Quote: Originally Posted by
slomoe 
You must have missed the whole point. The "formula" isnt used to get a deal, it is used to see how much extra you are paying for the car than if you were to just buy it with cash. If at the end of the lease all payments equal the invoice price of the car, then you did in effect have a 0% interest loan on the car for the time you have had it, as well as a good deal. On a brand new model car it is hard to expect to get down to invoice, that is why I suggest to at least get down to the MSRP before being satisfied. And ass-kissing and being polite are two different things.
It really comes down to personal preference whether to buy or lease, but the nice thing with this method is you know exactly what the car is going to cost you to use and you still have the option to keep it, or buy it out and sell it. Also, if you get a good enough deal on your lease and DO end up buying it on a loan at the end of the lease, you will still end up paying much less in interest that if you financed the whole amount to begin with assuming a 60month term.
I must be on dope then.
I'm just used to being a hardass with dealers because so many of them are dumb, stupid, and expect sucker customers to take it up the ass and sign on the dotted, without fully understanding what they're getting into.
