Is this a reasonable offer to make for a Cadillac Optiq Loaner?

Ask the Hackrs
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1

Hey all, was hoping to get your opinion on whether this is a reasonable offer to make or if it’s too low?

Found a 2025 Optiq Luxury 1 loaner with almost 4,000 miles that I’m looking to do a One Pay on. For a 24/12k lease.

MSRP: $58,140

Target Sale Price: $52,000 (10.56% based on what I feel like is achievable plus the fact that it has 4000 miles already)

Incentives: $2000 Conquest, $2000 retired loaner, $500 educator, $500 GM Rewards card

Residual Value: $40,117 (69%) → $47,617 with the extra $7500 GM enhanced residual (82%).. not sure if I’m doing this part right?

Based on the calculator, I’m getting a one pay of $2944 which seems really low. Pretty sure they would scoff at that number and I was thinking of offering closer to $4000, but even then I’m still worried if it’s too low or my math is wrong somehow. Do you think I should start my offer higher so that I have a chance to get this before October ends?

Some similar deals I see in Signed! from this month:

$6958 one pay for Optiq Sport 1 loaner in California, 3% off MSRP, residual value 81%, $5500 in incentives, 24/12k

$8101 one pay for Optiq Luxury 1 loaner in California, 275 miles, 3% off MSRP, residual value 80%, $5500 in incentives, 24/15k

$3200 one pay for Optiq Luxury 1 in Florida, 500 miles, 0% off MSRP, residual value 86%, $4000 in incentives, 24/10k

Thank you so much for your help!

Signed: 2025 Cadillac Optiq Luxury 1 Loaner, 24/12k, One Pay $5250
2

I don’t know for sure, but I think the RV already includes the enhancement, which is probably why you’re probably getting such a low one-pay amount?

3

Yeah that’s what I was not sure about - but then when I looked in Signed! it seems like everyone is reporting residual values in the 80% range!

4

Was that before 9/30?

5

Nope, all were in October (the three examples I listed above)

So yeah I guess it’s unclear to me how leasehackr calculator is putting in the residual value vs how dealers are adding it in their actual deals with people

6

Posted or signed in October? Have not seen many good October deals on these

7

Signed! You can see them for yourself in Signed, they have all the contracts there also

8

I’ve still seen solid numbers on these in October - consistently in the low $6k range is achievable.

Couple notes to OP - are you sure RV is 82% on 12k? Thought it was 81% on 10k and -1% for 12k.

Also how realistic is that pre incentive discount? I usually see around $4k-$5k off on these. Haven’t seen $6k+ off without it being a one off type deal.

Edit: Actually your residual might be right - I remember hearing 81% from somebody but don’t remember who it was so it might be wrong.

10

Yeah maybe a bit optimistic with that discount, that’s a good point. I guess I wasn’t sure how much I could reasonably expect to get discounted for a loaner with 4k miles!

Also not sure about the RV, the way I calculated it is that I saw it was 69% or about 40000 on the leasehackr calculator. Added 7500 to that and it said it was almost 82%

11

Yeah I’m not too sure on the residual - maybe you’re right. It should be somewhere in the low 8x% range based on what I remember.

I think the main part is going to be the dealer discount. $6k+ will likely be tough to achieve.

The dealer that I got my Lyriq from wanted $15k for an Optiq Sport 2 24/10k one pay :rofl:

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12

Haha ridiculous what they sometimes ask for… but I’m sure they get a lot of unsuspecting people who bite which is so unfortunate for so many people!!

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13

When you said you usually see 4-5k off being achievable on these, were those also on loaners with decent mileage already on them?

14

The mileage on those are usually lower - like sub 1k miles. I haven’t seen many Optiq loaners get miled up so not sure how the market treats those cars. However, if my experience with Lyriqs translates to Optiqs then it’s more about whether it’s a dealer willing to discount or not. When I was Lyriq hunting there were dealers with high mileage units not willing to discount nearly as much as some other lower mileage units.

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15

I’m the one with the 25/15k lease. It was 7201 one pay. I added the wear/tear for 900.

For the 24/12k I was offered 6400-6500

I think with 4000 mi you should be able to get sub $6k, but like others have said many dealers aren’t willing to do deep discount on the MSRP.

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16

From my experience signing a 2025 Optiq loaner in 09/2025, I think $6K - $7K onepay is do-able. Although RVs and MFs and incentives all have changed, it seems like the overall price I’ve seen on here are still similar to the deals I saw/acquired in September.

17

So just to clarify - for GM ev leases we need to add 7500 to the rv in the calculator to account for the GM add in thru Oct 31? Seems tgtbt?

18

My understanding is “no”, GM calc already includes it.

19

That’s what I thought also at least up until 9/30 but it sounds like there’s some people that have been doing add-ons after Oct 1.

20

Yes, I see those contracts, and I don’t quite understand it, either (esp since the RV might be diff among contracts even for the same trim? I was [edit: wasn’t] paying super close attention).

Maybe ask a broker working w/ GM/Cadillac here how it is handled?

21

It’s definitely confusing. I just had a dealer offer me Lyriq showing rv almost 9000 more than the LH calculator. Seems as if somethings going on with the residuals on these.