Current Lease Money Factors & Residual Values
October 2026 OEM buy rates by make and model
Look Up Money Factors
Best Money Factors This Month
| Vehicle | Money Factor | APR |
|---|---|---|
| 2026 Audi S5Premium Plus | 0.00001 | 0.02% |
| 2026 Land Rover DefenderP300 S | 0.00001 | 0.02% |
| 2026 Land Rover Discovery SportS | 0.00001 | 0.02% |
| 2026 Land Rover DiscoveryP300 S | 0.00001 | 0.02% |
| 2026 Jaguar F-PACEP250 R-Dynamic S | 0.00001 | 0.02% |
| 2026 Mercedes-Benz Eqs580 | 0.00001 | 0.02% |
| 2026 Mazda CX-90PHEV Preferred | 0.00001 | 0.02% |
| 2026 Mercedes-Benz Glc350e | 0.00001 | 0.02% |
| 2026 Mercedes-Benz Cla250 | 0.00001 | 0.02% |
| 2026 Audi SQ5Premium Plus | 0.00001 | 0.02% |
Money Factors by Make
Audi
Best MF
0.00001
APR Equiv
0.02%
Models
6
Land Rover
Best MF
0.00001
APR Equiv
0.02%
Best Residual
57.5%
Models
3
Jaguar
Best MF
0.00001
APR Equiv
0.02%
Best Residual
53.1%
Models
1
Mercedes-Benz
Best MF
0.00001
APR Equiv
0.02%
Best Residual
68%
Models
7
Mazda
Best MF
0.00001
APR Equiv
0.02%
Best Residual
62%
Models
7
Nissan
Best MF
0.00002
APR Equiv
0.05%
Best Residual
70%
Models
9
Subaru
Best MF
0.00041
APR Equiv
0.98%
Best Residual
65%
Models
2
Honda
Best MF
0.00060
APR Equiv
1.44%
Best Residual
68%
Models
5
Genesis
Best MF
0.00077
APR Equiv
1.85%
Best Residual
71%
Models
6
BMW
Best MF
0.00094
APR Equiv
2.26%
Best Residual
58%
Models
10
Acura
Best MF
0.00114
APR Equiv
2.74%
Best Residual
64%
Models
4
Toyota
Best MF
0.00141
APR Equiv
3.38%
Best Residual
78%
Models
8
Lexus
Best MF
0.00155
APR Equiv
3.72%
Best Residual
70%
Models
10
Infiniti
Best MF
0.00178
APR Equiv
4.27%
Best Residual
66%
Models
3
MINI
Best MF
0.00186
APR Equiv
4.46%
Best Residual
63%
Models
5
Hyundai
Best MF
0.00227
APR Equiv
5.45%
Best Residual
72%
Models
6
Porsche
Best MF
0.00300
APR Equiv
7.2%
Best Residual
62%
Models
3
What Is a Money Factor?
A money factor is the interest rate on a car lease, expressed as a small decimal like 0.00125. It's set by the manufacturer's captive lender (e.g., Toyota Financial Services, Honda Financial Services) and determines the finance charge portion of your monthly payment.
To convert a money factor to an equivalent APR, multiply by 2,400. For example:
These are "buy rates" — the base rates from the manufacturer's lender before any dealer markup. Dealers can (and often do) add 0.0005–0.0015 to the money factor, which adds 1.2–3.6% to your effective APR. Knowing the buy rate lets you negotiate the markup away.
Residual values are the projected worth of the vehicle at lease end, expressed as a percentage of MSRP. Higher residuals mean lower depreciation and lower monthly payments. Residuals are set by the manufacturer and are non-negotiable.
Frequently Asked Questions
What is a good money factor?
Below 0.00150 (3.6% APR) is good. Below 0.00100 (2.4% APR) is excellent — usually manufacturer-subsidized. Above 0.00250 (6.0% APR) is high and worth pushing back on.
Can the dealer mark up the money factor?
Yes. Dealers often add 0.0005–0.0015 to the buy rate, adding 1.2–3.6% to your effective rate. Unlike APR on a loan, they don't have to disclose the markup. Knowing the buy rate gives you leverage.
How often do money factors change?
Monthly. Manufacturers update money factors and residual values on the 1st or 2nd business day of each month. Programs can also change mid-month, though this is less common.
Are money factors the same everywhere?
Not always. Some manufacturers run regional programs with different rates. The data here reflects nationally available programs. Your local rate may differ slightly.
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