Know your number
Lease & finance
payment calculator
Run the same math our finance desk runs - vehicle price, cash down, trade equity, credit tier, term and the fees your state actually charges.
Estimated monthly payment
$2,557.98
72 months at 7.40% APR
- Amount financed
- $148,360
- Sales tax (8.00%)
- $12,000
- Dealer doc fee
- $175
- Title & registration
- $190
- Broker fee
- $995
- Due at signing
- $15,000
- Total interest
- $35,815
- Total of payments
- $184,175
Built on the same lease math the enthusiast community uses: residual as a percentage of MSRP, money factor, adjusted cap cost, state-correct lease tax and a true effective payment. Estimates only - your final numbers come from the lender once Brandon's team shops your deal across the bank network.
Read the numbers right
Your state matters
Sales tax, doc fees and registration swing the number by thousands. Pick where the car gets registered, not where you're standing.
Your FICO sets the rate
Each credit band carries a different APR and lease money factor. Entrepreneur Loan uses business profile instead of personal credit.
Structure beats shopping
Down payment, term and trade equity move the payment more than the sticker does. We'll model a few versions with you on the phone.
The lease math we use
The lease side follows the standard industry method popularized by the LeaseHackr community - residual percentage off MSRP, money factor (APR ÷ 2400), adjusted capitalized cost, depreciation plus rent charge, and your state's tax method applied monthly or upfront. We also show the effective monthly payment with all cash due spread across the term, the cost per $1,000 of MSRP, and how the deal reads against the 1% rule. We're not affiliated with LeaseHackr - we just use the same transparent math so you can check our work anywhere.
Chasing an exotic on financing?
Payment math is only half of it. Exotic lenders also want proof you've carried a comparable auto loan before - which is why the ladder from your first financed car to a Lamborghini matters as much as the rate.
Business owner or 1099? The Entrepreneur Loan often changes the answer entirely.
Want the real approval?
Send us your details and we'll shop your file across the bank network and come back with the strongest structure available.
Get Your Dream Car Now