# Toyota Dealer Mismatch from Rate-finder Residual Value **URL:** \ **Category:** Ask the Hackrs\ **Tags:** tx, toyota\ **Created:** [January 10, 2025, 4:05pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075 "2025-01-10T16:05:34Z")\ **Posts on this page:** 10\ **Page:** 1
**Author:** ![atxpilot](https://leasehackr.b-cdn.net/letter_avatar/atxpilot/32/5_5575768a8748004e209b776fc1b2916d.png) [@atxpilot](https://forum.leasehackr.com/u/atxpilot)\ **Post date:** [January 10, 2025, 4:05pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/1 "2025-01-10T16:05:34Z")
Hello all. I worked with a dealer who gave me a great price on a car last month. It was so good, that when my family member wanted to get a new vehicle I worked up a deal for them with this dealer. When we worked the deal up for their car though, I kept running into a mismatch with the residual value published in rate finder vs what the dealer gave me. Across multiple trims and terms on the RAV4, the dealer kept coming back with 3% lower on the residual. This problem did not happen with my lease, as Ratefinder was spot on (different model). This obviously is messing up the numbers a little bit. January 7th is when the new programs get updated from Toyota, and while the rate updated, the residual stayed the same, confirming the issue. I can’t tell if the dealer is using this to make extra money or if Ratefindr has incorrect rates? Here is an example: [link to calculator](https://leasehackr.com/calculator?make=Toyota&miles=10000&msrp=47055&sales_price=43871.83&months=36&mf=0.00294&msd=0&dp=0&dealer_fee=164&acq_fee=650&disp_fee=350&taxed_inc=0&untaxed_inc=0&rebate=0&resP=60&gov_fee=225&sales_tax=6.25&demo_mileage=0&memo=2025%20Toyota%20RAV4%20Hybrid%20Limited%20AWD%20(GS)&tradein=0&fin_sp=43874&fin_taxed_fee=814&fin_untaxed_fee=225&fin_term=60&fin_apr=5.99&fin_dp=0&fin_rebate=0&fin_ps_rebate=0&fin_tax=6.25&keep_term=36&exp_rv=28233&service_fee=0&sellingPriceTax_radio=true&cap_tax=true&bmw_demo_25=true&fees_untaxed=true&lvf_result_mode=true&dealerFee_check=false&govFee_check=false&pretax_monPmt=763&lease_das=763) Has anyone run into this before? The region is gulf states. ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [January 10, 2025, 4:12pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/2 "2025-01-10T16:12:42Z")
What bank is the dealer using? ---
**Author:** ![Cody\_Carter](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/cody_carter/32/17794_2.png) [@Cody\_Carter](https://forum.leasehackr.com/u/Cody_Carter)\ **Post date:** [January 10, 2025, 4:26pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/3 "2025-01-10T16:26:41Z")
It probably takes a few days for Ratefinder to update. Same happens with our desking software. They need a few days to get updates from Marketscan/mDesking ---
**Author:** ![max\_g](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/max_g/32/9426_2.png) [@max\_g](https://forum.leasehackr.com/u/max_g)\ **Post date:** [January 10, 2025, 4:27pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/4 "2025-01-10T16:27:11Z")
> [@atxpilot](#): > > Across multiple trims and terms on the RAV4 Is it a good lease? Even with 3% higher RV? Can’t recall the last time I see a good lease on a RAV4. ---
**Author:** ![atxpilot](https://leasehackr.b-cdn.net/letter_avatar/atxpilot/32/5_5575768a8748004e209b776fc1b2916d.png) [@atxpilot](https://forum.leasehackr.com/u/atxpilot)\ **Post date:** [January 10, 2025, 6:03pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/5 "2025-01-10T18:03:00Z")
What’s strange though is last quarters programs were still off by 3%. This quarters programs are live cause the MF changed to the new number (went up). Again, off by 3% I added the link to the calculator on my OP, which has the lease terms ---
**Author:** ![michael](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/michael/32/162_2.png) [@michael](https://forum.leasehackr.com/u/michael)\ **Post date:** [January 10, 2025, 6:12pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/6 "2025-01-10T18:12:55Z")
The RV spread between 10,000 miles/year and 15,000 miles/year is 3%. Could it be that the dealer is quoting you a higher mileage lease than requested? I did a quick spot check against Gulf States Toyota’s advertised 36/10K residual for a 2025 RAV4 Hybrid LE and it matches up with what Rate Findr pulls for the same vehicle with a TX zip code (66% RV): ![Screenshot 2025-01-10 at 10.12.12 AM](https://leasehackr-assets.b-cdn.net/original/3X/5/6/565ec3bc65ba01ee4024e09c3f203fa91bc8b4ff.png) ---
**Author:** ![valek.jw](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/valek.jw/32/109883_2.png) [@valek.jw](https://forum.leasehackr.com/u/valek.jw)\ **Post date:** [January 10, 2025, 7:07pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/7 "2025-01-10T19:07:21Z")
Confirm what bank they are using since the bank sets the RV. US Bank is a popular option for Toyota dealers in TX. At least the last time I leased a Toyota a few years ago. ---
**Author:** ![atxpilot](https://leasehackr.b-cdn.net/letter_avatar/atxpilot/32/5_5575768a8748004e209b776fc1b2916d.png) [@atxpilot](https://forum.leasehackr.com/u/atxpilot)\ **Post date:** [January 10, 2025, 8:06pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/8 "2025-01-10T20:06:30Z")
Good news. Figured out the dealer had “made a mistake” and its resolved now… ---
**Author:** ![pnr1981](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/pnr1981/32/210444_2.png) [@pnr1981](https://forum.leasehackr.com/u/pnr1981)\ **Post date:** [January 12, 2025, 3:15pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/9 "2025-01-12T15:15:48Z")
Interested to know what the final numbers were - cash down, monthly, MSRP / adjustments, etc. ---
**Author:** ![system](https://leasehackr-assets.b-cdn.net/original/3X/f/7/f76e5433b417879e07ad6f0cee47e239c8f1cdd4.png) [@system](https://forum.leasehackr.com/u/system)\ **Post date:** [March 13, 2025, 3:16pm UTC](https://forum.leasehackr.com/t/toyota-dealer-mismatch-from-rate-finder-residual-value/638075/10 "2025-03-13T15:16:45Z")
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