Posted by: John S Kiernan

Consumer research and ratings firm J.D. Power has released its July auto sales forecast, and the trends aren’t looking great for the industry. Monthly new-vehicle retail sales had increased for the previous 54 months compared to the same months in the previous year. However, July’s sales were projected to have a 3.2% decrease compared to July 2017. But with dealers offering even bigger savings during Labor Day weekend, especially on older models, potential buyers will certainly be asking if now is a good time to purchase a car.

At the moment, the market appears to be tilting in favor of the consumer. But there are more questions than just whether or not to buy. Should buyers apply for financing from banks, credit unions or manufacturers? Which manufacturers offer the best financing and leasing terms? How do interest rates compare for new versus used vehicles?

WalletHub answers these questions and more below, based on a detailed analysis of financing offers from a diverse group of more than 150 lenders. The data provided in this report, along with our panel discussion featuring industry experts, will help you make an informed decision. Read on for our findings.

1. Key Findings
2. Who Offers the Best Rates?
3. Rates over Time
4. Excellent vs. Fair Credit Score
5. Manufacturer Transparency
6. Debt Levels over Time
7. Ask the Experts
8. Methodology
9. Historical Data

Key Findings

• Interest rates for new cars are at one of their lowest point in the past three years. However, the average new-car loan now charges 12 percent less interest than the average used-car loan.
• Now is not the time for people with excellent credit to buy used cars. The average interest rate for such buyers has risen nearly 35 percent since Q3 2015.
• Overall, buyers who have fair credit will end up spending about five times more to finance a vehicle than someone with excellent credit, which equates to $6,418 in additional interest payments over the life of a $20,000, five-year loan.
• Consumers in the market for a new car should start their search for financing with car manufacturers (rates 32 percent below average) and credit unions (16 percent below average). Regional banks (12 percent above average) and national banks (16 percent above average) should be secondary options.
• Car manufacturers continue to lack transparency when it comes to leasing offers, with the average one receiving a WalletHub Transparency Score of 4.3 out of 10. The most transparent manufacturers currently include Mini, BMW, Mercedes, Honda, Toyota, Nissan, Audi, Hyundai, but even they registered only a 6-point rating.
• Kia, Mazda, Ford, Infiniti, Subaru, Dodge, Mini offer the lowest financing rates among the major car manufacturers surveyed by WalletHub. Subaru, Toyota, Infiniti, Ford, Acura, Volkswagen, Mercedes have the best leasing offers.

Who Offers the Best Rates?

      Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-columnchart1.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>Note: Above data is based on a 36-month term.      

Financing Offers by Car Manufacturer

It is important for consumers to understand that car-dealership financing offers may come from the financing arm of a car manufacturer or from a third-party financial institution. The following offers reflect financing available directly from car manufacturers’ financing arms.

Car Manufacturer	Financing APR Q3 2018	Lease APR (inferred interest rate) Q3 2018
Honda	1.90%	7.31%
Toyota	1.90%	2.95%
Volkswagen	1.90%	4.57%
Chevrolet	7.49%	6.49%
BMW	5.59%	5.25%
Nissan	4.00%	5.25%
Hyundai	3.99%	7.21%
Kia	0.00%	7.93%
Mazda	0.00%	5.88%
Acura	1.90%	4.57%
Ford	0.00%	4.33%
Audi	4.99%	5.34%
Infiniti	0.00%	3.00%
Subaru	0.00%	2.79%
Lexus	2.99%	5.38%
Mercedes	3.99%	5.01%
Dodge	0.00%	6.05%
Volvo	3.59%	6.83%
Mini	1.90%	7.81%
Buick	4.00%	8.39%
Average	2.51%	5.62%

Note: Above data are based on a 36-month term. The APRs presented for the financing and lease programs of the car manufactures are informational only. The actual obtainable values are based on various factors, including the borrower’s creditworthiness, income, location of residence, promotional programs and even negotiation skills. Make sure to always check upfront with a dealer about the availability of any discounts for particular groups (e.g., military personnel with USAA membership) that you might qualify for and any other costs/restrictions that may be imposed, especially in the case of lease contracts.

Rates over Time

Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-linechart1.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>Note: Above data is based on a 36-month term.

Excellent vs. Fair Credit Score

    Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-columnchart2.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>Note: Above data reflects a $20,000 five-year loan for a new car with a fixed interest rate, using WalletHub’s interest-rate data from Q3 2018.

Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-linechart2.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>

Manufacturer Transparency

Leasing offers are the most difficult type of car-purchasing arrangement for consumers to understand, as they lack the equivalent of an APR that can be used for comparison. As a result, the transparency of manufacturers about these deals is integral to a consumer’s ability to make an informed decision.

Manufacturer	Transp. Score - Q3 2018		Manufacturer	Transp. Score - Q3 2018
Mini	6		Infiniti	3
BMW	6		Volkswagen	3
Mercedes	6		Kia	3
Honda	6		Ford	3
Toyota	6		Dodge	3
Nissan	6		Lexus	3
Audi	6		Buick	3
Hyundai	6		Cadillac	3
Mazda	5		Chevrolet	3
Acura	5		Chrysler	3
Subaru	5		Volvo	2

Debt Levels over Time

Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-linechart5.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>Source: Federal Reserve Bank of New York

Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-linechart6.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>Source: Federal Reserve Bank of New York

Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-linechart7.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>Source: Federal Reserve Bank of St. Louis

Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/10131/auto-linechart8.html" width="780" height="450" frameBorder="0" scrolling="no"></iframe> <div style="width:780px;font-size:12px;color:#888;">Source: <a href="https://ift.tt/2Hbug5Q>Source: Federal Reserve Bank of St. Louis

Ask the Experts

If you aren’t carefully monitoring the trends in car sales, you might miss out on a good deal — or buy at the wrong time. For additional insight into the car-buying process and related issues, we asked a panel of experts to weigh in with their thoughts on the following key questions:

1. On a scale of 1 (an emphatic no) to 10 (an emphatic yes), is this a good time of year to buy a car?
2. Do you expect auto financing deals to improv,get worse or stay the same over the next 12 months?
3. What steps can buyers and dealers take to make the car buying process more transparent and hassle-free?
4. What tips do you have for individuals with fair or poor credit who are looking for an auto loan?
5. What are some signs that you may be getting ripped off in the auto-financing process?

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• Christopher Anicich Lecturer, Marketing Department Faculty, California State University, Fullerton
• Tom McParland Contributing Writer for Jalopnik and Business Owner, AutomatchConsulting.com
• H. Douglas Knust Dealer Principal at Harry K Chevrolet-Buick
• Ajay Kalra Herbert S. Autrey Professor of Marketing in the Jones Graduate School of Business at Rice University
• Amiya Basu Professor of Marketing in the Martin J. Whitman School of Management at Syracuse University
• Laongdao "Tak" Suppasettawat President and Founder of TAK Advisory, LLC

More Experts

Methodology

To conduct our analysis, we reviewed auto-financing offers from a sample of 156 lenders, including 27 “Community Banks” (<$1 billion in total deposit volume) and “Small Banks” ($1 billion to $10 billion in total deposit volume), 47 “Regional Banks” ($10 billion to $100 billion in total deposit volume), 10 “National Banks” (those with a national presence), 52 “Credit Unions” and 20 “Car Manufacturers.”

For comparison purposes, we used 36 months as the repayment term for both financing and lease programs.

For bank-originated loans, we applied the following assumptions:

• $20,000 Loan: New Cars
• $10,000 Loan: Used Cars
• 80 Percent Loan-to-Value Ratio
• Excellent Credit Score: 720+

In order to calculate the “Lease APR,” we used the following methodology:

• We calculated the difference between the price of the car at the beginning and end of the lease to represent the amount that someone “borrows” when he or she leases a car.
• We then multiplied the monthly payments with the term of the lease to obtain the total amount paid for that contract.
• Finally, we calculated the difference between the total amount of payments on the lease contract and the amount “borrowed” to represent the total amount of interest, in dollars, that was paid during that period.

We obtained car-manufacturer loan and lease data from manufacturer websites, where available, or contacted the manufacturer directly. We also applied the following assumptions:

• Excellent Credit Score: 720+
• Annual Expected Mileage for the Lease Program: 15,000

For each car manufacturer, we requested APR data from an AutoNews study published quarterly for the most popular model with the most basic equipment options available.

For the price of the car, we used the “Manufacturer’s Suggested Retail Price” (MSRP), minus any applicable dealer discount. Our sample of cars includes the following:

Car Manufacturer	Car Model - Q3 2018	Car Price
	2018 Honda Accord Sedan LX	$22,116
	2018 Toyota Camry SE FWD	$25,823
	2019 Volkswagen Jetta 1.4T S	$18,461
	2018 Chevrolet Cruze Sedan LS Automatic	$20,465
	2018 BMW 3 Series - 320i Sedan	$32,590
	2018 Nissan Altima S	$22,500
	2018 Hyundai Elantra SE Automatic	$15,245
	2018 Kia Optima LX	$19,897
	2018 Mazda3 Sport 4D Sedan	$17,010
	2018 Acura ILX	$24,070
	2018 Ford Fusion SE FWD	$22,987
	2018 Audi A4 2.0T Ultra Premium Sedan	$36,550
	2018 Infiniti Q50 3.0	$28,190
	2018 Subaru Outback 2.5i	$25,225
	2018 Lexus ES 350	$33,032
	2018 Mercedes-Benz E300	$52,501
	2018 Dodge Charger SXT RWD	$33,320
	2018 Volvo S60 T5 FWD	$30,300
	2018 Mini Cooper Hardtop	$23,895
	2019 Buick Lacrosse FWD Avenir	$45,648

Car Manufacturer & Dealer TransparencyHow easy is the process of obtaining complete financing and lease information from car manufacturers and dealers? – Worth 10 Points Total

1. When lease information is provided on the manufacturer/dealer’s website, how complete is the info? – Worth 5 Points Total
   • Monthly Payment + Lease Term – 0 points
   • Car Price – 1 point
   • Down Payment – 1 point
   • Residual Value – 3 points
2. Does the manufacturer/dealer provide complete lease info on its website for any car combo a consumer may choose? – Worth 1 Point Total
   • Yes – 1 point
   • No – 0 points
3. How prevalent is the lease information provided on the manufacturer/dealer’s website? – Worth 2 Points Total
   • Complete info not provided – 0 points
   • Complete info provided but in fine print or hard to find – 1 point
   • Complete info provided and prevalent – 2 points
4. Does the manufacturer/dealer provide complete lease info offline? - Worth 2 Points Total
   • Both car manufacturers and dealers willing to provide complete info – 2 points
   • Only car manufacturers willing to provide complete info – 1 point
   • Only car dealers willing to provide complete info – 1 point
   • Neither car manufacturers nor dealers willing to provide complete info – 0 points

 

Historical Data Car Loan APRs 2013-2018  Note: Below data are based on a 36-month term.

	Q2 2018 (vs. last yr)	Q1 2018 (vs. last yr)	Q4 2017 (vs. last yr)	Q3 2017 (vs. last yr)	Q2 2017 (vs. last yr)	Q1 2017 (vs. last yr)	Q4 2016 (vs. last yr)	Q3 2016 (vs. last yr)	Q2 2016 (vs. last yr)	Q1 2016 (vs. last yr)	Q4 2015 (vs. last yr)	Q3 2015 (vs. last yr)	Q2 2015 (vs. last yr)	Q1 2015 (vs. last yr)	Q4 2014 (vs. last yr)	Q3 2014 (vs. last yr)	Q2 2014 (vs. last yr)	Q1 2014 (vs. last yr)	Q4 2013 (vs. last yr)
National and Regional Banks - New Cars	4.19% (8.22%)	3.92% (2.33%)	3.90% (2.07%)	3.84% (0.97%)	3.88% (-0.62%)	3.83% (-7.66%)	3.82% (-6.30%)	3.81% (-11.36%)	3.90% (-8.91%)	4.15% (-3.20%)	4.08% (-5.25%)	4.29% (-0.76%)	4.28% (-1.45%)	4.29% (-2.44%)	4.31% (-3.20%)	4.33% (-2.55%)	4.34% (-3.74%)	4.39% (-5.26%)	4.45% (-7.87%)
National and Regional Banks - Used Cars	4.85% (6.06%)	4.59% (1.49%)	4.57% (1.00%)	4.54% (0.80%)	4.58% (0.81%)	4.53% (-4.27%)	4.53% (-5.79%)	4.50% (-10.84%)	4.54% (-8.76%)	4.73% (-4.73%)	4.81% (-6.14%)	5.05% (1.47%)	4.98% (-0.98%)	4.96% (-1.30%)	5.12% (-1.16%)	4.98% (-2.04%)	5.02% (-2.84%)	5.03% (-4.65%)	5.18% (-5.90%)
Credit Unions – New Cars	3.07% (27.30%)	2.61% (13.47%)	2.55% (17.65%)	2.48% (12.58%)	2.41% (9.18%)	2.30% (4.56%)	2.17% (0.29%)	2.20% (1.06%)	2.21% (-7.43%)	2.20% (-8.62%)	2.16% (-11.40%)	2.18% (-11.97%)	2.39% (-3.58%)	2.41% (-4.24%)	2.44% (9.25%)	2.47% (N/A)	2.48% (N/A)	2.51% (N/A)	2.24% (N/A)
Credit Union – Used Cars	3.34% (24.81%)	2.87% (10.79%)	2.84% (15.85%)	2.73% (10.91%)	2.68% (7.55%)	2.59% (3.74%)	2.45% (-0.42%)	2.46% (0.32%)	2.49% (-6.32%)	2.49% (-6.96%)	2.46% (-15.79%)	2.45% (-16.85%)	2.66% (-10.38%)	2.68% (-9.94%)	2.93% (15.35%)	2.95% (N/A)	2.96% (N/A)	2.98% (N/A)	2.54% (N/A)
Community and Small Banks – New Cars	4.47% (8.01%)	4.12% (-2.12%)	4.08% (-3.22%)	4.07% (-3.17%)	4.14% (-2.02%)	4.21% (-3.24%)	4.21% (1.96%)	4.20% (-3.17%)	4.22% (13.82%)	4.35% (14.42%)	4.13% (4.41%)	4.34% (9.64%)	3.71% (-7.27%)	3.80% (-4.82%)	3.96% (-12.14%)	3.96% (N/A)	4.00% (N/A)	4.00% (N/A)	4.50% (N/A)
Community and Small Banks – Used Cars	5.40% (4.21%)	5.09% (-2.76%)	5.17% (-1.25%)	5.21% (-2.88%)	5.18% (-3.45%)	5.23% (-1.86%)	5.23% (1.17%)	5.36% (1.19%)	5.36% (17.93%)	5.33% (18.18%)	5.17% (5.61%)	5.30% (8.71%)	4.55% (-7.48%)	4.51% (-6.86%)	4.90% (-2.21%)	4.88% (N/A)	4.92% (N/A)	4.84% (N/A)	5.01% (N/A)
Car Manufacturers – New Car Financing	2.11% (5.20%)	1.87% (5.62%)	2.41% (111.55%)	1.74% (20.00%)	2.01% (4.15%)	1.77% (-19.18%)	1.14% (-42.71%)	1.45% (19.83%)	1.93% (21.87%)	2.19% (4.78%)	1.99% (N/A)	1.21% (N/A)	1.58% (N/A)	2.09% (N/A)	1.92% (-21.89%)	N/A (N/A)	N/A (N/A)	N/A (N/A)	2.46% (N/A)
Car Manufacturers – Leasing	5.23% (-5.68%)	5.13% (17.19%)	4.91% (7.30%)	4.40% (-3.93%)	5.54% (12.15%)	4.38% (-1.13%)	4.58% (-3.78%)	4.58% (-8.40%)	4.94% (0.43%)	4.43% (-10.14%)	4.76% (N/A)	5.00% (N/A)	4.92% (N/A)	4.93% (N/A)	5.73% (31.84%)	N/A (N/A)	N/A (N/A)	N/A (N/A)	4.35% (N/A)

Historical Financing Offers by Car Manufacturer

Car Manufacturer	Financing APR - Q2 2018	Lease APR (inferred interest rate) - Q2 2018	Financing APR - Q1 2018	Lease APR (inferred interest rate) - Q1 2018	Financing APR - Q4 2017	Lease APR (inferred interest rate) - Q4 2017	Financing APR - Q3 2017	Lease APR (inferred interest rate) - Q3 2017	Financing APR - Q2 2017	Lease APR (inferred interest rate) - Q2 2017	Financing APR - Q1 2017	Lease APR (inferred interest rate) - Q1 2017	Financing APR - Q4 2016	Lease APR (inferred interest rate) - Q4 2016	Financing APR - Q3 2016	Lease APR (inferred interest rate) - Q3 2016	Financing APR - Q2 2016	Lease APR (inferred interest rate) - Q2 2016	Financing APR - Q1 2016	Lease APR (inferred interest rate) - Q1 2016	Financing APR - Q4 2015	Lease APR (inferred interest rate) - Q4 2015	Financing APR - Q3 2015	Lease APR (inferred interest rate) - Q3 2015	Financing APR - Q2 2015	Lease APR (inferred interest rate) - Q2 2015	Financing APR - Q1 2015	Lease APR (inferred interest rate) - Q1 2015	Financing APR - Q4 2014	Lease APR (inferred interest rate) - Q4 2014	Financing APR - Q4 2013	Lease APR (inferred interest rate) - Q4 2013
Nissan	2.99%	3.45%	0.00%	4.74%	0.00%	5.28%	3.99%	5.61%	N/A	N/A	2.81%	4.54%	N/A	N/A	0.00%	2.54%	0.00%	5.09%	0.90%	4.53%	2.99%	4.18%	0.00%	3.06%	0.00%	4.57%	0.00%	0.94%	0.00%	4.74%	0.00%	2.04%
Toyota	1.90%	3.01%	0.90%	2.12%	0.90%	2.88%	0.00%	3.97%	0.00%	3.45%	0.00%	3.30%	0.00%	4.10%	0.00%	2.97%	0.00%	2.35%	2.99%	1.94%	0.00%	5.78%	0.00%	3.29%	0.00%	2.87%	0.00%	4.39%	1.90%	5.66%	3.38%	4.42%
Mazda	N/A	N/A	0.00%	3.49%	N/A	N/A	0.00%	4.96%	N/A	N/A	0.00%	2.31%	0.00%	4.84%	2.69%	4.86%	0.00%	6.19%	1.99%	5.76%	3.99%	5.15%	0.90%	2.86%	3.99%	9.21%	2.24%	5.75%	0.90%	6.36%	0.90%	3.23%
Honda	1.90%	5.45%	3.90%	6.87%	4.99%	8.84%	0.90%	4.76%	0.90%	6.19%	0.90%	2.66%	0.90%	3.89%	1.99%	3.13%	0.90%	3.56%	0.90%	6.40%	0.90%	2.83%	0.90%	3.36%	0.90%	4.77%	0.90%	5.67%	0.90%	3.67%	0.90%	6.25%
Chrysler	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	2.27%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0.90%	3.41%	1.90%	9.15%	0.00%	4.55%	1.98%	8.28%	3.64%	4.80%
Lexus	N/A	N/A	2.90%	2.73%	N/A	N/A	2.99%	4.97%	N/A	N/A	1.90%	4.18%	N/A	N/A	0.90%	5.85%	1.90%	4.05%	2.90%	5.26%	2.90%	3.92%	0.90%	3.68%	N/A	N/A	N/A	N/A	N/A	N/A	2.90%	2.17%
Volvo	N/A	N/A	2.59%	5.70%	N/A	N/A	2.49%	5.20%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	1.99%	2.70%	N/A	N/A	2.69%	1.94%	1.69%	2.65%	1.90%	2.57%	1.90%	7.23%	N/A	N/A
Kia	N/A	N/A	2.90%	6.59%	3.90%	7.60%	0.00%	2.34%	N/A	N/A	0.00%	5.21%	0.00%	5.39%	2.00%	3.65%	1.90%	6.99%	2.99%	2.70%	N/A	N/A	0.00%	4.83%	0.00%	7.54%	1.90%	4.36%	0.00%	5.27%	0.90%	6.01%
Ford	N/A	N/A	0.00%	6.78%	0.00%	2.33%	0.00%	2.58%	3.50%	3.46%	0.00%	5.81%	0.00%	6.47%	0.00%	3.10%	0.00%	3.44%	2.90%	5.00%	N/A	N/A	0.00%	5.02%	0.00%	2.81%	5.90%	6.95%	3.94%	4.71%	4.90%	2.38%
BMW	N/A	N/A	3.89%	3.79%	3.89%	2.37%	3.29%	4.74%	3.59%	5.03%	2.91%	5.14%	2.99%	5.18%	0.90%	3.16%	2.97%	3.72%	2.92%	4.97%	2.92%	5.98%	0.90%	4.42%	0.90%	3.35%	3.12%	6.67%	3.12%	2.26%	2.99%	4.67%
Volkswagen	1.90%	6.31%	1.90%	4.18%	0.90%	3.34%	0.00%	4.87%	N/A	N/A	2.90%	3.66%	2.90%	3.52%	1.99%	3.59%	1.90%	3.34%	2.90%	3.23%	1.90%	5.02%	0.00%	5.42%	0.00%	3.89%	2.90%	3.97%	2.90%	5.68%	3.90%	2.51%
Infiniti	N/A	N/A	3.59%	4.99%	2.99%	2.44%	1.90%	2.75%	0.90%	5.62%	2.99%	5.72%	2.99%	4.69%	0.99%	4.23%	1.90%	3.62%	1.90%	4.81%	N/A	N/A	1.99%	3.84%	1.90%	4.14%	2.90%	2.87%	2.49%	4.68%	2.99%	5.64%
Audi	3.49%	1.98%	2.99%	4.71%	N/A	N/A	3.99%	4.58%	3.40%	4.87%	2.90%	4.08%	N/A	N/A	1.99%	4.11%	2.90%	6.94%	3.90%	5.83%	2.90%	3.88%	2.90%	3.34%	2.90%	2.73%	2.29%	5.23%	2.90%	6.41%	1.90%	4.34%
Chevrolet	3.29%	5.45%	2.99%	4.61%	3.99%	4.54%	2.99%	6.28%	N/A	N/A	3.99%	2.66%	N/A	N/A	2.90%	4.68%	2.90%	2.71%	1.99%	1.91%	1.99%	6.97%	1.99%	5.03%	2.99%	5.28%	2.90%	3.27%	1.90%	1.32%	2.90%	1.15%
Subaru	0.00%	2.23%	0.00%	3.84%	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	3.55%	0.00%	7.30%	0.00%	6.76%	1.49%	8.35%	1.49%	6.59%	1.49%	3.92%	1.90%	5.23%	1.49%	3.81%	1.49%	4.37%	2.99%	8.01%	0.00%	2.50%
Buick	N/A	N/A	2.99%	5.46%	2.99%	4.93%	N/A	N/A	N/A	N/A	5.90%	4.43%	N/A	N/A	N/A	N/A	1.99%	5.02%	2.90%	3.88%	N/A	N/A	0.00%	7.26%	N/A	N/A	N/A	N/A	1.85%	4.13%	1.90%	3.49%
Mercedes	3.99%	8.40%	3.99%	6.46%	3.49%	6.31%	4.90%	5.46%	2.99%	6.29%	3.99%	7.21%	1.99%	3.01%	2.99%	4.81%	2.69%	3.46%	2.99%	4.23%	N/A	N/A	3.49%	4.32%	N/A	N/A	2.99%	8.11%	2.99%	9.28%	3.90%	5.43%
Mini	1.90%	6.33%	0.90%	10.29%	N/A	N/A	2.90%	7.95%	N/A	N/A	2.40%	6.52%	N/A	N/A	0.00%	7.82%	3.44%	6.19%	0.90%	6.84%	N/A	N/A	1.49%	6.83%	1.90%	6.60%	0.90%	4.27%	1.90%	7.89%	N/A	N/A
Cadillac	N/A	N/A	1.90%	5.11%	N/A	N/A	0.00%	4.37%	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	3.17%	N/A	N/A	1.90%	4.17%	1.90%	3.81%	1.88%	6.65%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Hyundai	N/A	N/A	0.00%	2.51%	N/A	N/A	0.00%	2.93%	N/A	N/A	0.00%	2.55%	0.00%	2.80%	0.00%	3.03%	1.90%	5.39%	2.99%	4.18%	N/A	N/A	1.90%	7.24%	2.59%	3.62%	2.90%	7.42%	2.90%	6.37%	0.00%	4.73%
Dodge	0.00%	10.29%	0.00%	8.11%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2.90%	10.02%	3.90%	9.24%	0.00%	5.99%	0.00%	5.68%	0.00%	10.41%	0.00%	10.86%	1.90%	7.74%	1.99%	10.64%	3.90%	6.78%
Acura	1.90%	4.57%	0.90%	6.71%	0.90%	8.11%	0.90%	2.86%	0.90%	6.19%	0.90%	4.68%	1.90%	3.82%	1.99%	5.32%	1.90%	4.28%	1.90%	4.06%	N/A	N/A	1.90%	8.52%	1.90%	3.84%	0.90%	3.20%	0.90%	4.53%	0.90%	5.08%
Mitsubishi	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2.49%	3.84%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2.99%	3.50%	N/A	N/A	0.00%	3.31%	N/A	N/A
Jaguar	N/A	N/A	1.90%	3.15%	N/A	N/A	1.90%	2.35%	1.90%	8.73%	1.90%	3.12%	N/A	N/A	1.90%	3.06%	1.99%	2.00%	1.90%	2.57%	N/A	N/A	N/A	N/A	2.90%	6.87%	1.90%	5.14%	N/A	N/A	N/A	N/A
Fiat	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	9.01%	N/A	N/A	3.90%	7.53%	3.90%	5.73%	N/A	N/A	N/A	N/A	N/A	N/A	3.90%	3.12%	3.90%	6.05%	N/A	N/A	4.90%	6.08%
Scion	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	1.90%	3.35%	1.90%	6.94%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	3.95%	7.59%
Average	2.11%	5.23%	1.87%	5.13%	2.41%	4.91%	1.74%	4.40%	2.01%	5.54%	1.77%	4.38%	1.14%	4.58%	1.45%	4.58%	1.93%	4.94%	2.19%	4.43%	1.99%	4.76%	1.21%	5.00%	1.58%	4.92%	2.09%	4.93%	1.92%	5.73%	2.46%	4.35%

Historical Manufacturers Transparency Score

Manufacturer	Transp. Score - Q2 2018	Transp. Score - Q1 2018	Transp. Score - Q4 2017	Transp. Score - Q3 2017	Transp. Score - Q2 2017	Transp. Score - Q1 2017	Transp. Score - Q4 2016	Transp. Score - Q3 2016	Transp. Score - Q2 2016	Transp. Score - Q1 2016	Transp. Score - Q4 2015	Transp. Score - Q3 2015	Transp. Score - Q2 2015	Transp. Score - Q1 2015	Transp. Score - Q4 2014
Mazda	5	5	5	5	6	6	6	6	6	6	6	6	6	6	6
Infiniti	3	6	6	6	6	6	6	6	6	6	6	6	6	6	6
Mini	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6
BMW	6	6	6	6	6	6	6	6	6	6	6	6	6	6	3
Acura	5	5	5	5	5	6	6	6	6	6	6	6	6	6	3
Jaguar	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	6	6	N/A
Honda	6	6	6	6	6	6	6	6	6	6	6	6	6	3	3
Volkswagen	3	6	6	6	6	6	6	6	6	6	6	6	6	3	3
Kia	3	3	3	6	6	6	6	6	6	6	6	6	6	3	3
Toyota	6	6	6	6	6	6	6	6	6	6	3	3	3	3	3
Nissan	6	6	6	6	6	6	6	6	6	6	3	3	3	3	3
Ford	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Dodge	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Audi	6	6	6	3	6	6	6	6	6	3	3	3	3	3	3
Volvo	2	3	3	3	3	2	2	2	2	2	3	3	3	3	3
Fiat	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	3	3	N/A
Mitsubishi	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	3	N/A	3
Cadillac	3	2	2	2	2	2	2	2	2	2	3	3	3	N/A	N/A
Chevrolet	3	2	2	2	2	2	2	2	2	2	1	1	1	1	3
Chrysler	3	3	3	3	3	3	3	3	3	3	3	3	1	1	3
Hyundai	6	6	3	6	6	6	6	6	6	6	1	1	1	1	1
Subaru	5	5	5	5	5	5	5	5	5	5	2	2	1	1	1

List of Cars Used to Calculate the Lease APR (inferred interest rate) by Quarter:

Car Manufacturer	Car Model - Q2 2018	Car Model - Q1 2018	Car Model - Q4 2017	Car Model - Q3 2017	Car Model - Q2 2017	Car Model - Q1 2017	Car Model - Q4 2016	Car Model - Q3 2016	Car Model - Q2 2016	Car Model - Q1 2016	Car Model - Q4 2015	Car Model - Q3 2015	Car Model - Q2 2015	Car Model - Q1 2015	Car Model - Q4 2014	Car Model - Q4 2013
	2018 Honda Accord Sedan LX ($22,208)	2018 Honda Accord Sedan LX ($23,038)	2018 Honda Accord Sedan LX ($22,238)	2017 Honda Accord Sedan LX ($20,130)	2017 Honda Accord Sedan LX ($21,630)	2017 Honda Accord Sedan LX ($21,086)	2017 Honda Accord Sedan EX ($23,453)	2017 Honda Accord Sedan LX ($21,387)	2016 Honda Accord Sedan LX CVT ($21,468)	2016 Honda Accord Sedan LX CVT ($20,496)	2016 Honda Accord Sedan LX CVT ($21,435)	2015 Honda Accord Sedan LX CVT ($20,800)	2015 Honda Accord Sedan LX CVT ($21,591)	2015 Honda Accord Sedan LX CVT ($21,160)	2015 Honda Accord Sedan LX Automatic ($21,014)	2014 Civic Coupe LX ($17,600)
	2018 Toyota Camry SE FWD ($28,253)	2018 Toyota Camry SE FWD ($24,700)	2018 Toyota Camry SE FWD ($26,637)	2017 Toyota Camry SE FWD ($23,200)	2017 Toyota Camry SE FWD ($20,440)	2017 Toyota Camry SE FWD ($23,419)	2017 Toyota Camry SE FWD ($25,464)	2017 Toyota Camry SE FWD ($22,447)	2016 Toyota Camry SE Sedan Automatic ($21,675)	2016 Toyota Camry SE Sedan Automatic ($21,920)	2016 Toyota Camry SE Sedan Automatic ($22,176)	2015 Toyota Camry SE Sedan Automatic ($23,088)	2015 Toyota Camry SE Sedan Automatic ($21,888)	2015 Toyota Camry SE Sedan Automatic ($24,088)	2015 Toyota Camry SE Sedan Automatic ($22,665)	2014 Toyota Camry L ($22,988)
	2019 Volkswagen Jetta 1.4T S ($18,151)	2018 Volkswagen Jetta Sedan SE Automatic ($19,886)	2018 Volkswagen Jetta Sedan SE Automatic ($17,250)	2017 Volkswagen Jetta Sedan SE Automatic ($18,270)	N/A	2017 Volkswagen Jetta Sedan SE Automatic ($20,700)	2017 Volkswagen Jetta SE Automatic ($20,900	2016 Volkswagen Jetta Sedan S Automatic ($18,040)	2016 Volkswagen Jetta Sedan S Automatic ($19.315)	2016 Volkswagen Jetta Sedan S Automatic ($17,653)	2016 Volkswagen Jetta Sedan S Automatic ($20,596)	2015 Volkswagen Jetta Sedan S Automatic ($22,700)	2015 Volkswagen Jetta Sedan S Automatic ($19,269)	2015 Volkswagen Jetta Sedan S Automatic ($16,038)	2015 Volkswagen Jetta Sedan S Automatic ($17,995)	2014 Volkswagen Jetta Sedan S ($14,999)
	2018 Chevrolet Cruze Sedan LS Automatic ($21,083)	2018 Chevrolet Cruze Sedan LS Automatic ($18,000)	2018 Chevrolet Cruze Sedan LS Automatic ($23,706)	2017 Chevrolet Cruze Sedan LT Automatic ($21,500)	N/A	2017 Chevrolet Cruze Sedan LS Automatic ($19,607)	N/A	2016 Chevrolet Cruze Sedan LS ($18,510)	2016 Chevrolet Cruze Sedan LS ($18,597)	2016 Chevrolet Cruze Sedan LS ($18,973)	2016 Chevrolet Cruze Sedan LS ($15,510)	2015 Chevrolet Cruze Sedan LS ($16,237)	2015 Chevrolet Cruze Sedan LS ($17,605)	2015 Chevrolet Cruze Sedan LS Manual ($17,858)	2015 Chevrolet Cruze Sedan LS Manual ($17,950)	2014 Chevrolet Cruze LS ($17,438)
	N/A	2018 BMW 3 Series - 320i Sedan ($38,536)	2018 BMW 3 Series - 320i Sedan ($38,735)	2017 BMW 3 Series - 320i Sedan ($36,350)	2017 BMW 3 Series - 320i Sedan ($34,790)	2017 BMW 3 Series - 320i Sedan ($41,260)	2017 BMW 3 Series -320i Sedan ($33,888)	2016 BMW 3 Series -320i Sedan ($35,993)	2016 BMW 3 Series -320i Sedan ($33,600)	2016 BMW 3 Series -320i Sedan ($35,375)	2016 BMW 3 Series -320i Sedan ($35,505)	2015 BMW 3 Series -320i Sedan ($30,850)	2015 BMW 3 Series -320i Sedan ($31,445)	2015 BMW 3 Series -320i Sedan ($32,950)	2015 BMW 3 Series -320i Sedan ($31,940)	2014 BMW 320i Sedan ($34,500)
	2018 Nissan Altima S ($23,500)	2018 Nissan Altima S ($21,925)	2018 Nissan Altima S ($21,606)	2017 Nissan Altima 2.5 S ($20,740)	N/A	2017 Nissan Altima 2.5 S ($22,020)	N/A	2016 Nissan Altima 2.5 S ($23,664)	2016 Nissan Altima 2.5 S ($21,058)	2015 Nissan Altima 2.5 S ($21,801)	2015 Nissan Altima 2.5 S ($18,975)	2015 Nissan Altima 2.5 S ($20,758)	2015 Nissan Altima 2.5 S ($22,175)	2015 Nissan Altima 2.5 S ($22,995)	2015 Nissan Altima 2.5 S ($19,848)	2014 Nissan Altima 4dr Sedan I4 2.5 S ($21,500)
	N/A	2018 Hyundai Elantra SE Automatic ($16,245)	N/A	2018 Hyundai Elantra SE Automatic ($18,435)	N/A	2017 Hyundai Elantra SE Automatic ($26,248)	2017 Hyundai Elantra SE Automatic ($20,060)	2017 Hyundai Elantra SE Automatic ($17,750)	2016 Hyundai Elantra SE Automatic ($16,250)	2016 Hyundai Elantra SE ($16,866)	N/A	2015 Hyundai Elantra SE ($16,483)	2015 Hyundai Elantra SE ($18,000)	2015 Hyundai Elantra SE Manual ($15,794)	2015 Hyundai Elantra SE Manual ($17,055)	2014 Hyundai Sonata SE 2.0T ($24,010)
	N/A	2018 Kia Optima LX ($18,960)	2018 Kia Optima LX ($18,964)	2018 Kia Optima LX ($23,585)	N/A	2016 Kia Optima LX ($19,314)	2017 Kia Optima LX ($23,400)	2016 Kia Optima LX ($21,839)	2016 Kia Optima LX ($21,370)	2016 Kia Optima LX ($22,945)	N/A	2015 Kia Optima LX ($19,440)	2015 Kia Optima LX ($18,390)	2015 Kia Optima LX ($19,485)	2015 Kia Optima LX ($19,208)	2014 Kia Soul Base (A6) 4dr H ($16,236)
	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2015 Chrysler 200 Limited Sedan ($19,540)	2015 Chrysler 200 Limited Sedan ($20,460)	2015 Chrysler 200 Limited Sedan ($22,220)	N/A	2014 Chrysler 200 ($22,800)
	N/A	2018 Mazda3 Sport 4D Sedan ($16,500)	N/A	2017 Mazda3 Sport 4D Sedan ($16,820)	N/A	2017 Mazda3 Sport 4D Sedan ($20,030)	2017 Mazda3 Sport Sedan ($17,869)	2016 Mazda3 i Sport ($17,418)	2016 Mazda3 i Sport ($16,781)	2016 Mazda3 i Sport ($18,000)	2016 Mazda3 i Sport ($18,583)	2015 Mazda3 4-Door i SV ($23,710)	2015 Mazda3 4-Door i SV ($17,115)	2015 Mazda3 4-Door i SV ($18,226)	2015 Mazda3 4-Door i SV ($17,040)	2014 Mazda 3 Sedan ($20,599)
	2018 Acura ILX ($24,074)	2018 Acura ILX ($25,000)	2018 Acura ILX ($25,186)	2017 Acura ILX ($22,605)	2017 Acura ILX ($22,450)	2017 Acura ILX ($24,999)	2017 Acura ILX ($23,500)	2017 Acura ILX ($27,922)	2016 Acura ILX 5-Speed Automatic ($24,500)	2016 Acura ILX 5-Speed Automatic ($25,614)	N/A	2015 Acura ILX 5-Speed Automatic ($31,656)	2015 Acura ILX 5-Speed Automatic ($25,995)	2015 Acura ILX 5-Speed Automatic ($23,987)	2015 Acura ILX 5-Speed Automatic ($22,512)	2014 Acura TL ($36,960)
	2018 Subaru Outback 2.5i ($26,800)	2018 Subaru Outback 2.5i ($25,356)	N/A	N/A	N/A	2017 Subaru Outback 2.5i ($29,500)	2017 Subaru Outback 2.5i ($24,313)	2016 Subaru Outback 2.5i ($25,200)	2016 Subaru Outback 2.5i ($27,953)	2016 Subaru Outback 2.5i ($24,161)	2016 Subaru Outback 2.5i ($26,817)	2015 Subaru Outback 2.5i ($28,043)	2015 Subaru Outback 2.5i ($25,278)	2015 Subaru Outback 2.5i ($27,802)	2015 Subaru Outback 2.5i ($22,500)	2014 Subaru Outback ($22,998)
	N/A	2018 Ford Fusion SE FWD ($19,715)	2018 Ford Fusion SE FWD ($23,197)	2017 Ford Fusion SE FWD ($20,745)	2017 Ford Fusion SE FWD ($22,713)	2017 Ford Fusion SE FWD ($19,761)	2017 Ford Fusion SE ($21,235)	2016 Ford Fusion SE ($24,180)	2016 Ford Fusion SE ($21,680)	2016 Ford Fusion SE ($23,895)	N/A	2015 Ford Fusion SE ($22,371)	2015 Ford Fusion SE ($23,370)	2015 Ford Fusion SE ($20,156)	2015 Ford Fusion SE ($22,474)	2014 Ford Fusion ($20,697)
	2018 Dodge Charger SXT RWD ($27,450)	2018 Dodge Charger SXT RWD ($29,590)	N/A	N/A	N/A	N/A	N/A	2016 Dodge Charger SE ($27,495)	2016 Dodge Charger SE ($26,771)	2016 Dodge Charger SE ($27,490)	2016 Dodge Charger SE ($28,524)	2015 Dodge Charger SE ($30,190)	2015 Dodge Charger SE ($26,900)	2014 Dodge Charger SE ($26,453)	2014 Dodge Charger SE ($25,020)	2014 Dodge Charger ($27,015)
	2018 Audi A4 2.0 TFSI Premium FWD ($35,031)	2018 Audi A4 Sedan 2.0T Ultra FWD S Tronic ($31,877)	N/A	2017 Audi A4 2.0 Manual Quattro ($47,000)	2017 Audi A4 2.0 TFSI Premium FWD ($52,625)	2017 Audi A4 2.0 TFSI Premium FWD ($37,584)	N/A	2017 Audi A4 2.0 TFSI Premium FWD ($36,980)	2016 Audi A4 2.0T FWD ($37,500)	2016 Audi A4 2.0T FWD ($40,945)	2016 Audi A4 2.0T FWD ($38,495)	2015 Audi A4 2.0T FWD ($34,000)	2015 Audi A4 2.0T FWD ($36,000)	2015 Audi A4 2.0T FWD Multitronic ($36,000)	2015 Audi A4 2.0T FWD Multitronic ($32,982)	2014 Audi A4 ($35,253)
	N/A	2018 Infiniti Q50 3.0 ($55,101)	2018 Infiniti Q50 ($37,795)	2017 Infiniti Q50 3.0 ($35,000)	2017 Infiniti Q50 ($32,912)	Infiniti 2017 Q60 RWD ($38,590)	2017 Infiniti Q50 ($34,305)	2016 Infiniti Q50 3.7 ($37,107)	2016 Infiniti Q50 3.7 ($32,500)	2016 Infiniti Q50 3.7 ($30,995)	N/A	2016 Infiniti Q50 3.7 ($34,310)	2016 Infiniti Q50 3.7 ($39,545)	2014 Infiniti Q50 3.7 ($34,680)	2014 Infiniti Q50 3.7 ($36,334)	2013 Infiniti G37 ($33,835)
	2018 Mini Cooper Hardtop ($25,025)	2018 Mini Cooper Hardtop ($24,860)	N/A	2017 Mini Cooper Hardtop ($21,110)	N/A	2017 Mini Cooper Hardtop ($26,424)	N/A	2016 Mini Cooper Hardtop ($25,045)	2016 Mini Cooper Hardtop ($26,220)	2016 Mini Cooper Hardtop ($21,373)	N/A	2015 Mini Cooper Hardtop ($25,053)	2015 Mini Cooper Hardtop ($18,921)	2015 Mini Cooper Hardtop ($21,000)	2015 Mini Cooper Hardtop ($23,550)	N/A
	N/A	2018 Volvo S60 ($33,215)	N/A	2017 Volvo S60 ($32,875)	N/A	N/A	N/A	N/A	2016 Volvo S60 T5 Drive-E ($31,000)	2016 Volvo S60 T5 Drive-E ($36,295)	N/A	2015 Volvo S60 T5 Drive-E ($37,054)	2015 Volvo S60 T5 Drive-E ($33,750)	2015 Volvo S60 T5 Drive-E ($37,397)	2015 Volvo S60 T5 Drive-E FWD ($33,163)	N/A
	N/A	N/A	N/A	N/A	N/A	2017 Fiat 500 POP Automatic ($16,730)	N/A	2016 Fiat 500 POP Automatic ($14,490)	2016 Fiat 500 POP ($19,350)	N/A	N/A	N/A	2015 Fiat 500 POP ($18,676)	2015 Fiat 500 POP ($17,495)	N/A	2014 Fiat 500 ($14,495)
	N/A	2018 Jaguar XF 2.0D ($55,255)	N/A	2017 Jaguar XF 2.0D ($47,964)	2017 Jaguar 2.0D ($42,000)	2017 Jaguar 2.0D ($38,245)	N/A	2016 Jaguar XF 35T Premium ($54,245)	2016 Jaguar XF 3.5T Prestige ($54,700)	2016 Jaguar XF Premium ($55,091)	N/A	N/A	2015 Jaguar XF 2.0T Premium ($49,974)	2015 Jaguar XF 2.0T Premium ($47,625)	N/A	N/A
	N/A	N/A	N/A	N/A	N/A	2017 Mitsubishi Lancer ES 5MT ($18,482)	N/A	N/A	N/A	N/A	N/A	N/A	2015 Mitsubishi Lancer GT ($17,320)	N/A	2015 Mitsubishi Lancer ES 5MT ($20,905)	N/A
	2018 Mercedes-Benz E300 ($54,965)	2018 Mercedes-Benz E300 ($52,500)	2018 Mercedes-Benz E300 ($52,265)	2017 Mercedes-Benz E300 ($51,445)	2017 Mercedes-Benz E300 ($50,245)	2017 Mercedes-Benz E300 ($52,585)	2017 Mercedes-Benz E300 Sedan ($49,750)	2016 Mercedes-Benz E350 Sedan ($48,416)	2016 Mercedes-Benz E350 Sedan ($52,282)	2016 Mercedes-Benz E350 Sedan ($52,256)	N/A	2015 Mercedes-Benz C-Class Sedan ($50,106)	N/A	2015 Mercedes-Benz E250 Blue TEC Sedan ($55,100)	2015 Mercedes-Benz E250 Blue TEC Sedan ($53,835)	2014 Mercedes-Benz C-Class Sedan ($39,286)
	N/A	2018 Cadillac ATS Coupe ($44,954)	N/A	2017 Cadillac ATS Sedan ($33,560)	N/A	N/A	N/A	2016 Cadillac ATS Sedan RWD 2.5L Standard ($28,700)	N/A	2016 Cadillac ATS Sedan RWD 2.5L Standard ($43,800)	2016 Cadillac ATS Sedan RWD 2.5L Standard ($36,010)	2015 Cadillac ATS Sedan RWD 2.5L Standard ($30,132)	2015 Cadillac ATS Sedan RWD 2.5L Standard ($35,018)	N/A	N/A	N/A
	N/A	2018 Buick Lacrosse FWD ($33,595)	2018 Buick Lacrosse FWD ($40,754)	N/A	N/A	2017 Buick Lacrosse FWD ($35,099)	N/A	N/A	2016 Buick LaCrosse ($34,418)	2016 Buick LaCrosse ($39,310)	N/A	2015 Buick LaCrosse ($42,100)	N/A	N/A	2015 Buick LaCrosse ($29,665)	2014 Buick LaCrosse ($33,409)
	N/A	2018 Lexus ES 350 ($35,911)	N/A	2017 Lexus ES 350 ($33,875)	N/A	2017 Lexus ES 350 ($41,821)	N/A	2016 Lexus ES 300 ($36,868)	2016 Lexus ES 300 ($38,222)	2016 Lexus ES 300 ($36,115)	2016 Lexus ES 300 ($42,057)	2015 Lexus ES 300 ($35,940)	N/A	N/A	N/A	2014 Lexus ES 300 ($42,957)
	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2016 Scion TC Automatic ($21,662)	2016 Scion TC Manual ($19,364)	N/A	N/A	N/A	N/A	N/A	N/A	2014 Scion tC ($20,909)

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