It may be specific to certain models. I know that some SVR's like yours were getting as much as $40K off MSRP (e.g. $132K MSRP was being offered for $90K but most that got that discount were paying cash). How much off MSRP of a discount did you get & did you get the subvented lease @ .00002 MF?

 

I got 43k off of my SVR and leased through Chase/JFS. It’s not the bank giving you a bad deal, but the dealership.

 

The intent of this thread was to determine if I could get both the low .00001 or .00002 money factor as well as the 25%-30% discounts and no money down by using a 3rd-party leasing company. As you can see by reading this thread, we learned that 3rd-party leasing agencies appear to be oriented towards people with poor or bad credit which is not conducive to the stated objective as they raise their rates AND they profit in the purchase process as well. In short, using a 3rd-party leasing agent turned out to be 180-degrees from my objective so this attempt was abandoned.

I do remember your thread where you were able to obtain a $148K MSRP SVR. Your $43K discount appears to be a discount of approximately 29%. You also stated that the dealership made you put down $20K to get those rates so you had to come up with cash to essentially "buy down" your lease. Few would have any interest in putting 66% of the lease payments in "up front" that way. Many may also think that your dealership gave you a bad deal but the reality is that as long as there are no incidents during the lease and are OK forgoing the intrinsic time-value of that $20K for the next 3 years, then its a good deal for you. All that really matters is that the consumer is happy with their deal.
https://www.jaguarforums.com/forum/f...4/#post1792990

Many people are getting both large discounts and good leasing rates from JLR/Chase & in the end I did the same. While I was not able to get the current .00002 money factor, I did get pretty darned close & ended up with an approximate 25% discount which allowed me to keep my payment below $800/month for my R coupe that had a $111,058 MSRP. One guy on here got a 32% discount off MSRP off his R ($78K PURCHASE price before TT&L) but getting both a 30%+ discount off MSRP AND a .00002 money factor lease simply does not seem to be possible unless you have a friend that owns a Jaguar dealership.

Most dealerships are marking up the car or the finance or, in your case, demanding a huge down payment. I talked to no fewer than 7 dealerships regarding the pricing on their cars. NONE were willing to do both on a NEW car. Two dealerships had "demos" that they were willing to offer both the lower rates AND the huge discount. One was an Ammonite Grey convertible with a $132,233 MSRP that they previously had listed for $89K. Even with the discounted MSRP & low money factors it still comes to $1,049/month & that's before tax, title, tag, etc so add another C-note to that before your driving it home. I spoke directly to their GM before I was aware of it's mileage. Once I learned that it was essentially a "used" car due to the miles being over 5K but others here may have an interest so here is a link to that one with 5,348 miles at the time they took this picture of their dash...
https://www.hornburgjaguarla.com/inv...wj6k84hmk43782

 

https://forum.leasehackr.com/t/2017-...th-0-down/8096

Here's a link of a guy who's paying $418 a month and $0 down for a base F-Type using USBank. Third party banks might still be cheaper, but I wasn't able to replicate similar results.

 

Yep, I had found his experience in my prior searching. no interest in the base model so I didn't dig too deep into his numbers but I did see that they were pretty low. I think he actually said something in those threads about only actually paying $380/month if I am not mistaken but maybe that was one of his prior cars. $418/month is still a phenomenal deal for an F-Type