Hey everyone! I’m pretty new to leasing and still trying to wrap my head around how all these numbers actually come together. I was looking at an advertised lease offer from a manufacturer, and when I try to replicate it in <a href="https://calculator.leasehackr.com?make=Cadillac&miles=10000&msrp=79090&sales_price=79090&months=24&mf=0.00297083&msd=0&dp=3640&dealer_fee=311&acq_fee=0&disp_fee=595&taxed_inc=2500&untaxed_inc=0&rebate=0&resP=77&gov_fee=0&sales_tax=6&demo_mileage=0&memo=2026%20Cadillac%20VISTIQ%20AWD%204dr%20Luxury&tradein=0&fin_sp=79090&fin_taxed_fee=0&fin_untaxed_fee=0&fin_term=60&fin_apr=0&fin_dp=0&fin_rebate=0&fin_ps_rebate=0&fin_tax=0&keep_term=60&exp_rv=0&service_fee=0&monthlyTax_radio=true&bmw_demo_25=true&lease_result_mode=true&pretax_monPmt=900&lease_das=5292" rel="noopener nofollow ugc">Rate Findr , my monthly payment ends up being $200+ higher, even after addin…

Are you adding the down payment (capitalized cost reduction) of $3,640?

These are valid questions but not necessarily the most important. Is the advertised deal a good one? Why are you looking to lease an expensive EV right after the end of the largest EV sales event in history? Wait for inventory to pile up again.

Yeah all good points. Wasn’t the plan whatsoever, but I was just looking at what options are out there.

Three things I noticed that weren’t detailed in the ad: Ultra low mileage (10k/yr?) For GM employees and family members Dealer contribution Add those 3 up and you may be looking at significant differences.

Yeah, this specific offer is for 10k a year with a GM employee discount (which I have and applied, -$2500 off). So maybe the difference is the dealer contribution? I reached out to a dealer to ask why the big discrepancy.

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New to Leasing — Why is the advertised deal way lower than what I can build on Rate Findr?

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delta737h November 10, 2025, 3:54pm 3

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