Signed - 2021 Mazda CX-30 Turbo Premium | 443 monthly | 36mos/10k miles | $0 DAS

2021 Mazda CX-30 Turbo Premium
MSRP $34,120
Selling Price $32,100
RV 60%
MF .00070
$0 drive-off
35 payments @ 442.75

The dealer really did some funny math here. I was told the MF was .00070 but it looks like they inflated the rent charge.

Here’s where I’m really thrown off: under DAS portion of contract, it has the cap cost reduction of $500 + $442.75 (first monthly payment) + government fees for a total of $1368.38. They then entered a rebate of $1368.38.

At the end of the day, I think the monthly payments are reasonable in the current market. But no idea why they fudged the numbers to get it here. Thoughts?

Selling price: 32,100
Gross cap cost: 33,549
Cap cost reduction: - 500
Adjusted cap cost: 33,049
RV: 20,472
Depreciation: 12,577
Rent: 2,389.28
Total base payments: 14,966.28
Payments: 36
Base payment: 415.73
Tax: 27.02
Total payment: 442.75

Here’s the calculator, I cannot get the numbers to match up: CALCULATOR | LEASEHACKR

Here’s the contract. Can anyone help me figure out what they did here? Using a .00070 MF (like they claimed) this isn’t adding up.

Note: it doesn’t exactly specify, but they (supposedly) took care of the first payment. So I’m on the hook for 35 payments.

They’re charging you .00124

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And now it adds up! Thank you. Fortunately the rebate somewhat compensated for the $1,000 or so they overcharged me in interest.


Good rate. Which Orlando area dealer?