Who did you LEASE through?
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Cadillac XTS Forum Discussion, Who did you LEASE through? in Current Cadillac Vehicle Discussion; The dealer says Ally is $20/month more, but doesn't have a $395 disposition fee at the end of the lease. ...
  1. #1
    docjay is offline Cadillac Owners Member
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    Who did you LEASE through?

    The dealer says Ally is $20/month more, but doesn't have a $395 disposition fee at the end of the lease. I read bad things about the alternative, US Bank which is cheaper but has that fee (so in the end, I save about $380 with US Bank if they don't screw me with other fees at the end of the lease).

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  3. #2
    DG2's Avatar
    DG2
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    Quote Originally Posted by docjay
    The dealer says Ally is $20/month more, but doesn't have a $395 disposition fee at the end of the lease. I read bad things about the alternative, US Bank which is cheaper but has that fee (so in the end, I save about $380 with US Bank if they don't screw me with other fees at the end of the lease).
    How much per month is your XTS lease and how
    Much did you put down ?

  4. #3
    docjay is offline Cadillac Owners Member
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    Re: Who did you LEASE through?

    Quote Originally Posted by DG2 View Post
    How much per month is your XTS lease and how
    Much did you put down ?
    Well I'm still working on it... but so far, it's something like this:

    US Bank: $1,300 down, $750/mo including tax
    Ally: $1,320 down, $770/mo including tax

    US Bank declined my application because I haven't leased a car in 7 years (only bought them fully paid) but the dealer is going to ask them to reconsider. But I've heard Ally is a better company, not sure though.

  5. #4
    DG2's Avatar
    DG2
    DG2 is offline Cadillac Owners Connoisseur
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    Quote Originally Posted by docjay
    The dealer says Ally is $20/month more, but doesn't have a $395 disposition fee at the end of the lease. I read bad things about the alternative, US Bank which is cheaper but has that fee (so in the end, I save about $380 with US Bank if they don't screw me with other fees at the end of the lease).
    Thanks

  6. #5
    corvette00 is offline Cadillac Owners Fanatic
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    Re: Who did you LEASE through?

    I am on my second US Bank lease (had several GMAC), and they had been great to deal with. The dealer purchased my first vehicle from USB and it went very good. The USB customer support is good. I did not really care for the GMAC support

  7. #6
    docjay is offline Cadillac Owners Member
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    Re: Who did you LEASE through?

    Thanks guys. US Bank refuses to reverse their decision despite my near-perfect credit because I don't have car credit history (stupid). So the offer is $1,400 drive-off, $773/mo including tax for a platinum.

  8. #7
    DG2's Avatar
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    Quote Originally Posted by docjay
    Thanks guys. US Bank refuses to reverse their decision despite my near-perfect credit because I don't have car credit history (stupid). So the offer is $1,400 drive-off, $773/mo including tax for a platinum.
    That's very good deal for a $62,000 car with only $1,400 down

  9. #8
    docjay is offline Cadillac Owners Member
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    Re: Who did you LEASE through?

    Quote Originally Posted by DG2 View Post
    That's very good deal for a $62,000 car with only $1,400 down
    Thank you for the input, DG2. The MSRP is $59,430 (has spare tire, but not AWD) but my local dealer also said I should definitely take that deal from the competing dealer who is offering this to me.

  10. #9
    DG2's Avatar
    DG2
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    Quote Originally Posted by docjay

    Thank you for the input, DG2. The MSRP is $59,430 (has spare tire, but not AWD) but my local dealer also said I should definitely take that deal from the competing dealer who is offering this to me.
    The last car I leased was a BMW X5 with a sticker of approx $54 k. I put down $3,800 and my payment was around $750.

  11. #10
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    Re: Who did you LEASE through?

    doc, is that 2 yrs or 3?
    NOW
    '04 Escalade EXT (8/07-?)
    '70 Grand Prix Model J (4/09-?)
    '95 Roadmaster Estate (4/10-?)
    '94 Roadmaster Estate (5/10-?)
    '08 DTS Platinum (2/11-?)
    '97 Riviera S/C ('06-08 and 8/11-?)
    '85 Toronado Caliente (4/14-?)

    PAST
    '92 Toronado ('95-99)
    '99 Grand Prix GTP ('99-02)
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    '95 Deville Concours ('07-11)

    NEXT
    '71-72 Riviera
    '86-91 M-B 560SEC

  12. #11
    docjay is offline Cadillac Owners Member
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    Re: Who did you LEASE through?

    Quote Originally Posted by hueterm View Post
    doc, is that 2 yrs or 3?
    36 months

  13. #12
    docjay is offline Cadillac Owners Member
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    Re: Who did you LEASE through?

    Just to close the loop on this thread, wanted to update you guys that I finalized the deal through Ally and the car (and the iPad it comes with) is being delivered tomorrow

  14. #13
    hueterm's Avatar
    hueterm is offline Moderator
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    Re: Who did you LEASE through?

    That is a really good price for only $1400 down............
    NOW
    '04 Escalade EXT (8/07-?)
    '70 Grand Prix Model J (4/09-?)
    '95 Roadmaster Estate (4/10-?)
    '94 Roadmaster Estate (5/10-?)
    '08 DTS Platinum (2/11-?)
    '97 Riviera S/C ('06-08 and 8/11-?)
    '85 Toronado Caliente (4/14-?)

    PAST
    '92 Toronado ('95-99)
    '99 Grand Prix GTP ('99-02)
    '02 Avalanche North Face ('02-04)
    '93 Roadmaster ('04-07)
    '04 Avalanche Z71 ('04-07)
    '00 Eldorado ETC ('08-11)
    '95 Deville Concours ('07-11)

    NEXT
    '71-72 Riviera
    '86-91 M-B 560SEC

  15. #14
    b4z
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    Re: Who did you LEASE through?

    My dealer is advertising $579 for a base $45k XTS. So $770 sounds about right for. $59k car.

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