Rates for Leasing a FiST

LT Berzerker said:

4600 down, 24 months, 15k per year, $210 a month

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Did you get quotes for both 24 months and 36 months? I've heard that lately 24 months is much lower.

ST-in-Mich said:

Very greatly, without a co-signer my rates would have been doubled.

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Mine's in the 650 range right now, my wife's is a little bit higher, should I have her as a co-signer?

ST-in-Mich said:

Did you get quotes for both 24 months and 36 months? I've heard that lately 24 months is much lower.

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36 was higher, can't remember by how much... Sorry...Thinking around 50 to 75 more... Credit came in @ 733. To buy @ 2.9% interest with same down payment would have been $291 a month for 60 months

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LT Berzerker said:

36 was higher, can't remember by how much... Sorry...Thinking around 50 to 75 more... Credit came in @ 733. To buy @ 2.9% interest with same down payment would have been $291 a month for 60 months

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Hmm, not bad at all really. Thanks for the info, was just curious as i didn't ask for 24 pricing because normally its more expensive, not less.

Kepz said:

Mine's in the 650 range right now, my wife's is a little bit higher, should I have her as a co-signer?

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If she doesnt mind, I would have her at least try.My credit is around the same 650 range and with out my co-signer I was looking at like $500/Month payments.

ST-in-Mich said:

If she doesnt mind, I would have her at least try.My credit is around the same 650 range and with out my co-signer I was looking at like $500/Month payments.

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yikes!

Kepz said:

yikes!

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Yeah, low credit is a son-of-a-gun.

Interesting that you leased a Focus ST in Allegheny County for the rate quoted on the website. I live in the same county, and contact local dealers and am being quoted around $415 a month. I can understand some difference, but more than twice? Without even looking at my credit score (Excellent) or asking about money down? That's little crazy. I guess I will have to head out to Central PA!

I know in CT they include the property taxes in the lease price (by law). That results in much higher payments here than advertised on the website. Maybe some counties in PA do that too?

I shopped around and found a dealer who didn't spew BS from every orifice (it took a while) and got very close to the $200/mo I wanted. I am on a 24 hour test drive and will only keep it if I really like it. (Spoiler alert: I Really Freaking Like It!!!)

pinchvalve said:

I shopped around and found a dealer who didn't spew BS from every orifice (it took a while) and got very close to the $200/mo I wanted. I am on a 24 hour test drive and will only keep it if I really like it. (Spoiler alert: I Really Freaking Like It!!!)

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200$??!?!?! How did you manage that? How many Months/Miles?

I could easily see getting $200/m on a base or very low optioned FiST.

You can get $250/m 12k year / 24m leases on a fully loaded Sunroof/nav/recaros/rado FiST.

For $200 a month for 2 years, even a base car seems pretty awesome for a toy.

The guy with the MKS, that's doing it right !!! [email protected] is hooking up and leaving hard as crap !!! STi guys be jealous I bet !!


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pinchvalve said:

Interesting that you leased a Focus ST in Allegheny County for the rate quoted on the website. I live in the same county, and contact local dealers and am being quoted around $415 a month. I can understand some difference, but more than twice? Without even looking at my credit score (Excellent) or asking about money down? That's little crazy. I guess I will have to head out to Central PA!

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It seems Ford's national website doesn't always convert to local reality.

Also, a big down payment on a short-term lease can really drive the payment. Crude math says a $2400 down payment on a 24 month lease should knock the payment down by (wait for it!) $100/month. But spread over a 36 month lease, that same $2400 only saves you $66/month. You'd need (ta-da!) $3600 down to trim the payment by $100/month on a 36 month lease. Salespeople don't seem qualified to juggle these numbers (I don't know that I am either!) but it really makes pricing a lease hard.

My treshold for silliness was $200/month, so I came up with $3500 (or whatever I said months ago when I remembered it better) down to squish the payment down to $200.

Oh, and the car is worth every penny. My tuned Lincoln is much quicker but not half as interesting.

The Fiesta is as more fun than a Lotus or Boxster because it's practical enough to use all the time and so fun you really don't want to drive anything else!

sourskittle said:

For $200 a month for 2 years, even a base car seems pretty awesome for a toy.

The guy with the MKS, that's doing it right !!! [email protected] is hooking up and leaving hard as crap !!! STi guys be jealous I bet !!


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Warning: Off-topic!

I took the Lincoln to the local flashlight drags a few weeks ago....more than an 1/8 mile but not quite a 1/4. People looked at me in my 6-cylinder automatic sedan like I was lost.

The "track" was slick and launching the RWD cars was hard. Brake-raced hard, my Lincoln might normally spin for about 2 feet but it was scratching for 10-15 feet that day.

I did lose to a very sublte Volvo 940 with a small block Chevy under the hood. Maybe I should have turned the A/C off for that one! Otherwise, the hot-rod Lincoln got the better of a Porsche Cayman,6.0 GTO (twice), Lexus IS-F, Hemi Challenger R/T 6-speed (twice) and a '55 Chevy running nitrous.

And then my wife and 3 kids got back in the car, turned on the air-conditioned seats and got 24mpg on the way home.

Sorry for the topic-detour!