# Toyota RAV4 XLE is it good deal? **URL:** \ **Category:** Ask the Hackrs\ **Created:** [February 20, 2017, 9:47pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937 "2017-02-20T21:47:29Z")\ **Posts on this page:** 19\ **Page:** 1
**Author:** ![gurnor28](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gurnor28/32/37366_2.png) [@gurnor28](https://forum.leasehackr.com/u/gurnor28)\ **Post date:** [February 20, 2017, 9:47pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/1 "2017-02-20T21:47:29Z")
Hi, Here is quote i got from Ohio dealer: MSRP $29,548 Your price $27,005.49 Residual 70% MF 0.00001 36 month payment $291.68 24 month payment $346.68 Is there a room for negotiations here? Or you guys think it is good deal? ---
**Author:** ![Jason\_B](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jason_b/32/7561_2.png) [@Jason\_B](https://forum.leasehackr.com/u/Jason_B)\ **Post date:** [February 20, 2017, 10:44pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/2 "2017-02-20T22:44:39Z")
Numbers don’t add up. With those figures, pre-tax payment would be around 194 even with acquisition fee rolled in. Dealer has an extra $3,000+ hidden somewhere. ---
**Author:** ![gurnor28](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gurnor28/32/37366_2.png) [@gurnor28](https://forum.leasehackr.com/u/gurnor28)\ **Post date:** [February 21, 2017, 2:35pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/3 "2017-02-21T14:35:34Z")
I told him his numbers are off. He replied back saying he re-ran the numbers and they are correct? ---
**Author:** ![jayneo74](https://leasehackr.b-cdn.net/letter_avatar/jayneo74/32/5_5575768a8748004e209b776fc1b2916d.png) [@jayneo74](https://forum.leasehackr.com/u/jayneo74)\ **Post date:** [February 21, 2017, 2:48pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/4 "2017-02-21T14:48:33Z")
Looks like he is calculating the quoted rate on full MSRP. If I plug in 70% residual with that MV on the full MSRP I get $289 a month. ---
**Author:** ![Jason\_B](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jason_b/32/7561_2.png) [@Jason\_B](https://forum.leasehackr.com/u/Jason_B)\ **Post date:** [February 21, 2017, 3:35pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/5 "2017-02-21T15:35:02Z")
Run them for him and send your calculations. He will have no choice but to reveal the higher capitalized cost he is using. ---
**Author:** ![gurnor28](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gurnor28/32/37366_2.png) [@gurnor28](https://forum.leasehackr.com/u/gurnor28)\ **Post date:** [February 21, 2017, 3:37pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/6 "2017-02-21T15:37:49Z")
I have not ran any numbers before but i will try to run it. ---
**Author:** ![Jason\_B](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jason_b/32/7561_2.png) [@Jason\_B](https://forum.leasehackr.com/u/Jason_B)\ **Post date:** [February 21, 2017, 3:39pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/7 "2017-02-21T15:39:23Z")
Or better yet, try a different dealer that isn’t trying to jam you for over 3k. ---
**Author:** ![gurnor28](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gurnor28/32/37366_2.png) [@gurnor28](https://forum.leasehackr.com/u/gurnor28)\ **Post date:** [February 21, 2017, 7:24pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/8 "2017-02-21T19:24:29Z")
This is the email i got from him when i told him that your calculations are wrong: When you are calculating the residual for a lease the percentage is based off the MSRP of the vehicle not the selling price. That may be the reason you are not coming up with the correct payment. There are also a lot of other variables that would affect the lease payment that could be calculated incorrectly. It’s very difficult to calculate a lease on your own unless you have good lease program or a complex formula. ---
**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:** [February 21, 2017, 8:17pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/9 "2017-02-21T20:17:56Z")
> [@gurnor28](#): > > or a complex formula. Hahahahahahahahahahahahahaha ---
**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:** [February 21, 2017, 8:20pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/10 "2017-02-21T20:20:25Z")
> [@gurnor28](#): > > When you are calculating the residual for a lease the percentage is based off the MSRP of the vehicle not the selling price. LOL again. If the OP calculated RV using the selling price, the residual would be lower (since MSRP\>selling price) and his calculated payments would be _higher_ than the dealer’s. ---
**Author:** ![Jason\_B](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jason_b/32/7561_2.png) [@Jason\_B](https://forum.leasehackr.com/u/Jason_B)\ **Post date:** [February 21, 2017, 8:54pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/11 "2017-02-21T20:54:56Z")
Indeed. OP run for the hills. Your dealer is a scam artist. ---
**Author:** ![chrisgo](https://leasehackr.b-cdn.net/letter_avatar/chrisgo/32/5_5575768a8748004e209b776fc1b2916d.png) [@chrisgo](https://forum.leasehackr.com/u/chrisgo)\ **Post date:** [February 21, 2017, 8:57pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/12 "2017-02-21T20:57:23Z")
> [@gurnor28](#): > > a lot of other variables Like around 10 … tell him you can do math on 10 variables ---
**Author:** ![gurnor28](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gurnor28/32/37366_2.png) [@gurnor28](https://forum.leasehackr.com/u/gurnor28)\ **Post date:** [February 21, 2017, 9:41pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/13 "2017-02-21T21:41:12Z")
This is the calculation sheet i got from him now. Can anyone see what is wrong with this? I cannot figure out why leasehackr calc gives a value under $200 and he got like value of $267?? ![](https://leasehackr-assets.b-cdn.netoriginal/2X/a/aa77b634d4f090901d0262951c13ac15983886d3.png) ---
**Author:** ![gurnor28](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gurnor28/32/37366_2.png) [@gurnor28](https://forum.leasehackr.com/u/gurnor28)\ **Post date:** [February 21, 2017, 9:42pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/14 "2017-02-21T21:42:33Z")
damn he changed the residual from 70 to 63% lol… ---
**Author:** ![chrisgo](https://leasehackr.b-cdn.net/letter_avatar/chrisgo/32/5_5575768a8748004e209b776fc1b2916d.png) [@chrisgo](https://forum.leasehackr.com/u/chrisgo)\ **Post date:** [February 21, 2017, 10:21pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/15 "2017-02-21T22:21:34Z")
Well, that is where the extra is coming from =\> $2,068 difference / 36 months = ~$58 which also bumps up the tax and the interest rate dollars ---
**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:** [February 21, 2017, 11:23pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/16 "2017-02-21T23:23:22Z")
He can’t change the residual. That’s set by Toyota Financial ---
**Author:** ![Jason\_B](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jason_b/32/7561_2.png) [@Jason\_B](https://forum.leasehackr.com/u/Jason_B)\ **Post date:** [February 21, 2017, 11:30pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/17 "2017-02-21T23:30:48Z")
I am guessing OP misreported the residual. 70% is probably for 24 months. ---
**Author:** ![Jason\_B](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jason_b/32/7561_2.png) [@Jason\_B](https://forum.leasehackr.com/u/Jason_B)\ **Post date:** [February 21, 2017, 11:35pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/18 "2017-02-21T23:35:35Z")
Dealer seems to be showing you the full deal. No sales tax where you live? Deal isn’t horrid, $250 or so pre-tax with just first month due at signing would probably be a very solid deal. ---
**Author:** ![gurnor28](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gurnor28/32/37366_2.png) [@gurnor28](https://forum.leasehackr.com/u/gurnor28)\ **Post date:** [February 22, 2017, 3:29pm UTC](https://forum.leasehackr.com/t/toyota-rav4-xle-is-it-good-deal/8937/19 "2017-02-22T15:29:01Z")
I live in Cleveland, OH.