A simple Answer TO yOUr Question
Can Vantage negotiate the money factor on a lease?
In some cases, yes. The base money factor is set by the manufacturer, but dealers sometimes mark it up. Vantage ensures you are being charged the buy rate, which is the lowest rate available for your credit tier, rather than a marked-up figure that pads dealer profit.
📥 FREE DOWNLOAD
The Smart Buyer's Guide to Leasing vs. Buying in 2026
Discover:
✓ When to lease vs. buy
✓ Hidden fees to watch for
✓ Tax benefits for business owners
✓ Current manufacturer incentives
Smart move!
Download the guide below, plus we've sent a copy to your inbox.
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Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
Joel Jarman
Sean and Brandon were fantastic! I cannot stress how much easier the car buying process was with Sean’s guidance and network. Brandon was a consummate professional when it came to the delivery of our new car! It was clean and cared for after the long drive down. I cannot stress how much better it was working with them as opposed to going to a dealer. We will be buying all our future cars through Sean at Vantage!
Sean and Brandon were fantastic! I cannot stress how much easier the car buying process was with Sean’s guidance and network. Brandon was a consummate professional when it came to the delivery of our new car! It was clean and cared for after the long drive down. I cannot stress how much better it was working with them as opposed to going to a dealer. We will be buying all our future cars through Sean at Vantage!
Alex Kalen
I can’t thank Sean enough for making my transition seamless and completely stress-free. What can often feel like an overwhelming process was made easy and comfortable from start to finish. He took the time to truly understand my wants, needs, and budget without any judgment, and kept me informed every step of the way. His humor and authenticity were an added bonus and made the experience even more enjoyable. Going from one lease to another in under a week felt effortless and refreshing, even without stepping into a dealership. See you in three years, Sean!
I can’t thank Sean enough for making my transition seamless and completely stress-free. What can often feel like an overwhelming process was made easy and comfortable from start to finish. He took the time to truly understand my wants, needs, and budget without any judgment, and kept me informed every step of the way. His humor and authenticity were an added bonus and made the experience even more enjoyable. Going from one lease to another in under a week felt effortless and refreshing, even without stepping into a dealership. See you in three years, Sean!
Alexia Lekkas
We had some unfortunate events with 2 cars, Vantage made it all the difference in getting us back to normal. They were extremely easy to work with, amazing service and attention to detail, and made buying a car a fantastic experience.
We had some unfortunate events with 2 cars, Vantage made it all the difference in getting us back to normal. They were extremely easy to work with, amazing service and attention to detail, and made buying a car a fantastic experience.
Sameer Joglekar
Julie radice
David & Tommy made getting a new vehicle for my wife very easy and simple. Great customer service and they deliver the car right to your house. Great Experience and I highly recommend Vantage Auto Group.
David & Tommy made getting a new vehicle for my wife very easy and simple. Great customer service and they deliver the car right to your house. Great Experience and I highly recommend Vantage Auto Group.
Steve Barrios
I just got my 3rd car through Vantage Auto. The process has always been seamless. I've mostly worked with Sarah and she's always very responsive. She finds out what we want and our approximate budget and is quick to tell me what my options are - including some out of the box ideas. She's able to find good deals on cars we may not have previously considers. Sarah coordinates everything including test drives, picking up your old car, and delivering the new car. I've been very happy with the service I've received from Vantage and highly recommend them for your car shopping needs.
I just got my 3rd car through Vantage Auto. The process has always been seamless. I've mostly worked with Sarah and she's always very responsive. She finds out what we want and our approximate budget and is quick to tell me what my options are - including some out of the box ideas. She's able to find good deals on cars we may not have previously considers. Sarah coordinates everything including test drives, picking up your old car, and delivering the new car. I've been very happy with the service I've received from Vantage and highly recommend them for your car shopping needs.
Josh Sobin
I had an amazing experience working with Mark Viegas! He helped me get a leased vehicle without ever having to step foot in a dealership. Mark handled all the negotiations, worked within my down payment and monthly budget, and made the entire process stress-free. The best part — he even had the car delivered right to my home! I couldn’t be happier with how smooth and easy everything was. Highly recommend Mark if you want a professional who truly takes care of everything from start to finish.
I had an amazing experience working with Mark Viegas! He helped me get a leased vehicle without ever having to step foot in a dealership. Mark handled all the negotiations, worked within my down payment and monthly budget, and made the entire process stress-free. The best part — he even had the car delivered right to my home! I couldn’t be happier with how smooth and easy everything was. Highly recommend Mark if you want a professional who truly takes care of everything from start to finish.
Jessica
Lauren Nissenblatt