Actually the money factor is the single biggest factor in a lease calculation. The selling discount drops your payment approximately $12 a month for every 1% reduction in price with a $40000 vehicle. The money factor drops your payment approximately $12 a month for every .0002 reduction.
I have seen them jack the money factor up by as much as .001. That changes your payment by as much as $60 a month. My dealer tried to charge me .00262 MF with perfect credit. That is over 6% interest rate.
The money factor is unbound. They can change it to whatever value they want. In addition it is not based on credit score at all anymore. They just tell you that to make you think that they are raising it for a legitimate reason.
Always get them to commit to a MF value first. It is much harder for them to play games if that value is locked down before the other negotiations take place.
thanks for the info,
i did order my car about 1 month ago, he told me must be here 3rd week of june (3 months almost),
i did negotiate a lease deal for almost 36500K MSRP, 15K/month, 2000drive off, and 430$/month:
but the dealer told me he can not guarantee the price (since the programs may change from MB), but he said it is unlikely to change, and if it does, it will be known to all, he said the things that may change are the residual of 66% and may be MSRP,,,,,,now does the money factor change by the dealer or from MB ?
i have a picture of the program at the time of the order,