Lease negotiation, line by line.

The four numbers that decide your lease

Capitalized cost

The negotiated selling price of the car. This is the biggest lever on your payment.

Money factor

The lease equivalent of the interest rate. Multiply by 2,400 to compare it to an APR.

Residual value

Set by the bank, but adjustable via mileage tier and lease term. Higher residual = lower payment.

Drive-off / cap reductions

First payment, acquisition fee, taxes and any money you put down up front.

Fees and add-ons unique to leases

Acquisition fees, disposition fees, over-mileage charges and lease protection products are lease-specific traps. We walk through every one, remove what shouldn't be there, and negotiate what remains.

What a good lease negotiation looks like

You end up with a written breakdown of the cap cost, money factor, residual, term, mileage allowance and drive-off — not just a monthly payment. If any of those change between the offer and the finance office, you'll know instantly.