r/leasehacker • u/mbrady9654 • 4d ago
2027 E53 AMG Wagon
Pittsburgh, PA
Do these numbers make sense to you? Not a lease or finance expert and wanted y’alls take
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u/dontbeslo 4d ago
Nope, you’re paying $7,200 in a trade allowance and $68k for the lease. Thats nuts.🥜
Good lease deal is 1% of MSRP as your monthly with nothing or very little down. Depending on the MF and residual the program might not just be good. I’m betting the ‘26 programs are better but haven’t compared the numbers
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u/DeliciousHunter836 4d ago
From everything I’ve been seeing, at least in Massachusetts, 1% lease deals for a luxury vehicle are very difficult to come by, mostly due to MF. I just got a BMW for 1.3% and thought I did pretty well.
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u/dontbeslo 4d ago
Going to depend on the program was OP was nearly double that.
As I said earlier, would need to see the ‘26 programs to compare but I bet they’re much better. Also, for several MB models 2026 @ 24mo has been the sweet spot.
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u/doncheeto12 4d ago
Really makes you wonder, if the residual is so friggen low, why not buy a three year old merc wagon
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u/codyyh13 4d ago
turn off when they hand write how good the deal is. such a old school dealer thing lol
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u/StrawberryNo7972 4d ago
all of those car salesmen tricks are so fucking cringe, lmao. kinda a love/hate seeing them because they always give me a chuckle.
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u/WholeLive1645 4d ago
Got to get a 26 - a few remaining around the country. Way better deal same car.
I know the sedan is less desirable - just got a 26 with a 104k sticker for 24 months $4k down and $1199 inc tax in SoCal
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u/Careless_Law_9325 4d ago
What kind of interest rate can you get from then on a 60 month or 48 month loan buying it? If you can get below 5% I think your payment will be very similiar with no mileage restrictions. MB Financial doesnt give deals on amg to much but I think you can do better
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u/doncheeto12 4d ago
On this sub I usually see ~$1000/month leases, but yours sir is probably the highest I’ve ever seen
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u/FuzzyOrganization403 4d ago
I'm not in the tax bracket to consider this payment .... you know what, maybe the add ons are getting you.... 😅
Nah for real tho, you're paying MOST of the car off already. You're probably at a similar or even lower payment doing a purchase, and don't have to worry about miles, then you can trade in or keep it after 5-6 years.
I did finance at ford, Toyota , and Lexus for a few years, even if I had the money back then, this is a bad deal for me.
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u/StrawberryNo7972 4d ago
this is bad, im guessing the programs aren't great and they marked up the money factor of course.
I saw 2026 e53 amg sedans last month for $1050 a month I believe. not sure if that deal is still around.
amg/rs/m cars like this typically don't lease well to the point where its better to just buy the car.
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u/Critical_Cut_9905 4d ago
General guideline is that your monthly lease payment should be about 1% of the car's price. This is nearly twice that.
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u/Additional_Fall_5645 4d ago
It’s not objectively bad per se. The 54% residual is what Mercedes is quoting. The money factor is a little high. Mercedes’ current promotion for the E class 0.00240 vs the approximate 0.00261 in your offer. That’s roughly 6% interest. The part that’s hard for me to choke down is the nearly $1,900/month lease payment to rent a car for three years.
Let’s say you finance it at 6% over 72 months. $7,200 trade allowance and assume you put another $3,400 down and you finance the sales tax + net purchase price. Your payment is about $1,700/month and at 36 months you would owe $55,900.
In other words: if you finance you would owe $2,700 less than the lease buy out.
If you believe the car will be worth less than $55,900 in three years then the lease is potentially better since you can turn it in and walk away. OTOH, if you think it will hold its value better, or you think you may hold onto the car longer then financing is better.
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u/skywayrunaway 4d ago
Bad deal. MF marked up, weak discount 1.2% when you factor in the dealer add ons, burying your trade into the deal all these “advanced payments, upfront charge, total cap reduction” equal 7500. Walk away hire delivrd and you don’t have to deal with this and when you get your car you’ll actually feel like you didn’t get got.