I’m finally about to take delivery on a 24 Wrangler Sahara 4xe ordered in May (whoop!). Trying to decide whether to go straight trade-and-purchase (I have a 2022 Sahara 4xe) vs trade-and-lease with an early buyout. Have never leased before, so that process is a bit murky to me. Either way I plan …

[image] kbow43: How can the net cap cost and the residual cost essentially be the same after an $11k payment? Your monthly payment basically consists of $13 of principal and $243 of interest.

If that’s the case, will the prepaid interest be refunded/applied to the buyout cost when I purchase 6 weeks later? And if so, how difficult is that to make happen? Sorry to have dumb questions – you guys are light-years ahead of me in knowledge on this!

If youre doing an actual one pay, yes, the buyout is basically the residual value minus all the unearned rent charge.

Looks like no or very small reduction in mf for one-pay. So you’re saving some interest on the depreciation amount, but not on the residual amount.

So if my math is correct, the cash needed for buyout is approximately $33k ($41k residual - ~ $8k in unearned interest), yes? Thanks for the patience and the info – this is immensely helpful. My dealer does a ton of these, but I think mostly for people who already “get it”, and also isn’t involved…

[image] kbow43: She encouraged me to research here and reach out to you guys because you clearly understand this thoroughly! Who is she? You’re getting this from Gupton ?

If youre planning on doing an immediate buyout, a one pay is of very little value.

Yes. They’ve been fantastic to work with, especially after I had to walk away from my first order early this summer due to the salesman’s penchant for sexual harassment.

No. You will need about $42K. $41K residual plus about $13x35 remaining payments. There might also be some other fees and taxes depending on state.

Ahhhh yes I assume you’re dealing with Renee? She messaged me about this. I told her to explain it to you correctly There should be a LH member at every dealership to give them a hand lol

Leasehackr Forum

Lease (one pay vs traditional) vs buy for Wrangler Sahara 4xe

Ask the Hackrs Buy/Finance