Check Signed Deals & Tips to see how cheap these have been preciously and Marketplace for where they are now.
You can’t go back in time but hacking is all about choosing the right car at the right then.
I assume the 17K includes the $4000
This is one of the dumbest things I’ve read here: using AI to make a judgement call or understand the value of money or what’s a hacked/unhacked lease? Not happening today.
Are we now r/askcarsales?
I can go back in time, because I have not signed a contract yet. It seems the group answer is, pass.
Nope. See my post above.
Yes, you can.
There is always one. You’re a hero, feel better?
The premise of his statement is correct. The AI is missing critical info that is needed to make this decision and it’s coming to incorrect conclusions. As Delta pointed out-
-the dealer discount is incredibly low, and proper research on this car would show discounts of at least 12-15% on a new model. So the response you’re getting is because the answer you’ve provided could cost people thousands of dollars if they took it as accurate.
With a 13% discount (pre incentive, pre fleet/dealer cash) at buy rate MF, OP would be at $635/month with $635 due at signing on this model. That assumes NJ tax at 6.625%, not sure if it’s still half that.
The discount is 4% not 20%. We don’t count incentives as discounts since everyone gets it.
I didn’t mean to appear larger than any “bridges”, but the point stands. You posted bad info that could lead to bad decisions. You were corrected and are now upset at the correction.
The entire point of this site is to offer good, actionable advice. It’s not to offer a deluge of highly questionable data that only add to the confusion of newcomers or novices.
