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forum threadCnC_Citizen posted Yesterday 09:24 PM
forum threadCnC_Citizen posted Yesterday 09:24 PM

Volkswagen Deal Days: VW Atlas SE/Atlas Cross Sport SE/Tiguan/Taos/Jetta SE - $0 Down payment / $0 Security deposit / $0 First month's lease payment / $0 Due at signing

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VW is trying to sell a bunch of inventory before the end of the Calendar year. Different prices based on model. See below:

$0 Down payment / $0 Security deposit / $0 First month's lease payment / $0 Due at signing*

Atlas SE: *Excludes tax, title, license, options, and dealer fees. Example lease: $599**/mo. for 36-mos. For well-qualified customers. Limited inventory available.

Altas Cross SportSE: *Excludes tax, title, license, options, and dealer fees. Example lease: $619**/mo. for 36-mos. For well-qualified customers. Limited inventory available.

Tiguan:*Excludes tax, title, license, options, and dealer fees. Example lease: $419**/mo. for 36-mos. For well-qualified customers.
Limited inventory available.

Taos: *Excludes tax, title, license, options, and dealer fees. Example lease: $419**/mo. for 36-mos. For well-qualified customers.

Jetta SE: *Excludes tax, title, license, options, and dealer fees. Example lease: $359**/mo. for 36-mos. For well-qualified customers.
Limited inventory available.

Offer is until January 5th 2026



https://www.vw.com/en/offers.html...ys&zip-app
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
VW is trying to sell a bunch of inventory before the end of the Calendar year. Different prices based on model. See below:

$0 Down payment / $0 Security deposit / $0 First month's lease payment / $0 Due at signing*

Atlas SE: *Excludes tax, title, license, options, and dealer fees. Example lease: $599**/mo. for 36-mos. For well-qualified customers. Limited inventory available.

Altas Cross SportSE: *Excludes tax, title, license, options, and dealer fees. Example lease: $619**/mo. for 36-mos. For well-qualified customers. Limited inventory available.

Tiguan:*Excludes tax, title, license, options, and dealer fees. Example lease: $419**/mo. for 36-mos. For well-qualified customers.
Limited inventory available.

Taos: *Excludes tax, title, license, options, and dealer fees. Example lease: $419**/mo. for 36-mos. For well-qualified customers.

Jetta SE: *Excludes tax, title, license, options, and dealer fees. Example lease: $359**/mo. for 36-mos. For well-qualified customers.
Limited inventory available.

Offer is until January 5th 2026



https://www.vw.com/en/offers.html...ys&zip-app

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Yesterday 09:49 PM
684 Posts
Joined Dec 2012
pokerfreak07Yesterday 09:49 PM
684 Posts
I cant wrap my head around leasing. Is an Atlas going to lose $22k in depreciation in 3 years? Thats what it would take to make sense to me.
Yesterday 10:04 PM
210 Posts
Joined Nov 2014
Tusker89Yesterday 10:04 PM
210 Posts
Quote from pokerfreak07 :
I cant wrap my head around leasing. Is an Atlas going to lose $22k in depreciation in 3 years? Thats what it would take to make sense to me.
A 2025 Atlas SE has an MSRP of ~$40k.

A 2022 Atlas SE with 50k miles is going for ~$24k today.

So, in 36 months with 16k miles year usage you can expect it to lose ~$16k in value.

There is extra costs associated with the purchase. Mostly in the form of an interest on a car loan. At a 6% auto loan rate, you would pay about $6k in interest in those first 3 years (assuming you got an 84 month loan to keep the $599 monthly payments).

Consider the interest paid and the depreciation and this deal is about a wash.

Obviously these numbers will vary, possibly significantly, depending on where you live and if you have to pay tax on a lease or on the purchase or not.
Yesterday 10:08 PM
261 Posts
Joined Mar 2023
PantherCat1Yesterday 10:08 PM
261 Posts
Quote from Tusker89 :
A 2025 Atlas SE has an MSRP of ~$40k.

A 2022 Atlas SE with 50k miles is going for ~$24k today.

So, in 36 months with 16k miles year usage you can expect it to lose ~$16k in value.

There is extra costs associated with the purchase. Mostly in the form of an interest on a car loan. At a 6% auto loan rate, you would pay about $6k in interest in those first 3 years (assuming you got an 84 month loan to keep the $599 monthly payments).

Consider the interest paid and the depreciation and this deal is about a wash.

Obviously these numbers will vary, possibly significantly, depending on where you live and if you have to pay tax on a lease or on the purchase or not.

So are you saying that buying and leasing is basically the same cost after all variables are considered?
Yesterday 10:12 PM
210 Posts
Joined Nov 2014
Tusker89Yesterday 10:12 PM
210 Posts
Quote from PantherCat1 :

So are you saying that buying and leasing is basically the same cost after all variables are considered?
In this particular situation, using estimated depreciation numbers I found online, yes, they are basically the same.

If it's about the same for you will depend greatly on where you live. Some states don't tax leases. Others don't have sales tax.

If you live in a state that only charges one or the other, you can basically swing the value in favor of whichever your state does not charge.
Yesterday 10:19 PM
261 Posts
Joined Mar 2023
PantherCat1Yesterday 10:19 PM
261 Posts
Quote from Tusker89 :
In this particular situation, using estimated depreciation numbers I found online, yes, they are basically the same.

If it's about the same for you will depend greatly on where you live. Some states don't tax leases. Others don't have sales tax.

If you live in a state that only charges one or the other, you can basically swing the value in favor of whichever your state does not charge.

So only a slick deal if your state does NOT charge sales tax or does NOT charge tax on leases? Or even better BOTH?
1
Yesterday 10:31 PM
684 Posts
Joined Dec 2012
pokerfreak07Yesterday 10:31 PM
684 Posts
Quote from Tusker89 :
A 2025 Atlas SE has an MSRP of ~$40k.

A 2022 Atlas SE with 50k miles is going for ~$24k today.

So, in 36 months with 16k miles year usage you can expect it to lose ~$16k in value.

There is extra costs associated with the purchase. Mostly in the form of an interest on a car loan. At a 6% auto loan rate, you would pay about $6k in interest in those first 3 years (assuming you got an 84 month loan to keep the $599 monthly payments).

Consider the interest paid and the depreciation and this deal is about a wash.

Obviously these numbers will vary, possibly significantly, depending on where you live and if you have to pay tax on a lease or on the purchase or not.
Let's make it apples to apples. 48k miles you say? .20/mile over 30k miles (which is what lease is for), adds another $3,600. Leases always advertise low usage to start with. People have made worse decisions, but 95% of leases are a poor financial decision. It takes a true slickdeal to make swallowing the worst depreciation years on a car and then having to start over.
Yesterday 10:39 PM
2,594 Posts
Joined May 2008
jailer1Yesterday 10:39 PM
2,594 Posts
Strange that the Atlas cross sport is a bit more expensive than an Atlas SE. We have an Atlas SEL and it's been wonderful.

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Yesterday 10:50 PM
1,038 Posts
Joined Nov 2015
qqzjYesterday 10:50 PM
1,038 Posts
For VW, leasing is better than buy. If the listed price for a new one is $24k, as a private owner, you probably won't get that. But you have to pay tax on the full car. If the car has any issues, which is quite a reasonable assumption for a VW, you are stuck with the car. Leasing, then it is other people's problem. The calculation would be totally different for a Toyota.
2
Yesterday 10:50 PM
210 Posts
Joined Nov 2014
Tusker89Yesterday 10:50 PM
210 Posts
Quote from PantherCat1 :

So only a slick deal if your state does NOT charge sales tax or does NOT charge tax on leases? Or even better BOTH?
If it doesn't charge tax on either, it's a wash again.
Yesterday 10:52 PM
210 Posts
Joined Nov 2014
Tusker89Yesterday 10:52 PM
210 Posts
Quote from pokerfreak07 :
Let's make it apples to apples. 48k miles you say? .20/mile over 30k miles (which is what lease is for), adds another $3,600. Leases always advertise low usage to start with. People have made worse decisions, but 95% of leases are a poor financial decision. It takes a true slickdeal to make swallowing the worst depreciation years on a car and then having to start over.
I missed that detail. In that case, you would only want to compare it a 2022 Atlas with 30k miles. Should be worth ~$27k. In that case, the deal favors the loan. Even more so if you need more than 10k miles a year.
Yesterday 11:00 PM
261 Posts
Joined Mar 2023
PantherCat1Yesterday 11:00 PM
261 Posts
Quote from Tusker89 :
I missed that detail. In that case, you would only want to compare it a 2022 Atlas with 30k miles. Should be worth ~$27k. In that case, the deal favors the loan. Even more so if you need more than 10k miles a year.

So a lease is for a person who strictly wants to just pay less per month and doesn't mind paying more overall and be stuck driving few miles (which is a bad financial decision)?
1
Yesterday 11:38 PM
48 Posts
Joined Apr 2024
PapathedudemanYesterday 11:38 PM
48 Posts
you can get it much cheaper from a junkyard. I got one for a KIA for free..
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Today 12:02 AM
605 Posts
Joined Aug 2019
CnC_CitizenToday 12:02 AM
Original Poster
Pro
605 Posts
Quote from PantherCat1 :
So a lease is for a person who strictly wants to just pay less per month and doesn't mind paying more overall and be stuck driving few miles (which is a bad financial decision)?
Situation dependant. A Lease may be good for someone who knows they won't be in country for longer than a few years. Or a secondary car that's reliable for a larger family. There's also tax incentives for those that lease for a business. Lease benefits tend to be better for government incentives (although not with this deal). Some people don't have the funds for a downpayment and need a car (thank the lack of proper US public transport). Again situation dependant.
Today 12:07 AM
292 Posts
Joined Dec 2004
miadlorToday 12:07 AM
292 Posts
Quote from PantherCat1 :
So are you saying that buying and leasing is basically the same cost after all variables are considered?
If your person that purchases a new car every 3 years....lease.
If you purchase new every 6 years....lease.
A lease most always includes free maintenance. Add up the full purchase price of buying, plus tax, and plus all the costs of maintenance (tires, brakes, and anything else past the 3/36 warranty).

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Today 12:25 AM
146 Posts
Joined Oct 2019
TealMaid7482Today 12:25 AM
146 Posts
Quote from pokerfreak07 :
Let's make it apples to apples. 48k miles you say? .20/mile over 30k miles (which is what lease is for), adds another $3,600. Leases always advertise low usage to start with. People have made worse decisions, but 95% of leases are a poor financial decision. It takes a true slickdeal to make swallowing the worst depreciation years on a car and then having to start over.
I used to firmly believe the same thing, that leases are poor financial decisions for people that keep cars for 6-8-10 years, maintain them well and especially do at least the maintenance work themselves (oil and all fluids, brakes, etc). But considering how poorly and cheaply cars are made now, all driven by electronics, there is no longer a "such and such car will last forever so I'm holding on to it". Not to mention long wait time for shops, lack of truly trained mechanics, lack of part availability, or that some manufacturers are forcing owners to buy their own hardware and software (see how Hyundai is now forcing owners of their newer cars to buy their interface plus a subscription to even replace the brakes). So yes, leases were a poor financial decision in an era when cars were easier to work on and were made to last for the most part. But those times have unfortunately passed and now we pay record high prices for absolute garbage quality...and an iPad glued to the center of the dash. So I am seriously considering a lease for my next car although I always owned my cars and worked on them for many years before I sold them.

But I agree that some lease deals are really bad and you need to do your research not to mention negotiate the price outside of the lease vs loan decision. Just my 2c

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