I pickup up an Ats with the 2.5 engine,Cue,sunroof,and red color last Friday. My lease terms are 39 month,39,000 miles. Payment is $327 a month which includes the tax. In texas the tax is calculated on the entire amount of the car. I had $3000 up load on my gm card plus another $1000.00 from GM card. Do not use the card much because I wasn't planning on another GM product. No out of pocket money.