Ok so I had an idea and wanted to see if it’s even possible. It’s probably flawed for a lot of reasons but in theory it works. I was looking into an infinity QX60 and was fairly confident I couldn’t get the sales price($45,000) much lower and the MF was already .00003. So let me make a couple of assumptions for the purposes of what I’m illustrating. Let’s say each MSD is a .0001 reduction and the dealer splits interest profit with the bank 75/25. I’m not sure if it’s true or not. The residual value is $27,051. So the lease payment is $462. Now we have already agreed on $45,000, so what if I tell him to jack his money factor up to .00093. Now the payment has $65 more in interest a month. $65 x 39 months = $2,535 in profit.($1,900 for the dealer and $635 for the bank.) Now I ask him to lower the price of the car another $1,900 to $43,100 so he’s making the same he would have been because he’s making $1,900 in interest. Now the payments are $411 plus interest and I use 9 MSDs to bring the MF to .00003. So total payment is $413 instead of $462. So essentially what you’re doing is using MSDs to buy down the price of the car. Does this even make sense?
This idea was brought up in another thread by @Boomba. We weren’t sure if dealers would do this either. Probably too complicated for some salespeople to understand.
So maybe it wasn’t a crazy idea if someone else is thinking it. 
Do you know of any resource where we can find out how much of a reduction each bank gives per MSD? I’ve heard everywhere from .00005 to .0001 and can’t confirm the numbers anywhere online. Also it seems that each bank has a different limit on how many MSDs you can give. Is there any way to confirm these numbers without having to go to 3 or 4 dealerships?
Each manufacturer is different, I think.
The lease I did not long ago with MB brought the MF down from .00092 to .00012 by doing auto pay, which brought it to .00082 and then 10 MSDs. So 10 MSDs brought it down from .00082 to .00012.
That being said, in my search for a deal I ran across some dealers who didn’t even know what MSDs were, let alone be able to do the deal proposed. But doesn’t cost anything to try.
Ok so if I’m understanding you correctly auto pay brought you down by .0001 and each MSD brought you down .00007? I wasn’t aware that some banks gave you a reduction for auto pay. That’s good to know. Are you confident that .00007 is the reduction per MSD. Technically the bank could give the dealership a .0001 reduction per MSD and the dealership could be pocketing the difference right?(.00003 per MSD.)
The reduction for auto pay is pretty standard for MBFS. And it’s a no brainer for the consumer.
As far as the MSD reduction, as far as I know the reduction per MSD is standard for MBFS. But who knows? These things always change. Standard today is no longer standard tomorrow.
Yea, MBFS reduces MF by .0001 for autopay and .00007 per MSD (max of 10).
I too have thought of this for those Money factors that already start off extremely low. It would be hard to explain to a salesperson or even a manager. A finance expert would probably understand, but they may have other reasons why they cannot do it. I would give it a shot and show them this in person.