What kind of money factor do you guys think I ca get with a 731 fico on a 48 mo lease. What would be reasonable?

 

Why a lease? I can't stress enough what a bad deal 95% of all leases are. They don't tell you any thing about an implied rate on these generally so you just don't know how badly they are ripping you off. Unless there is a very very good reason to lease you should buy.

a fico fo 731 should get you the best rate or very close to it. Some places give the best rate at 740 others at 725 and others at 700.

 

I can't seem to keep cars longer than two or three years. Purchasing just doesn't benefit me in any way. If I were to purchase a car I would just sell it after two or three years anyway and leasing saves me the hassel of actually putting it on the market. But really, what kind of money factors have you guys gotten and what was your credit score?

 

they have very good lease deals on the g35 from what ive heard since it has a high residual value

 

The g is nice but I want the sports car look of the z.

 

Anyone know what a reasonable money factor might be?

 

Aren't you the person that is 6K upside-down on their Accord? Personally, I'd wait awhile and to avoid rolling old debt into new loans.

If the cars you've owned before have all been Accord-like, don't lease a Z. Once you get it, you'll want to keep it.

If you "can't seem to hold onto a car for more than 2 or 3 years" because you keep wanting to "trade-up" to a bigger, better, faster, sexier car, your next price hike after 2 or 3 years iwth the Z is probably about 20K to get to a C6 or M3 or similar. If you think that's going to be realistic for you, then lease away. If not, buy the Z and plan to have a nice happy future with it.

As for leasing and "money factors", I have no idea, sorry.

 

my company offers a .00157 money factor. If your credit score is over 700 empirica, you can get rates comparable to that. Just my 2 cents.

 

Well ideally what I want to do is lease the z for about two years and then buy it out. I just can't afford to buy right now especially with the 6g's I'm upside down on my accord. God I wish I got the Z in the first place! I know people must think I'm crazy but I do have the means to lease the z and I'm just hoping the dealer isn't going to rape me too bad. I don't want to pay anything more than 500 a month. We'll see tomorrow.

 

For 48 months, you should be sub 500/month.
How much are you putting down? Sounds like not much if you are $6 in the hole on yoru current car.

For $500/month you cna damn near get a house here in Alabama for that

CaptinB

 

If you plan on owning the card at the end of the lease, it's NTO a good idae to lease. Buy it.
On mine, I'd pay about an extra $5k if I were to buy it at the end of the lease. You may be able to negotiate a different residual, but not much different. If you wait a bit longer till the 2005's come out, I beter you can get a great deal on a 2004.5.

CaptinB