Rates are out !!! - Page 2 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Shimmyshake · 05-02-2012, 05:33 PM

This posted on the scion website?

Enemies · 05-02-2012, 05:35 PM

One question I have. Say if you decide to increase the monthly lease amount by say $50/month for a 2 year lease, do you decrease the residual by $1200 or so?

I'll explain. If I leased, it would be through the company. Then my plan would be to do the buy out personally. So if I make the company pay more for the duration of the lease, my intention would be to lower the final cost for myself.

colHolm · 05-02-2012, 06:09 PM

Quote:

Originally Posted by Enemies

One question I have. Say if you decide to increase the monthly lease amount by say $50/month for a 2 year lease, do you decrease the residual by $1200 or so?

I'll explain. If I leased, it would be through the company. Then my plan would be to do the buy out personally. So if I make the company pay more for the duration of the lease, my intention would be to lower the final cost for myself.

I'm not sure this is possible... TFS sets fixed Lease End Values for a given term. If you want your buyout at the end to be lower, you'd have to lease for a longer term.

Enemies · 05-02-2012, 06:23 PM

Quote:

Originally Posted by colHolm

I'm not sure this is possible... TFS sets fixed Lease End Values for a given term. If you want your buyout at the end to be lower, you'd have to lease for a longer term.

Seems odd. Since if you're throwing them extra money sooner and still giving them the same residual minus your extra payments they are even farther ahead since the residual would be calculated on you borrowing more money for a longer period of time.

Oh well. Thanks for the answer!

YinYang1980 · 05-02-2012, 06:37 PM

Quote:

Originally Posted by SCIONMONTREAL

about 446.00$ all taxes and fees approximately 24 month lease
residual at 19492 + tax

very, very interesting...i have to make a call to the insurance.

what is the allowed km for the whole 24 month.

Marloon · 05-02-2012, 06:53 PM

Quote:

Originally Posted by FR

Interest rates are out !!!

FR-S lease
24 - 4.9
36 - 4.9
48 - 4.9
60 - 5.85

Finance

36 - 2.9
48 - 3.9
60 - 4.9
72 - 5.15

I'm financing on 48 ! My bank is offering 5.5 % so I'm happy !!!

I'll do a 36 month finance on the car - its cheap anyways.

colHolm · 05-02-2012, 07:21 PM

Quote:

Originally Posted by Enemies

Seems odd. Since if you're throwing them extra money sooner and still giving them the same residual minus your extra payments they are even farther ahead since the residual would be calculated on you borrowing more money for a longer period of time.

Oh well. Thanks for the answer!

Check with your dealer to be sure. I could be wrong, it's happened before!

colHolm · 05-02-2012, 07:22 PM

Quote:

Originally Posted by YinYang1980

very, very interesting...i have to make a call to the insurance.

what is the allowed km for the whole 24 month.

I'd guess it's based on 24,000kms per year, so 48,000. You can get a lower payment if you opt for a 20,000km per year maximum.

Enemies · 05-02-2012, 07:46 PM

Quote:

Originally Posted by Marloon

I'll do a 36 month finance on the car - its cheap anyways.

That'd be like $1000/month though. Not bad if you already have the money sitting there but would hate to be stretched in a slow month. Plus, the main fear is we're probably going to sell this house and buy a new one so would hate to not be able to do that comfortably because of a big car payment.

I'm just hoping this car is out before we pull the trigger on selling and buying a new house so I don't get guilted into putting off buying this car. :P

Marloon · 05-04-2012, 04:50 AM

Quote:

Originally Posted by Enemies

That'd be like $1000/month though. Not bad if you already have the money sitting there but would hate to be stretched in a slow month. Plus, the main fear is we're probably going to sell this house and buy a new one so would hate to not be able to do that comfortably because of a big car payment.

I'm just hoping this car is out before we pull the trigger on selling and buying a new house so I don't get guilted into putting off buying this car. :P

So i asked to be pre-approved for a 2.7% 36-month car loan with a $1000 down payment and the bill came out to be 838/mo. I will most likely do a $5000-8000 down payment for the car which will bring it down to 694/mo for 36 months. I will be full paid off in 3 years. That would be amazing!

Enemies · 05-04-2012, 05:15 AM

I'd love to get 2.7% but I doubt that'll happen. The best rate I'll get is probably through Subaru and I expect 3.9% at best, probably 4.9%, hopefully not worse.

I e-mailed my dealer yesterday and he got back to me to say that he is expecting a new program sheet (information containing rates) for the BRZ soon and will let me know when it's available.

Hopefully Subaru follows in Scion's footsteps here.

When do you think you'll hear back about whether your approval goes through? Good luck!

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05-02-2012, 05:33 PM	#15
Shimmyshake Senior Member Join Date: Dec 2011 Drives: Whiteout FR-S Location: Vancouver B.C Posts: 241 Thanks: 8 Thanked 44 Times in 20 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	This posted on the scion website?

05-02-2012, 05:35 PM	#16
Enemies Senior Member Join Date: Feb 2012 Drives: '13 SWP Sport-Tech (Limited) Location: Okanagan Valley, Canada Posts: 1,093 Thanks: 11 Thanked 86 Times in 55 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	One question I have. Say if you decide to increase the monthly lease amount by say $50/month for a 2 year lease, do you decrease the residual by $1200 or so? I'll explain. If I leased, it would be through the company. Then my plan would be to do the buy out personally. So if I make the company pay more for the duration of the lease, my intention would be to lower the final cost for myself.

05-04-2012, 05:15 AM	#25
Enemies Senior Member Join Date: Feb 2012 Drives: '13 SWP Sport-Tech (Limited) Location: Okanagan Valley, Canada Posts: 1,093 Thanks: 11 Thanked 86 Times in 55 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	I'd love to get 2.7% but I doubt that'll happen. The best rate I'll get is probably through Subaru and I expect 3.9% at best, probably 4.9%, hopefully not worse. I e-mailed my dealer yesterday and he got back to me to say that he is expecting a new program sheet (information containing rates) for the BRZ soon and will let me know when it's available. Hopefully Subaru follows in Scion's footsteps here. When do you think you'll hear back about whether your approval goes through? Good luck!

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