What is due at signing
Due at signing is everything paid on day one: the first payment, the lender's acquisition fee, the dealer's documentation fee, registration, tax on anything paid up front, any down payment and our concierge fee. All of it is inside that one number, not added on top. Tax and registration depend on where the car is registered, and every number is confirmed in writing before you sign.
Compare by the true monthly cost
Add what is due at signing to the payments over the whole term and divide by the number of months. That is the true monthly cost, and it is how we put our own offers in order, so a low payment with a large amount due at signing does not look cheaper than it is.
Why less down is often safer on a lease
A down payment on a lease only lowers the payments; you do not build ownership with it. If the car is stolen or written off early, the insurance and gap cover settle what is owed to the lender, and a down payment is generally not returned to you. Keeping cash in hand and taking a slightly higher payment protects you from that.
Who gets the best zero down offers
The strongest lease programs, and the ones with nothing due at signing, usually go to applicants with strong credit. If yours is still building, tell us: we will say plainly what the lenders will approve and what it costs.
