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How do I find out the base money factor for a car?

The base money factor is set monthly by each manufacturer's finance arm (like Toyota Financial Services, BMW Financial Services, or Ally Financial). Dealers know these rates but are not required to disclose them. Online forums and lease-focused communities often share current base money factors. You can also ask a broker, who has access to current program data and can tell you the base rate for any vehicle you are considering.

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What Our Customers Say

People come for the number. They stay for how easy we make it.

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I had a great experience with Vantage. From start to finish the process was seamless and quick. My salesperson Mark Viegas was great and very professional. I would recommend him and Vantage to anyone looking to by a new car.

I had a great experience with Vantage. From start to finish the process was seamless and quick. My salesperson Mark Viegas was great and very professional. I would recommend him and Vantage to anyone looking to by a new car.

Brian Dorst

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Great experience. The whole process was smooth and straightforward. Omar helped with the transaction and made everything easy to understand. He was professional, patient, and answered all my questions. I really appreciated the good service and would definitely recommend Vantage Auto.
Great experience. The whole process was smooth and straightforward. Omar helped with the transaction and made everything easy to understand. He was professional, patient, and answered all my questions. I really appreciated the good service and would definitely recommend Vantage Auto.

Lina Suarez

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It was a “fun” way to make a car purchase. Mark V. and the whole team were responsive, informative, and very friendly! Can’t wait to purchase the next one!! (😬🤪) Thank you!! Ulla & Bill

It was a “fun” way to make a car purchase. Mark V. and the whole team were responsive, informative, and very friendly! Can’t wait to purchase the next one!! (😬🤪) Thank you!! Ulla & Bill

W Shuler

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Thank you Vantage Auto for getting me a good deal on an Odyssey! Shout out to Charlie who made this process painless and smooth from beginning to end. Totally beats having to go to the dealership.

Thank you Vantage Auto for getting me a good deal on an Odyssey! Shout out to Charlie who made this process painless and smooth from beginning to end. Totally beats having to go to the dealership.

Erick Punsal

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Mark Viegas, my Vantage broker, did an awesome job securing a beautiful 2026 VW TIguan fully loaded with sunroof for a great price! Mark was very patient and was very happy to close the VW deal for me! Delivery by Jordan went smoothly, delivered car right to my home. I would highly recommend Mark Viegas for he was a pleasure to work with! Barbara Casale
Mark Viegas, my Vantage broker, did an awesome job securing a beautiful 2026 VW TIguan fully loaded with sunroof for a great price! Mark was very patient and was very happy to close the VW deal for me! Delivery by Jordan went smoothly, delivered car right to my home. I would highly recommend Mark Viegas for he was a pleasure to work with! Barbara Casale

Barbara Casale

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process could not have been easier, everyone should get their car this way - save yourself time and money and the team is great!

process could not have been easier, everyone should get their car this way - save yourself time and money and the team is great!

Jamie Tanker

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I reached out to several dealerships and it was a terrible experience. So I decided to reach out the Vantage and it was night and day. It was a great experience and very easy to work with. Elka did a tremendous job finding the exact vehicle I was looking for at a great price. They delivered the vehicle to my home and I couldn't as for more. Only place I will get all my vehicles from.
I reached out to several dealerships and it was a terrible experience. So I decided to reach out the Vantage and it was night and day. It was a great experience and very easy to work with. Elka did a tremendous job finding the exact vehicle I was looking for at a great price. They delivered the vehicle to my home and I couldn't as for more. Only place I will get all my vehicles from.

stergios siabanis

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We purchased a 2026 Volvo through the Vantage Group. From the first contact with David every interaction was done with the utmost professionalism. David kept us up to date during our search which involved several changes. I thoroughly recommend this group and will tell my friends to take advantage of David and his group.

We purchased a 2026 Volvo through the Vantage Group. From the first contact with David every interaction was done with the utmost professionalism. David kept us up to date during our search which involved several changes. I thoroughly recommend this group and will tell my friends to take advantage of David and his group.

don moscato

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Raymond

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