Money factor question?

Who sets the money factor and what determines that rate?

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Leasing companies set it. They can adjust as they desire…

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Bank sets it and ongoing mkt and feds interest rates determines it plus how many cars they want to move fast but still make money on it.

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Also, dealers are often allowed to mark the MF up to some degree. So I guess there is occasionally a difference of what the MF should/could be and what is actually is.

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