Money factors are set by each manufacturer’s lending arm and can change monthly (During the first couple days of each month) based on economic conditions, lender incentives, or dealer promotions. Our page is updated in real-time to reflect the latest published money factors for every brand and model, so you always have the most current information.

Yes, dealers can mark up the base money factor set by the manufacturer’s lender—sometimes significantly. This markup is extra profit for the dealer, not the lender. Always ask to see the “buy rate” (the lowest available money factor) and use our live data as leverage to negotiate the best possible rate.

Knowing the current money factor for your vehicle gives you a major advantage. If a dealer quotes you a higher money factor than what’s listed here, push back and ask for the base rate. Transparency is key: showing you know the actual rate means you’re less likely to overpay.

Yes, the higher your credit score, the lower the money factor you’ll typically qualify for. Lenders reserve their best rates for customers with excellent credit (usually called Tier 1). If your credit falls into a lower tier, you can expect a higher money factor—and ultimately, a higher monthly lease payment. Some incentives or regional programs can also affect the money factor.