[wolfsburg2]

I'm not sure what the MF is in Canada right now, but it is .00001 in the US. It's the wrong choice in every circumstance to put a down payment down on a lease with a MF that low. Put the money in a special bank account if you are worried about the monthly payment - the customer shouldn't be assuming the risk if the car is totaled as rightly pointed out above.

BMW has a program called MSD (multiple security deposits) that is basically upfront money used to buy down the money factor. Its returned upon lease completion and this IS a good thing to do in nearly every case. BMW money factors are usually around .0013 (3.9 % APR) before MSDs.

 

[wolfsburg2]

my dealership experience was actually pretty pleasant. I was concerned as BMW, Audi, MB all have low pressure, bottom line oriented sales approaches. No real messing around. My VW dealer was very easy to deal with, sent the invoice along with my initial inquiry that matched Edmunds invoice. A pretty good experience overall. Some hassle on lease numbers that didn't get resolved until finance. But overall, a very good experience.