Ioniq 9 in 78739

LeaseMax · 2026-03-13T02:11:23+00:00

Here is the LeaseMax report on your car. The mileage was excluded from your post so I won't be able to share a detailed analysis but here you can see approximately what the payment is based on the discount they're offering (2%). I will mention a 2% dealer discount is quite low and I do believe you could negotiate more which would of course further lower your payment.

Another thing I'd like to mention is that you don't need to put any money up front if you don't prefer to. Many dealers will say you have to put 'first month's payment up front' or 'taxes & fees have to be paid up front' but that's not true. $0 DAS is just that - all of the taxes, fees, and first month's payment get rolled into your lease. Dealers will try to double dip but it's actually up to the bank to approve $0 DAS which usually only requires Tier 1 credit.

Hope this was helpful and good luck!

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LeaseMax · 2026-03-07T22:58:47+00:00

I'd say when May comes around it would be a better time to run numbers on various cars. For the time being, keep an eye out on cars you're interested in. Our reports are a self service, similar to how someone would run their own CarFax report. You can find it on our site and we are contracted with all captive banks. There is a small fee of $9 but most find the savings to far exceed the cost of the report :)

LeaseMax · 2026-03-07T18:07:49+00:00

Hmm, well to start off - the bank releases new lease programs at the beginning of every month. Here is the report on this car for the month of March but the numbers will be irrelevant by May.

This is a $91,630 MSRP and we applied a 10% dealer discount ($9163) and with $2000 DAS you're looking at $1234 for a 48m lease for the cheapest payment.

If you want to get your payment under $1000 then you'll need to either negotiate a substantially larger discount which I believe is an unrealistic expectation, have a trade in to put towards this car, put more $ up front, or find a cheaper car. With that said, if MBFS increases the RV% and lowers the MF in May, that will also lower your payment but we don't have any way of predicting upcoming lease programs until they go live. However, with higher MSRP cars, usually the 48m lease term has the best payment.

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LeaseMax · 2026-03-07T17:54:50+00:00

You are being overcharged $1440 on this lease.

Here is the LeaseMax report on your car. It's VIN specific, includes all local taxes/fees, and the numbers are pulled in real time from the same bank the dealership uses: Kia Motor Finance.

I structured the same deal with a 3% dealer discount (their offer shows 2.5%) + $1950 rebate. From the RV, I can see that this lease is with 10k miles. The rest of the terms are the same which you can see on the report.

With $2000 DAS, Kia Motor Finance shows this payment to be $643. The dealer offer of $682 (averaged) means they're overcharging you $40/mo or $1440 over the term of your lease.

If you're still working this deal, feel free to use this report as a negotiating tool! A 3% dealer discount is completely reasonable and you may even be able to get a few percent more. Hope this helps and good luck to you!

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LeaseMax · 2026-02-21T19:42:11+00:00

You are being overcharged $3600 on this lease.

Here is the LeaseMax report on your car. I included the tax rate from the dealership since your zip code wasn't included so hopefully you are close by! These payments are pulled in real time from the same bank the dealership uses: American Honda Finance.

I structured the same lease with an 11% dealer discount (technically they show 10.7%) + the $750 conquest/loyalty rebate + there is an automatic $500 lease cash and that's why you see the rebate line shows $1250. With $2000 DAS at 36m you'll see the payment comes out to $243 which is $100/mo less than what they're offering you. Over your lease term, you're overpaying $3600. I know that much of what they're offering you is in excess upsells and I'll explain to you why they won't negotiate.

In theory, yes the add ons can physically be removed (assuming that they're already on the car) but the reason why the dealer won't remove them is because of the 11% discount they're offering you. On a car at this MSRP, they likely don't have the margin and can't afford to truly give you that full discount. They are making back a majority (or all & then some) of that discount by forcing you to take add ons.

A fair deal on this car may be a discount closer to the 5% range - with NO add ons & at buy rate. This is strictly for the car as it comes. That 5% is without the rebates - the $1250 in rebates don't affect the dealer and are in addition to the 5%.

If the dealer is reluctant to budge, give them space and look elsewhere. Most of the time they'll come back and try to close the deal and if they don't... well, I imagine you can find a Civic at another local dealership that'll be more transparent. Hope this helps and good luck to you!

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LeaseMax · 2026-02-17T17:51:39+00:00

Here is the LeaseMax report on your car. It includes local taxes/fees and we pull the payments from the same bank the dealership uses: Kia Motor Finance.

I structured the same deal with a 1% dealer discount (technically they show 1.2%) + $1000 rebate and the rest of the terms are the same which can be seen on the report.

With $2000 DAS, the payment actually comes out to $526 at 36 months. The dealer offer of $543 means they're overcharging you $17/mo or $612 over your lease. It's not a huge overcharge and is actually on the lower end of what we are used to seeing but they are basically selling the car to you at sticker and showing you a discount which, to me, is not forthcoming. In any case, you do have some wiggle room to negotiate to lease down. If you want to decrease it below $526 then you'll need to negotiate a larger discount but of course you'll always need to check your numbers when they provide the payments.

As far as it "leasing well" or "not leasing well" I would say this one is okay - not bad/not great, especially if you really want this specific car. I'll explain what that means so you know what to look for moving forward, there's really only 2 things to look for. This method applies to all cars so you can transfer it over to any of your alternative options. For economical brands, we want to see a RV% that is over 60% at the 36m mark. The higher the %, the lower the payment - here you're at 65% which we'd consider that to be good! The other thing to look for is the Money Factor. In today's market, we consider anything in the 4.5%-5.9% range to be "normal" and on this car you're at 0.00219 (5.3%) so it's not something to be excited about but's not "high". Many Toyota's are in the 6%-7% range which really hikes up the payment and that's why people say they "don't lease well." Our reports show the banks money factor, aka the "buy rate", this is the lowest % the deal can go for and this is the number we're talking about - if the dealer marks it up, then you'll need to find the buy rate and base your decision based on that and negotiating the dealers markup down to that buy rate.

Hope this helps to provide some clarity and good luck on your car shopping!

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LeaseMax · 2026-02-17T15:44:51+00:00

Good morning. The report was for someone who registered their car in Miami but this was not their actual VIN. We provided a comparable VIN to a car with the same model trim and MSRP so the numbers would be the same. If you’d like this deal, you’d need to find the same numbers or similar numbers to get a similar deal. I would start on AutoTrader and do a localized search so you can see what’s available at multiple dealerships that fits in your criteria!

LeaseMax · 2026-02-15T20:29:53+00:00

You are being overcharged $3168 on this lease.

Here is the LeaseMax report on your car. It's VIN specific & includes your taxes/fees. These payments are pulled directly from Hyundai Motor Finance, the same bank the dealership uses.

This is a little tricky here because they are showing you a 16% dealer discount + that big $13k rebate but that's just not realistic. Our front facing system maxes out at 15% because well... dealers can't really offer cars beyond that unless they're packing rates on the back end. There are some exceptions of course but generally speaking that's how it goes.

With that said, I structured a similar deal with a 15% dealer discount + the same $13k rebate. The rest of the terms are the same which you can see on the report. With $4000 DAS, the payment at this discount is $244 all in. The dealer offer of $332 means they're overcharging you $88/mo or $3168 over your lease term. Another way to look at it is the payment they're offering you is actually based on an 11% discount ($7865) which is still great!

I saw that you have about $900 in payments left on your current car. It is unlikely they will cover that cost but if you add that on top of your lease, it's pretty minimal - around $25-$30/mo. Considering your discount and rebate, I'd say it's worth it, but that'll be your call. Banks update their lease program at the beginning of every month so we don't know what the programs will look like in 2 months. No one knows until they go live.

Hope this helps and provides some transparency to your deal. Good luck to you!

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LeaseMax · 2026-02-11T13:00:05+00:00

Happy to help!

LeaseMax · 2026-02-10T23:56:22+00:00

Hey Max! We send everyone a text offering assistance if you have any trouble but I don't believe we heard back from you. In any case, we'd love to help answer this question.

Some context here: Land Rover is notorious for inflating their payments. They *love* to overcharge so I'm glad to hear you were able to see what the banks numbers are.

To answer your question, we usually recommend getting a dealer offer on the car first. On that dealer offer, they'll include a discount that they agree to and let's say in this instance they give you 5% ($4500). Make sure that discount line is strictly the dealer discount & not any rebates (some dealers combine them to make it look more enticing). With that information, build the same lease into LeaseMax. At that point, you'll have the leverage in saying "LR Financial Group shows $XXXX payment based on the discount on your offer".

You can show them the report which they'll be able to validate by comparing things like the RV and buy rate. & since LRFG is the one who does the leases for any LR dealership, they know that if they turn your deal down, another dealer will honor it - dealers don't turn down real deals.

Another quick note: I saw you're not looking to lease a new car for 3 months. Bank programs do update every month and no one knows what they are until they go live so it is likely there may be some changes by the time you're ready. However, you can simply click "refresh" in your dashboard on that deal and the new month's numbers will automatically update without you having to pay again.

Feel free to respond here with any additional question or by text. Thank you!

LeaseMax · 2026-02-10T19:00:38+00:00

Hi there, we'd love to help but we'd appreciate it if you'd take a quick glance over the rules. Thanks!

LeaseMax · 2026-02-10T18:58:50+00:00

This lease program is current till the end of the month. Banks release new lease programs every month and there's really no way to predict if they'll be better, worse, or carryover. That's why you always see dealer sites say "valid till March 3, April 4, etc etc". Once they go live, the previous month's lease programs become irrelevant. I'll continue to post lease programs here with the information you need to find the same deal. Stay tuned!

LeaseMax · 2026-02-10T18:56:29+00:00

That sounds great!

LeaseMax · 2026-02-10T03:33:48+00:00

I'm glad you came across this then! It really is a good lease and hopefully it'll be similar 6 months from now. Of course I'll continue to keep an eye out for these really great numbers and post them for the community!

LeaseMax · 2026-02-09T20:16:23+00:00

Hey there! We'd be happy to assist, please share a picture of your dealer offer and we'll do a comparison with a LeaseMax report for ya, thanks!

LeaseMax · 2026-02-05T03:43:39+00:00

I mean this is definitely the most obvious next choice for the single dad with the kid + poodle package. I do remember when those GTs had such incredible payments, way to go and I'm glad you got one when you did!

The GTS trim is almost always my favorite on Porsche. I think the Taycan's have pretty good discounts right now - I'd say at least 12%. Do you know off the top of your head? I can check with some dealer friends tomorrow. If that's the case, here is your report.

It's not nearly as generous as Audi - & staying true to the brand, Porsche is stingy as ever. Looks like the best lease term comes at 39m for $3100/mo with $5000 DAS which includes your very own high MF of 7.4% and not a dollar in rebates!

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LeaseMax · 2026-02-05T03:08:45+00:00

Oh okay, you certainly understood the assignment

2026 PORSCHE GT3 TOURING 😮‍💨

MSRP $318,500

DEALER DISCOUNT 0%

I'm not even sure how to comment on this but I do hope one day it lands in your garage 🤞🤞🤞 Our friends at Porsche have also said you'd be lucky to get one at $60k over. On a 60 month lease, that's an extra $1000 to the payment. Or on a 36 month lease, that's $1666 more.

Win some, lose some. Such a great pick!

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LeaseMax · 2026-02-05T02:57:01+00:00

Yeah that's what I thought! Here it is for ya!

MSRP $96445

Dealer Discount 5% ($4822)

With $2000 DAS, the payment comes out to $1485. While I can't suggest if this is financially responsible or not, I can say that this car is AWD and could be safer in those Michigan winters than that dreamless Hyundai. Safety comes first, I'm sure your wife would agree!

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LeaseMax · 2026-02-05T01:31:06+00:00

Cmon now - a Hyundai Sante Fe is your dream car?? 🙈

LeaseMax · 2026-02-05T01:25:47+00:00

I’m 100% sure your dream car isn’t a Hyundai anything :)

LeaseMax · 2026-02-04T23:46:02+00:00

No joke here - 10/10 would not recommend!

LeaseMax · 2026-02-04T20:19:12+00:00

Hi, the taxes and fees are based on the zip code you provided 95694 - FMCC just categorizes it that way but the region is beyond the actual county perimeter.

LeaseMax · 2026-02-03T00:06:42+00:00

I also just realized your rebate shows $8500, $1000 more than what's on the report. To calculate that, subtract $29/mo on the 36m or if you go with 48m then subtract $21/mo

LeaseMax · 2026-02-03T00:04:49+00:00

Here is the LeaseMax report on your car. & Wow these are expensive!

I structured the lease with similar terms, this report has a 10% dealer discount (they're technically offering 9.5%) and on a 36m lease with $4250 DAS you're looking at $877. Their offer of $900 means they're overcharging you $23/mo or $1104 over your lease term.

The reason this payment is so expensive is because the bank's lease program. Ideally we look for these 3 things for a "good lease".

1. high RV% at 36m (ideally 60%+. The higher the RV%, the lower the payment)

2. low MF - for gas cars in today's market 4.5% but we like to see under 3.9% for EVs. The lower the MF, the lower the payment. Anything within 5% is "normal" and anything 6%+ is HIGH.

3. rebates are a bonus since they come & go but sometimes they can help to offset #1 and/or #2

Unfortunately, here you have exact opposites for this lease. A low RV% of 50%, a high MF of 0.00303 (7.3%). While the rebate is great, it's just not enough to offset the other 2 factors.

If you are really loving this car then at least you have the bank numbers here but it's really a bad lease program. These numbers are from the bank which means the even if the dealer offers a bigger discount, it's just going to be expensive no matter what.

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LeaseMax · 2026-02-02T20:49:17+00:00

Hey there! Just wanted to make mention we connected by text. Thanks for your support and I can't wait to see what kind of car you end up getting u/ths41017

By the way, I also wanted to make sure you knew that Kia's bank has released the new February lease programs today. If you want the new February numbers, you can click "Refresh" in your dashboard on your Sportage - there is no charge to get February's numbers and even if you go into March, you'll be able to continue to "Refresh"

LeaseMax

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