Separate the variables
Negotiate selling price, money factor, and fees independently. A dealer can hide profit in any one of them.
PRICE ≠ PAYMENT Your lease desk, on your side
The dealer has a desk. You have an edge.
Paste the worksheet. We expose the rate markup, fee padding, and real effective payment—then give you the exact counteroffer to send.
No sign-upTransparent mathZero dealer bias
2026 / SUV
BMW X3 xDrive30i
6.8
/ 10
Advertised$599/mo
Real cost$708/mo
Rate markup+$22/mo
PAYMENT ANATOMY
L7
First move: Ask for the captive buy-rate money factor and remove the $3,000 cap reduction. Your cash is doing the dealer’s job.
MONEY FACTOR ≠ MYSTERY✦PAYMENT IS NOT PRICE✦
ZERO DOWN, ALWAYS✦KNOW THE BUY RATE✦
MONEY FACTOR ≠ MYSTERY✦PAYMENT IS NOT PRICE
01 / QUOTE ANALYZER
Drop the dealer’s numbers.
Drop the dealer’s numbers.
Get your leverage.
Copy an email, text, or worksheet. Elite extracts the terms, checks the math, and shows what to challenge before you walk into the store.
RAW QUOTE0 / 5,000
Quotes are analyzed on demand and are not saved by this app.
Your deal scan appears here
We’ll calculate the true cost, identify the expensive parts, and write your counteroffer.
✓ Rate check✓ Fee audit✓ Cash-risk check
LOCAL DEAL MATH
Your lease quote
—/ 10
Reviewing
Monthly—
Effective—
Total spend—
WHAT TO PUSH ON
YOUR COUNTER
02 / LEASE CALCULATORSee every dollar.
See every dollar.
Before you sign.
No “estimated payment” fog. Change one number and watch the full deal react in real time.
03 / THE PLAYBOOKA better lease in
A better lease in
three moves.
Find the real cost
Roll every dollar due at signing across the term. That effective payment is the only clean way to compare offers.
ALL-IN / TERMCounter with precision
Ask for the captive buy rate, zero cap reduction, and an itemized worksheet. Give the dealer a target, not a question.
SPECIFIC BEATS POLITE
04 / DATA ADVANTAGE
Deal advice grounded in how leases actually work.
The research pipeline in this repo reconstructs residual programs from SEC auto-lease filings. That intelligence is powerful—but incomplete and delayed—so Elite Leasing labels what is calculated, what is benchmarked, and what still needs confirmation from the captive.
DATA CONFIDENCE / CURRENT MVP
Lease payment mathFormula-backed
Quote extractionVerify fields
SEC residual history4+ brands
Current buy rateAsk captive
Elite Leasing never treats historical filings as a live rate sheet. You get a negotiation signal, not a fictional guarantee.