My Take: Residual values are bit low for my taste, but the money factor is pretty decent, sitting at just around 2% APR. I didn’t bother posting the 48-month terms because the money factor jumps to .00265, so that’s a big no-no in my book.

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2009 Lexus ES350

2009 Lexus ES350
24-month | 15k miles | residual 54% | .00085 base money factor
36-month | 15k miles | residual 47% | .00085 base money factor

2009 Lexus ES350 w/ Ultra Luxury
24-month | 15k miles | residual 52% | .00085 base money factor
36-month | 15k miles | residual 45% | .00085 base money factor