Lease Money Factor Markup Check Before You Sign

Lease quotes can look clean while rate markup is hiding in the money factor.

Fast Conversion Rule

Multiply money factor by 2400 to estimate APR equivalent.

Example:

MF = 0.00325
APR equivalent = ~7.8%

This helps you compare lease rate quality to normal financing intuition.

Ask for These Terms in Writing

Money factor
Residual value
Acquisition fee
Due at signing
Monthly payment

If any are missing, you do not have a final lease structure.

Script to Remove Markup

Please confirm the base money factor from the captive lender.
If this quote includes markup above base, remove the markup and resend with revised payment and due-at-signing.

Other Lease Lines to Audit

Acquisition fee above expected lender range
Add-ons bundled into cap cost
Large due-at-signing amounts masking weak monthly terms

Walk-Away Trigger

If dealer refuses to disclose base money factor or repeatedly sends unclear lease terms, stop the process.

You can always shop the same model elsewhere.

To automate this check from a worksheet photo, run Deal Review and use the lease-specific script output.