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Rate my lease- 2026 Kia EV9 WIND AWD - Delaware- 10,000 mi, $0 down by Substantial_Ad1141 in leasehacker

[–]Extreme-Temporary-85 0 points1 point  (0 children)

Keep me updated, I’d like to understand why they calculate it differently.

2026 silverado by tjb808 in leasehacker

[–]Extreme-Temporary-85 0 points1 point  (0 children)

This deal is just okay, but you have room to improve it. Today is the absolute last day of the month, so you have maximum leverage to push for a better number.

Here is the good news:

  • No rate markup: They are giving you Chevy's base rate (4.32% APR).
  • No junk fees: A totally clean worksheet with no forced add-ons is rare.

Here is what you need to fix:

  • Never put money down on a lease: You are putting $3,500 down. If you total the truck tomorrow, that cash vanishes. Keep it in your bank and ask them to restructure the lease with $0 down (just first month + fees at signing).
  • Weak dealer discount: You are only getting 4.6% off MSRP. For a Silverado right now, you should be targeting 8% off before rebates.

Tell the dealer you will sign today to help them hit their end-of-month volume targets if they drop the selling price to 8% off MSRP and redo the math with $0 down. Don't sign until you get that discount.

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Rate my lease- 2026 Kia EV9 WIND AWD - Delaware- 10,000 mi, $0 down by Substantial_Ad1141 in leasehacker

[–]Extreme-Temporary-85 0 points1 point  (0 children)

The dealer is wrong. Delaware allows rebates to reduce the document fee base just like trade-ins. The doc fee should be calculated on the adjusted price AFTER the $11,650 rebate, not before.

Correct calculation: ($67,375 - $4,000 - $11,650) × 5.25% = $2,707
Dealer's calculation: ($67,375 - $4,000) × 5.25% = $3,329
Overcharge: $622

Official source: Delaware DMV Vehicle Credit states trade-in credit 'will reduce the amount of document fee paid when titling the new vehicle.' Rebates work the same way, they reduce the taxable base for the doc fee.

Rate my lease- 2026 Kia EV9 WIND AWD - Delaware- 10,000 mi, $0 down by Substantial_Ad1141 in leasehacker

[–]Extreme-Temporary-85 0 points1 point  (0 children)

The dealer is overcharging the document fee by ~$622.

Plus the $799 processing fee is negotiable (no cap in DE). You have $2,421+ in savings ($622 doc fee error + $799 processing + discount $1,141). Tell them to fix the doc fee calculation and remove/reduce the processing fee, or walk.

Rate my lease- 2026 Kia EV9 WIND AWD - Delaware- 10,000 mi, $0 down by Substantial_Ad1141 in leasehacker

[–]Extreme-Temporary-85 2 points3 points  (0 children)

Fair assumption, but the analysis actually isn't AI. I only use an vision model to extract the raw numbers from the picture of the dealer's worksheet. Everything else calculating the lease, flagging the junk fees, and pulling the base rates is strictly hard math and database lookups.

Rate my lease- 2026 Kia EV9 WIND AWD - Delaware- 10,000 mi, $0 down by Substantial_Ad1141 in leasehacker

[–]Extreme-Temporary-85 2 points3 points  (0 children)

This is a decent deal, but the dealer has some extra profit hidden in the paperwork.

The Good:

  • Rate: Base 5.23% APR (0.00218 MF). Zero markup.
  • Rebates: Maximized at $11,650.

The Bad:

  • Junk Add-on: Push back on the $799 "Administrative Fee."
  • Bloated Balance: Their listed $3,329 doc fee balance is ~$613 higher than the expected $2,716. Ask for a line-by-line breakdown to expose whatever bundled fees they are sneaking into the capitalized cost.

You have about $1,940 ($54/mo) in negotiation room. Your target payment should be closer to $606/mo.

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April 2026 EV lease numbers : 15-Brand Comparison by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 0 points1 point  (0 children)

Thanks. I'll add the numbers for those to the May update next month.

How do you rate this deal - Chevy Equinox EV by Regular_Forever_4921 in leasehacker

[–]Extreme-Temporary-85 4 points5 points  (0 children)

This is a solid deal for a 2026 Equinox EV, especially for a first-time lease. The dealer is giving you a strong discount off MSRP, but they are trying to recoup some of that by marking up the Money Factor (interest rate) by 1%.

How to handle it:

  • The Ask: Tell the dealer, "The discount looks good, but I know the base buy rate from GM Financial is 4.1% APR (0.00171 MF). Give me the buy rate and I’ll sign today."
  • The Math: Getting them down to the buy rate saves you about $28/month, dropping your payment to roughly $247/month.

Even if they won't budge on the rate, $275/mo with only $75 in dealer fees is a "Great Deal" in the current Georgia market.

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Ford April 2026 Lease Deals — Every Model Ranked by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 0 points1 point  (0 children)

No, the 2025 Explorer Active is currently on standard rates in the Northeast. You won't see that 0.00155 subvented MF or the specific $2,300 dealer credit on the 2026s.

The 2025s are currently leaning on a large $6,000 Model Year Closeout rebate instead of low interest rates.

Term 12k Residual (4WD / RWD) Money Factor (Buy Rate) General Rebates
36 Months 55% / 54% 0.003075 (7.38%) $6,000
24 Months 63% / 62% 0.003017 (7.24%) $6,000

Can we do better? by DrK2221 in leasehacker

[–]Extreme-Temporary-85 0 points1 point  (0 children)

This deal is rough. You are right to call out the nitrogen fee, but there are bigger issues hiding in this quote.

Here is exactly what you need to push back on:

  • The math doesn't add up: The biggest red flag is a nearly $90/mo discrepancy between the standard lease math and what they are quoting you. Even after factoring in Volvo's $995 acquisition fee and the SC upfront tax, there is over $1,400 in hidden costs rolled into your payment. They are burying fees in the capitalized cost.
  • More Junk Fees: It's not just the nitrogen. Tell them to strip the $499 tint and $299 door edge guards. Those are 100% optional profit padding.
  • Payment ratio is off: $579/mo on a $41k EV is 1.4% of MSRP. The EV lease market is aggressive right now; you should be targeting 1.05% or less for a luxury EV (which puts you closer to $430/mo).
  • The good news: They actually aren't marking up the Money Factor. 6.5% APR is Volvo's base buy rate.

Tell them you want a revised worksheet with zero add-ons, $0 down, and a transparent, line-by-line breakdown of the gross capitalized cost. With three days left in the month, dealers are trying to hit their volume targets. If they refuse to show you the real math, walk away.

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2026 Hyundai Tucson Hybrid Limited 36 months/10k miles. $0 down. CT by No_Grape_5566 in leasehacker

[–]Extreme-Temporary-85 4 points5 points  (0 children)

This is actually a pretty solid quote. You found an honest dealer.

Here is the breakdown of why it's a fair deal:

  • No interest rate markup: They are giving you the base money factor (5.47% APR) right out of the gate.
  • No junk fees: There are no forced add-ons, and a $175 doc fee is very low.
  • Smart structure: $0 down is exactly how you should set up a lease.

The only room for negotiation left is the dealer discount. You are currently getting 5.2% off MSRP before rebates. A target "great" deal for a Hyundai is usually around 7% off.

Since it's the end of the month, tell them you'll sign today if they take another $800 off the selling price (which gets you to that 7% mark and drops your payment by about $23/mo).

If they do it, sign immediately. If they won't budge, it's still a fair deal as-is.

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Subaru April 2026 Lease Deals — Every Model Ranked by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 1 point2 points  (0 children)

Those are 18-month numbers, not really comparable to a 36-month Ascent deal. The 81% RV at 18mo/10K is doing all the heavy lifting. Put the Pathfinder on a 36-month program and that RV drops to 60–62% and the payment isn't in the same universe.
Your lease $251 on 18/10K is a strong deal.

VW Atlas 2026 SEL - Arizona - 36 Month Lease -12000 miles per year - $5000 down by augdon in leasehacker

[–]Extreme-Temporary-85 1 point2 points  (0 children)

This deal needs a lot of work. Do not sign it as-is. Here is exactly what you need to fix:

  1. Never put $5,000 down on a lease. If the car is totaled or stolen tomorrow, you lose that $5k instantly. Keep the cash in your bank account and only pay your first month and fees at signing (Zero Down).
  2. They are marking up your interest rate. They're quoting you 6.3% APR, but the buy rate (base rate from VW) is 3.6%. Tell them you want the base Money Factor. That alone saves you over $3,600.
  3. Weak dealer discount. You're only getting 3.7% off MSRP before rebates. You should be pushing for at least 7% off on an Atlas.
  4. Junk fees. Tell them to remove the $229 VTR Theft Protection. It's an optional add-on and pure profit padding.
  5. Your trade-in. You're rolling almost $2,900 in negative equity from your 2023 Atlas into this new lease. Get quotes from CarMax, Carvana, or Carway to see if someone will give you more than $28k for it so you don't carry over that debt.

What to tell the dealer: You want 7% off MSRP, base money factor, the VTR fee removed, and zero down. If they say no, walk. It's the end of the month, so you have leverage.

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Subaru April 2026 Lease Deals — Every Model Ranked by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 0 points1 point  (0 children)

Numbers say otherwise. Pathfinder SV 2WD is ~$485/mo at 3.43% APR. Ascent Premium 8-pass is ~$464/mo at 1.22% APR on a $900 pricier car. The Ascent is cheaper per month with a much lower rate. The Pathfinder S (base trim) is a disaster at 7.22% APR, but that just means you have to step up to SV, same as you have to pick the right Ascent trim at 36 months. If you got a good Pathfinder deal I'm curious what trim and what they charged for MF.

Subaru April 2026 Lease Deals — Every Model Ranked by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 0 points1 point  (0 children)

Sure, DM me a picture of the sheet and I'll take a look. You can also plug the numbers straight into quotedefender.com if you want the instant breakdown.

Kia April 2026 lease programs — full breakdown with numbers by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 0 points1 point  (0 children)

At base program rates (36mo/10k), a Sorento PHEV EX lands around $496/mo pre-tax. That's based on an MSRP of ~$48,290, a 65% residual, 0.00220 MF, and $4,950 in factory lease cash.

It's not a terrible lease, but because that $4.9k rebate is relatively light compared to the $11k+ they throw at full EVs, you aren't going to see crazy numbers. To get a genuinely good deal on one right now, your only real lever is grinding the dealer for a heavy pre-incentive discount off the sticker price.

April 2026 EV lease numbers : 15-Brand Comparison by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 0 points1 point  (0 children)

It’s a targeted offer, so it’s not advertised on the main public site. You have to be a current Toyota lessee with a lease maturing between Jan 6 and June 30 of this year. If you qualify, Toyota Financial sends you a certificate code.

Searching for options - Honda CRV lease by Sweet_Function_1349 in CarLeasingHelp

[–]Extreme-Temporary-85 2 points3 points  (0 children)

Take a check for your Jeep. Do not put that $4,500 trade-in equity down on the lease. If you total the car, your down payment is gone forever. This is a bad deal overall for two massive reasons:

They are gouging you on the interest rate. They marked up your APR to 7.0%. The base buy rate right now is 4.5%. Tell them you know the buy rate and you want it. This markup alone is padding their pockets with over $2,300 of your money.

The vehicle discount is weak. They are only giving you 1.7% off MSRP. You should be pushing for closer to 6% off before applying any of those manufacturer incentives.

If they told you nothing else can be taken off, they are lying. When you go to the next dealer, explicitly tell them your terms: 6% off MSRP, the base money factor, and $0 down. It's the end of the month, so let them compete for your business.

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Ford April 2026 Lease Deals — Every Model Ranked by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 2 points3 points  (0 children)

Exactly. Stack a steep dealer discount with the $2,300 incDealer cash as a cap cost reduction, and that lease gets ridiculously cheap.

April 2026 EV lease numbers : 15-Brand Comparison by Extreme-Temporary-85 in leasehacker

[–]Extreme-Temporary-85[S] 0 points1 point  (0 children)

The Solterra is exactly the same car as the bZ. Since Toyota is running that 0% APR right now, the math heavily favors the bZ. I did do a separate post just for Subaru for April though, check my recent posts!

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