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Discussion Starter · #1 ·
Has anyone seen any news around money factors and residuals for 4xe leases?

All I've seen so far is financing rates.
 

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I assume anyone who would actually want to wheel in their 4xe wouldn't even consider leasing, right? At least, I wouldn't. I'd be too afraid of the hit I take at lease end for any damage caused by off-roading fun. Or am I wrong in this assumption? Just curious.
 

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Discussion Starter · #4 ·
I assume anyone who would actually want to wheel in their 4xe wouldn't even consider leasing, right? At least, I wouldn't. I'd be too afraid of the hit I take at lease end for any damage caused by off-roading fun. Or am I wrong in this assumption? Just curious.
I think that's fair to say. I woudn't lease a Jeep if I was planning on taking it anywhere off-road. I'd be too paranoid.
 

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Has anyone seen any news around money factors and residuals for 4xe leases?

All I've seen so far is financing rates.
2021 Sahara 4xe 36m/10k lease with CCAP and very good credit:
Residual 65%
Money Factor 0.00203 (4.87%) or One-Pay 0.00131 (3.14%)
$7,500 EV tax credit is passed to the customer as a taxed incentive which effectively knocks $208 off your monthly payment!

If your customizing, off-roading or driving over 15k miles then buying the non-hybrid is probably a better move.
 

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US Bank

.00195 money factor and 75.6% residual.

$41,859 residual on a $55,352 adjusted cap cost.

Don’t know about now but when I leased mine a couple months ago Chrysler Capital wasn’t even close on the payment. My dealer showed me 3 banks including Chrysler. This was the best deal at the time.


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Wow! 75% residual is great. What payment did that come out to?
Base payment is $493.43. I have my state monthly tax in addition to that. Makes it $527.97.

Did US Bank give you the $7,500 EV tax credit?
. Yes. I don’t recall where or how but they showed it as a discount somewhere. I would have to dig.


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I was quoted a lease with Chrysler Capital; .00276 money factor (ouch) and that’s tier 1 credit with a residual of 65%. Assuming 3 years 10K annual. They will allow $9,000 immediate tax credit off the Cap Cost of $61,000. Still seems like a poor deal considering I am paying full boat on the MSRP. The dealer is also making .00073 markup on the money factor. Any thoughts? I’m leaning toward a 2% credit union loan now.
 

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@Buck1968 I would ask them to give you the money factor at the standard rate. Explain to them that you understand the difference between a buy rate and a sell rate and that you expect to pay the standard money factor. Otherwise, go elsewhere. I personally would not give my business to any dealership that tries to mess around with the money factor or anything else like that.

There are still deals to be had on these. There is no reason for anyone to have to pay over invoice or an inflated money factor on a 4xe if they don't want to. The trick is to order through a broker or directly through a well-known high-volume dealer, even if they are not local to you. I personally went through a broker and bought out of state. I pay $353 a month for my Sahara.

I hope you find what you're looking for. :)
 

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@Buck1968 I would ask them to give you the money factor at the standard rate. Explain to them that you understand the difference between a buy rate and a sell rate and that you expect to pay the standard money factor. Otherwise, go elsewhere. I personally would not give my business to any dealership that tries to mess around with the money factor or anything else like that.

There are still deals to be had on these. There is no reason for anyone to have to pay over invoice or an inflated money factor on a 4xe if they don't want to. The trick is to order through a broker or directly through a well-known high-volume dealer, even if they are not local to you. I personally went through a broker and bought out of state. I pay $353 a month for my Sahara.

I hope you find what you're looking for. :)
Thanks for the feedback. I special ordered the 4xe through this dealer because they agreed to do it at MSRP. (Probably knowing they would get me back on the money factor mark up) All CA dealers, from what I’ve seen, are pushing these out at $5K - $10K over MSRP. I can walk away from the deal according to the dealer and get my deposit back because they know they can sell it to someone else. In any event, I’ll try your suggestion. Appreciated.
 
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