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Oh the fun of being a customer never ends.  Car buying was so much easier when I was a dealer.


My latest gripe is in regards to how the OEM and dealership website's payment calculators don't want you to buy a car. 


On the OEM sites (VW is the worst I've seen) they do not disclose how the payments are calculated.  As far as I can tell they're based on MSRP, not all the incentives, and take a very wide stance on taxes.  Then, who knows what the money factor is and hopefully they're using their own residuals.  All of this comes together to say a lease payment is anywhere between $50 to as much as $800 higher (saw this on a Cadillac) than what the actual payment comes out to from the dealer. 


Then we get to the dealer.  His website probably can't help with a lease payment whatsoever.  But the ones who are buying some lease payment plugin are still a bit off.  They're not nearly as bad as the OEM versions, but there is a good $20 to $200 difference (this grows as the price of the car does) from reality. 


So... I'm a relatively informed car buyer and I'm looking online at options thinking I can't afford that car.  With my knowledge I know better, but I'm not average.  How many average customers are being scared away from purchases due to these fucked-up lease payment calculators?