So what’s the deal with no MSDs in New York?
I was told by a New York Toyota dealership that MSDs are not available to New York customers.
They said it goes by customer state not dealership state.
Is that information accurate?
Is that specifically Toyota or all makes?
Do one pay leases provide comparable MF reductions, or is the one payment treated as a cap cost reduction?
Any way to get around this?
Thanks
MSD are not available in NY. Alternatively, you could go to NJ and lease your vehicle with MSD assuming you’re close enough for it to make sense.
That was my question - does it go by the customer location or the dealership location?
This New York dealership told me it goes according to customer state, not dealership state. You’re saying that a NJ dealership could do MSD for me?
Yes (edited to add: Yes, an NJ or CT dealership could do MSD for you).
Do not go by just what dealerships tell you. They are looking out for their own self-interest, not what is good for you.
It’s a state law that applies to all dealerships, not just Toyota. And you can lease in another state with MSDs, people have posted on here about doing that.
That dealership is lying to you so you don’t go out of state.
I live in NY but went to CT to lease a car. I put down MSDs because I was in CT.
Be prepared to correct the dealership in CT because they might not know better. I had to get the dealership to call their corporate contact and even the person at corporate didn’t know.
But upon checking, the rule as long as the dealership is in a state which allows MSDs, you are allowed to use it. IT DOES NOT GO BASED ON WHERE THE CAR IS REGISTERED.
The finance manager told me that she learns something new every day when I told her that I could put MSDs even though I was registering in NY.
Hope this helps.
Interesting, because the purpose of that NY state law is to protect NY state residents. So, I’d think financing company would block MSD after seeing CT dealer leasing a car to NY resident. What happens if some kind of dispute arises between finance company and NY lessee and there are MSD on that lease?
Many of my friends have put MSDs on their car outside of NY even though the car is registered in NY.
I guess we’ll see what happens 
Im confused.
I though it was dealer state whether msd is allowed or not but after speaking to 2 lexus dealers recently, they said its where the car is bring registered.
So if you are registering in ny you cant do msd from nj dealer
Can anyone confirm?
I can’t confirm because I have no idea. But it definitely makes sense to me since it’s NY state law for its residents. Kind of charging out of state tax based on the state of registration laws.
Look up the law itself.
Asking dealers is useless since a) they will lie and tell you whatever is most advantageous to them and b) they sometimes don’t know what they’re talking about. I posed last week about how I was talking to a dealer who had no idea what MSDs even were, let alone if they were allowed in his state.
I live in Massachusetts. Would I be able to use msds if I leased from a dealership located in New York?
No
20,000 characters
if you are in NY, you can go to dealership in NJ, PA or CT and put MSD.
the MSD program is for dealership is specific states. it has nothing to do with customer location or state of registration.
My collegues leased 2 cars in last couple of months. one at NJ and other at CT, both did max MSD. they registered the car in NY.
I am sure if you read the contract it will say agreement arbitration and jurisdiction is in the state of XXX wherever the leasing company is located. The NY state law is not to “protect” state residents but is a lobby of the state dealers association. Remember how NJ did (or does) not want Tesla to sell in their state to “protect” residents… Yes we need the State govt to protect us from buying Teslas…
Car industry should all go to direct sales and online route. Buy and configure direct from Manufacturer. Each consumer would be able to save at least 25% by cutting out the middleman and giving dealers ability to manufacture just in time with no inventory. That would be a law that protects the consumer not the current franchise model 
Not sure about that. NY has some of the strongest consumer protection laws.
I went and looked it up and here is one which is interesting
You have the right to terminate the lease at any time after 50 percent of the scheduled lease term, and if your obligations are current. So does that mean you can return a Volvo after 18 months?
I’m not in NY, remember?
thanks for sharing! (20char)
Any time the govt “protects” me from something, it ends up costing me money. And someone who lobbied for the “protection” makes more money.