Hey guys, I have about 5 EV9 GT lines scattered throughout the major Texas metros that I can do some great deals on.

Heres an example on a 77k MSRP with relaxation package that I have

$672 with $672 at signing. 36/12

As always, my service fee is $850

I have a few in lower trim levels as well.

Land trim leases almost identical because residual is worse

Wind I'm around $530-$550 with first month drive off for 36/12 (Very slim inventory)

DM or submit an inquiry on https://www.motormatchers.com/contact-us

Thanks everyone!

Why are these cars so cheap?

Saw people mentioning Qx60 Luxe deals combining MSD and Costco Exec membership could knock down the monthly payment below $400 with tax and fee's included and $0 down.

If you have this deal please DM me. North NJ resident, looking to sign this week.

Been on the hunt for a Lyriq to replace our Blazer EV and finally stumbled across a dealer in the Chicago area that was sitting on some new 2025 models they were looking to move. Given how bad EV lease incentives have been I’m actually quite pleased with the final outcome.

2025 Cadillac Lyriq Luxury 1 AWD

Term: 24/12k One Pay - 10793.61 (449 month)

MSRP: 65094

Sale Price: 58499

Residual: 77%

MF: 00171 (buy rate)

Incentives: 4000 (GM Employee EV Allowance 2500, GM Employee Appreciation Certificate 1500)

Govt Fees: 451

Taxes: 1130.50

Dealer Doc fee: 377.63

From our own archived monthly program snapshots. 45 brand-months, trims matched per consecutive month-pair, 36 months / 12,000 miles / Northeast. Panel recomputed Aug 19, 2026.

The federal funds target has not changed in five straight meetings. Lease payments moved anyway, at almost every brand. So we split every month-over-month payment change into the three levers a manufacturer's own lender can pull, and looked at which one did the work.

The three levers

Lever	What it does	Can you see it?
Money factor	Rent on the money. Touches the rent charge only.	Only if you ask. Dealers can mark it up.
Residual	Sets how much value the car loses on your watch.	Almost never volunteered.
Lease cash	Comes off the cap cost, so it cuts depreciation and rent charge together.	Advertised publicly, changes monthly.

Monthly = (Cap - Residual) / Term + (Cap + Residual) x MF
Cap = MSRP - lease cash

They are not equally negotiable. A cash cut is the factory taking a discount back and arguing will not restore it. A rate increase can usually be argued down to the published buy rate. A residual you cannot touch, but you can shop a different term around it.

Every dollar figure below is an average change per matched trim, not a payment. One trim can move hard against its brand's average, and your quote adds tax, fees, and whatever the dealer does to the rate.

Finding #1: The rate is the number everyone blames and it moved least

Brand	Mar to Apr	Apr to May	May to Jun	Jun to Jul	Jul to Aug
Acura	Quiet $0	Rate -$6	Residual +$3	Quiet $0	Quiet $0
BMW	Rate -$1	Rate +$14	Rate +$11	Rate -$2	Quiet +$2
Ford	Rate -$21	Rate +$5	Rate +$1	Rate -$30	Rate -$24
Genesis	Rate -$4	Rate +$2	Quiet +$1	Residual -$6	Rate -$1
Honda	Rate -$43	Rate +$5	Rate -$11	Cash -$1	Cash +$7
Hyundai	Residual +$8	Cash -$8	Cash +$3	Cash -$2	Cash -$9
Kia	Cash -$5	Residual -$2	Quiet $0	Cash -$1	Cash +$12
Porsche	Rate -$182	Rate -$6	Quiet -$2	Residual +$39	Rate +$153
Subaru	Rate -$15	Residual +$4	Rate -$3	Rate -$10	Residual +$6

Each cell names the lever with the largest share of that month's movement, then the average payment change per matched trim. Quiet means under $2/month of total movement.

In 30 of the 45 brand-months the median money factor moved exactly zero. Of the 2,932 comparisons, 49% did not change at all, 27% got cheaper, 24% got more expensive.

In six months, exactly two brands handed shoppers a visibly higher payment through the rate: BMW in mid-spring, about $25/month over two steps, and Porsche in August. Every other move cut the payment, held it, or gave the money back through another lever.

Finding #2: Mass market pulls cash. Luxury pulls the rate.

Segment	Rate	Residual	Cash
Mass market (1,901 comparisons)	34%	28%	38%
Luxury (1,031 comparisons)	72%	14%	13%

Share of all payment movement attributable to each lever. Mass market: Ford, Honda, Hyundai, Kia, Subaru, Acura. Luxury: BMW, Genesis, Porsche.

Hyundai was cash-led in four of its five months, Kia in three of its four active ones. Kia's August is the cleanest cash month on the board: 94% of the movement was cash, an average of $392 pulled per trim, with the rate contributing 2%.

Honda is the counterexample. Its biggest move of the window was a spring rate cut, 74 basis points off the median trim in April, after which its summer ran entirely through cash. Ford refuses the pattern outright, rate-led in all five months and mostly downward. It prices like a luxury brand wearing a work shirt.

Finding #3: Both of August's big rate increases were something other than a price increase

Porsche looks like the real thing: 216 basis points onto the rate, no cash behind it, 86% of its trims more expensive. But Porsche had cut exactly 216 basis points in April. Its two outliers in the table above are one promotion opening and closing, and for the median Porsche trim, August's money factor is exactly March's.

Genesis raised the money factor by an average of 218 basis points and added an average of $3,040 in lease cash in the same month. Net change to the payment: under a dollar. Its cheapest sedan went from a near-zero promotional rate to an ordinary one while the cash behind it roughly quadrupled. Same deal, restructured.

Compare only two months and you would have called both of these a price hike.

Finding #4: Nothing in the macro data raised your payment

The federal funds target has sat at 3.50% to 3.75% since the cut of December 10, 2025, through five straight holds, with the effective rate at 3.63% in mid-August. Against a benchmark that did nothing, brand medians spread over 430 basis points. A manufacturer's money factor is a marketing budget, not a cost-of-funds pass-through.

The incentive budget does line up. Industry spending held near 7% of average transaction price all spring: 7.2% in March, 6.9% in April, 7.1% in May, 7.0% in June. July dropped to 6.4%, against 7.3% a year earlier, with the average new vehicle at $49,855. That drop is the same event our panel reads as a cash cut.

Used values were up 1.3% year over year in July and down 1.4% for the month. Soft, not falling. Residual led in only 7 of 45 brand-months.

Finding #5: What to do with this at the dealership

Get three numbers in writing before you negotiate anything: money factor, residual, lease cash. Ask what each was last month. The one that changed decides your move.

If this moved	Do this
Cash went down	Negotiate the selling price instead. The factory discount is gone and arguing will not bring it back, but roughly $1,000 off the price is about $30/month at 36 months.
Rate went up	Ask for the published buy rate, then check whether cash went up too. If it did, the deal was restructured, not raised.
Residual dropped	You cannot negotiate this one. Price a different term side by side, and check the lower mileage tiers, which carry higher residuals.
Nothing moved	Your quote should match last month's. If it does not, the difference is the dealer, not the program.

A monthly payment on its own is not enough information. Three levers produce the same number and only one of them is negotiable.

Assumptions

Matched pairs, not lineup averages. For each consecutive month pair we kept only the trims present in both. Otherwise a brand that adds one cheap trim looks like it cut prices.

One lever at a time, shares on absolute effects. Each trim's payment recomputed three times, moving one lever and holding the other two at last month's value. A rate rise and a cash rise that cancel still read as active, which is the Genesis case.

Quiet is a real category. Seven brand-months barely moved at all. Calling a leading lever there would invent a story.

Aggregates only. Pre-tax, 36 months, 12,000 miles, Northeast, MSRP cap. No per-trim rate or residual figures here.

Snapshots for Acura, BMW, Ford, Genesis, Honda, Hyundai, Kia, Porsche and Subaru. Macro figures from the Federal Reserve H.15 release and FOMC statements, the Cox Automotive Kelley Blue Book transaction price reports for March through July 2026, and the Manheim Used Vehicle Value Index for July 2026.

TL;DR

• The median money factor moved exactly zero in 30 of 45 brand-months.
• Half of the 2,932 trim payments did not change at all, and more went down than up.
• Mass-market brands move lease cash, 38% of their payment movement. Luxury brands move the rate, 72% of theirs.
• Ford is the exception and prices like a luxury brand.
• Porsche's 216 basis point August increase is its own April promotion ending.
• Genesis raised its rate 218 basis points and the payment did not move, because the cash moved with it.
• Incentive spending fell to 6.4% of transaction price in July after four months near 7%. That is the cash cut.
• Ask which of the three numbers changed before you accept that the deal got worse.
• quotedefender.com scores your dealer quote and totals what you can negotiate back.

Programs change monthly and by region, so treat this as the shape of the market, not a quote.

Any brokers out there that can help me out with a good deal on an suv? Want something nice, under $700 a month all in. Would love a infiniti qx60, mercedes, audi, volvo, vw. Preferably a demo model, 24 month lease. Can one pay

Limited stock available deal is till the end of the month

What’s a reasonable lease price on a civic hatch sport with $0.00 down?