Signed: 2024 MB EQS 580 Exec Demo MSRP $138,775 One-Pay DAS $4710 Eff.Mo. $196.25 24m/7.5k

[Jeremy_Zielinski]

Nah man. The brokers section can’t do this.
God himself can’t redo this deal lol

This is the most insane deal ever. I would also love to know how this was possible.

And yeah. Super amazing he pulled it off. .

This or a charger EV ? Humm hahaha

[Yanoosh]

Discount obviously is strong and that MB loyalty was the cherry on top. And the pull ahead probably allowed the dealer to move the customer into a new car and retain him in the brand.

[Jeremy_Zielinski]

1000% otherwise every employee would have taken this deal first

[LAK1ngs]

Do you get an additional employee discount if you send a pic of yourself in a bow tie?

[J_Boxer]

Are you referring to my deal?? You think My EQS is from N. Olmsted?

[holeydonut]

I think he’s being sarcastic since the GSM at North Olmstead isn’t a fan of LH.

Edit: he didn’t name LH, but he does speak about forums and people looking to score money-losing deals. And followers trying to replicate one off bargains.

@Bumboola a lawyer - I need him to defend me from libel.

Looks like you got your car from James Motor Co in KY.

[lemonjello]

crazy deal, even looking at the final cap cost, it makes no sense.

OP, can you breakdown the dealer’s justification how they got from the cap cost + residual to your final lease amount?

[J_Boxer]

@holeydonut

Looks like you got your car from James Motor Co in KY.

[J_Boxer]

@lemonjello

razy deal, even looking at the final cap cost, it makes no sense.

OP, can you breakdown the dealer’s justification how they got from the cap cost + residual to your final lease amount?

Good eye – deals like mine can definitely look like a magic trick until you see how the rabbit comes out of the hat! You mentioned trying to figure it out by looking at “the cap cost + residual to my final lease amount,” but that’s actually not how these lease payments are built, and it’s a common point where it’s easy to get tangled up.

While the full contract (like mine from MBFS for the EQS 580) has a ton of figures, and dealers certainly get creative with how they paper a deal, here’s my core philosophy as someone who navigates this stuff: I focus relentlessly on my non-negotiable, bottom-line, actual out-of-pocket cost. How they structure everything else internally to hit my number is their puzzle to solve, as long as it’s all documented correctly, legally, and the final numbers match what we agreed.

Let me show you what I mean with my specific one-pay deal on the 2024 EQS 580 (24 months/7,500 miles a year), where my actual cash out-of-pocket was $4,710.16 , making the effective monthly cost just $196.25:

1. The “Official” Numbers vs. My Cash:

• My lease contract showed a total “Amount Due at Lease Signing” of $17,210.16. That’s the big number the financing company sees.
• However, a crucial part of the structure was $12,500 in rebates (EV credit + Loyalty in my case) being applied directly against that $17,210.16 amount due.
• This “creative maneuver” (which is perfectly legitimate and standard on these types of deals) meant my actual cash out-of-pocket was just $4,710.16 ($17,210.16 - $12,500.00). That’s the only number that truly mattered for my bank account.

2. How We Got to a Point Where That Low Out-of-Pocket Was Possible:

• Massive Price Reduction on the Car (Before the Rebates Above): The car was a demo with 4,389 miles. The “Agreed Upon Value of the Vehicle” on the contract was $87,513.90 . This figure was achieved after my negotiated ~25% dealer discount off the ~$138k MSRP and then having a $16,500 Lease Bonus Cash incentive essentially ‘baked into’ that price to reduce it further before it even hit that “Agreed Upon Value” line on the main contract page. So, the starting point for the lease calculation was already dramatically lowered through a combination of dealer discount and a major manufacturer incentive.
• Very Low Money Factor: The final Money Factor (MF) used in my contract was a tiny 0.0003700 (which is like a ~0.89% APR). This meant the total finance charge (Rent Charge) for the entire two-year lease was minimal, only $1,453.80 .

Dealers will arrange the numbers in various ways to meet legal disclosure requirements and their own accounting preferences. They might show a higher “Adjusted Capitalized Cost” on paper but then use various rebates and credits to drastically reduce what you actually pay at signing, as was the case here. For me, as long as the math is transparent and all components lead to my target out-of-pocket cost, I don’t get overly bogged down in whether they maximized profit on one part of the deal versus another (like a slight MF markup vs. a slightly smaller discount, etc. – though I negotiate those too!). It’s the net effect.

So, the wisdom I’d share is this: While understanding all the components of a lease (depreciation, rent charge, incentives, Money Factor, Residual Value) is absolutely crucial for negotiating effectively, the ultimate measure of your success as the lessee is that final, confirmed number you write the check for (or your total of monthly outlays if not a one-pay).

• Know what an aggressive but achievable “bottom line” deal looks like for the car you want (research forums, know the programs).
• Make a strong, well-informed offer based on your desired total out-of-pocket cost or effective monthly payment.
• Let the dealer then figure out how to structure the discount, incentives, and MF on their end to meet your number.

Focus on your final, verifiable bottom line. That’s how you take control of the deal and ensure you’re the one “winning.”

[Bumboola]

Can we sticky this post? Lol

[LeaserOC]

But they are not giving me base MF. No deal!

[J_Boxer]

Alright, here’s a strategy I used when facing a significant money factor (MF) markup, especially when a one-pay lease is on the table. It’s about “getting creative” to still hit your numbers.

The core of it was this: I gently but firmly informed the dealer that if they absolutely insisted on their proposed markup on the MBFS buy rate, I would definitively pursue the one-pay lease option. As you know, a one-pay often significantly reduces or even negates their MF markup, bringing the rate back down to the original MBFS buy rate, which in my case was almost nothing (.00007). This immediately changes their profit calculation on the financing side.

Here’s how the negotiation played out:

• The Baseline: MBFS had set the buy rate MF at an ultra-low .00007 for this particular model and term.
• Dealer’s Initial Markup Plan: They wanted to apply their standard markup, taking it from the .00007 MBFS buy rate up to .00047.
• My First Offer: A clean 25% pre-incentive discount off MSRP, using MBFS’s .00007 buy rate MF.
• Dealer’s Counter-Offer: They came back with only a 22.18% pre-incentive discount and their proposed marked-up MF of .00047.

I wasn’t interested in giving up ground on the discount and paying an inflated MF. My leverage was the one-pay’s ability to wipe out their MF markup, reverting to the base MBFS rate.

The Resolution – My Counter that Was Accepted:

I stood firm on my 25% pre-incentive discount off MSRP. To make it work for them, I proposed a concession on the MF that still benefited me significantly with the one-pay:

1. We start with MBFS’s buy rate: .00007.
2. I allowed them to mark this up substantially to .00077 (giving them a .00070 initial markup on paper over the MBFS buy rate).
3. Then, by structuring it as a one-pay lease, the standard MF reduction for a one-pay (which was .00040 in this instance) was applied.
4. This resulted in a final Money Factor of .00037 (.00077 - .00040) used to calculate my actual lease.

The Outcome: I secured my full 25% pre-incentive discount on the vehicle. The dealer still got some participation in the finance income via the final .00037 MF (which yielded them a better rent charge than if I had simply done a one-pay on their initial .00047 offer that would have likely wiped the MF down to the .00007 MBFS rate). It was a strategic way to get them to concede on the sales price, which was my priority, while still letting them feel a small win on the financing side by participating in a rate slightly above the absolute MBFS floor.

This approach requires knowing the MBFS buy rate, the typical one-pay MF reduction, and being firm on your primary target – in my case, the upfront discount.

[amasih]

This definitely needs to be stickied. And here I thought I knew something about leasing…

[djrabbi]

This is what Tampa does too. I went to extend my one pay lease and they gave me a stupid number like $2100 a month because dealer threw in all rebates as due at signing

[mani_is_kool]

@J_Boxer

he ultimate measure of your success as the lessee is that final, confirmed number you write the check for

Thats it folks ! Pick up those phones and dial up every MB dealer in the nation and ask for $4800 one pay DAS for that unicorn waiting for u all ! I would start with MBNO lol.

@J_Boxer Aweseome job on the unicorn and hack and an even more amazing job on sharing that explanation for all the members !

[holeydonut]

Can’t wait to see the bow tie guy’s reel when he hears about the out of state internet leads all wanting this deal.

[Jvinit]

Do you have a good contact there. In south Florida 95 percent are auto nation

[Leo_Levin]

Same, this is insane!

[mani_is_kool]

A recipe for a great deal with a lot of work and patience of course.

[mani_is_kool]

You dont need a good contact there lol. Just lots of patience and hopes of finding the right person.