Q1 2022 Auto Financing Report

Consumer research and ratings firm J.D. Power has released its December 2021 auto sales forecast, and the trends look very negative for the industry, as new-vehicle retail sales were projected to have a 17.4% decrease compared to December 2020. However, record-high prices and profits have helped auto sellers mitigate some of that loss in sales.

Many consumers are wondering whether now is a good time to buy a car, but there are plenty of other important questions to ask during that process. 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.

Key Findings

• Interest rates for new cars are at one of their lowest points in the past three years. However, the average new-car loan now charges 14 percent less interest than the average used-car loan.
• Now is the time for people with excellent credit to buy used cars. The average interest rate for such buyers has fallen 24 percent since Q1 2019.
• Overall, buyers who have fair credit will end up spending about six times more to finance a vehicle than someone with excellent credit, which equates to $6,296 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 credit unions (30 percent below average) and car manufacturers (rates 27 percent below average). National banks (7 percent above average) and regional banks (23 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 4.4 out of 10. The most transparent manufacturers currently include Mini, BMW, Mercedes, Honda, Kia, Toyota, Nissan and Hyundai, but even they registered only a 6-point rating.
• Hyundai, Volvo, Honda, Acura, Lexus and Cadillac offer the lowest financing rates among the major car manufacturers surveyed by WalletHub. Infiniti, Volvo, Lexus, Cadillac, Chevrolet and Honda have the best leasing offers.

Who Offers the Best Rates?

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.

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

Excellent vs. Fair Credit Score

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.

Debt Levels over Time

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 improve, 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?

Ask the Experts

Shawn Tysiak
Associate Lecturer of Finance, John B. and Lillian E. Neff College of Business and Innovation – University of Toledo
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Gary D. Lemon
Ph.D. – Professor of Economics – DePauw University
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David M. Hart
MBA – Executive in Residence, Chesapeake Energy School of Business – Oklahoma Wesleyan University
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Kathleen Sindell
Ph.D. – Program Director, Finance and Economics Departments, CFP Program Director – University of Maryland Global Campus
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John J. Bethune
Ph.D. – Professor of Economics – Barton College
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Meagan McCollum
Ph.D. – Chapman Assistant Professor of Finance, Collins College of Business – University of Tulsa
Read More

Methodology

To conduct our analysis, we reviewed auto-financing offers from a sample of 148 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 12 “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 - Q1 2022	Car Price
	2022 Honda Accord LX	$32,737
	2022 Toyota Camry SE	$32,006
	2021 Volkswagen Jetta 1.4T S	$21,764
	2022 Chevrolet Malibu LT	$31,745
	2022 Hyundai Elantra SE	$23,890
	2022 Acura ILX	$31,885
	2022 Audi A4 40 Premium Sedan	$47,000
	2022 Infiniti Q50	$46,460
	2022 Lexus ES 350	$49,715
	2022 Volvo S60 B5 FWD	$41,030
	2022 Mercedes E350 4-Matic Sedan	$72,980
	2022 Cadillac CT5 Premium Luxury	$49,094

Car Manufacturer & Dealer Transparency
How 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 2013-2021

Note: Below data are based on a 36-month term.

	Q4 2021 (vs. last yr)	Q3 2021 (vs. last yr)	Q2 2021 (vs. last yr)	Q1 2021 (vs. last yr)	Q4 2020 (vs. last yr)	Q3 2020 (vs. last yr)	Q2 2020 (vs. last yr)	Q1 2020 (vs. last yr)	Q4 2019 (vs. last yr)	Q3 2019 (vs. last yr)	Q2 2019 (vs. last yr)	Q1 2019 (vs. last yr)	Q4 2018 (vs. last yr)	Q3 2018 (vs. last yr)	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	4.35% (-3.91%)	4.38% (-4.31%)	4.39% (3.96%)	4.52% (5.43%)	4.52% (5.43%)	4.57% (5.06%)	4.23% (-3.01%)	4.29% (-2.75%)	4.29% (-1.62%)	4.35% (3.59%)	4.36% (3.88%)	4.41% (12.50%)	4.36% (11.73%)	4.20% (9.36%)	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
Credit Unions – New Cars	2.54% (-4.13%)	2.59% (-7.55%)	2.60% (-8.29%)	2.63% (-18.24%)	2.65% (-17.13%)	2.80% (-16.85%)	2.84% (-16.81%)	3.22% (-4.94%)	3.20% (-4.08%)	3.36% (7.97%)	3.41% (11.06%)	3.39% (29.79%)	3.34% (30.64%)	3.12% (25.73%)	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	2.77% (-4.51%)	2.80% (-9.71%)	2.83% (-9.26%)	2.92% (-15.61%)	2.90% (-15.56%)	3.10% (-14.50%)	3.12% (-14.77%)	3.45% (-4.86%)	3.44% (-4.84%)	3.62% (7.07%)	3.66% (9.59%)	3.63% (26.68%)	3.61% (26.98%)	3.39% (24.14%)	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	4.56% (1.49%)	4.57% (-0.99%)	4.56% (3.15%)	4.59% (0.39%)	4.49% (-3.55%)	4.62% (3.09%)	4.42% (-1.31%)	4.57% (2.19%)	4.66% (2.57%)	4.48% (0.28%)	4.47% (0.18%)	4.47% (8.46%)	4.54% (11.36%)	4.47% (9.75%)	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% (-8.15%)	4.34% (-3.55%)	3.71% (-18.80%)	3.80% (-16.72%)	4.50% (-0.12%)	4.50% (N/A)	4.57% (N/A)	4.57% (N/A)	4.50% (N/A)
Community and Small Banks – Used Cars	5.45% (0.57%)	5.45% (-0.30%)	5.41% (3.01%)	5.52% (0.29%)	5.42% (-2.54%)	5.46% (3.68%)	5.26% (-0.85%)	5.50% (4.13%)	5.56% (2.48%)	5.27% (-2.37%)	5.30% (-1.78%)	5.29% (3.90%)	5.42% (4.89%)	5.40% (3.61%)	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% (-7.63%)	5.30% (-3.19%)	4.55% (-17.79%)	4.51% (-18.63%)	5.60% (11.81%)	5.48% (N/A)	5.53% (N/A)	5.54% (N/A)	5.01% (N/A)
Car Manufacturers – New Car Financing	2.48% (60.59%)	1.41% (11.31%)	1.70% (40.05%)	1.30% (-53.03%)	1.54% (-16.77%)	1.27% (-49.78%)	1.21% (-55.86%)	2.76% (-21.90%)	1.85% (-31.17%)	2.53% (0.78%)	2.75% (29.84%)	3.54% (89.24%)	2.69% (11.62%)	2.51% (44.05%)	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	7.48% (36.43%)	6.34% (3.98%)	5.61% (0.46%)	4.64% (-20.70%)	5.49% (-9.25%)	6.10% (1.49%)	5.58% (-3.73%)	5.85% (-1.51%)	6.04% (22.09%)	6.01% (6.99%)	5.80% (10.94%)	5.94% (15.79%)	4.95% (0.75%)	5.62% (27.68%)	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 - Q4 2021	Lease APR (inferred interest rate) - Q4 2021	Financing APR - Q3 2021	Lease APR (inferred interest rate) - Q3 2021	Financing APR - Q2 2021	Lease APR (inferred interest rate) - Q2 2021	Financing APR - Q1 2021	Lease APR (inferred interest rate) - Q1 2021	Financing APR - Q4 2020	Lease APR (inferred interest rate) - Q4 2020	Financing APR - Q3 2020	Lease APR (inferred interest rate) - Q3 2020	Financing APR - Q2 2020	Lease APR (inferred interest rate) - Q2 2020	Financing APR - Q1 2020	Lease APR (inferred interest rate) - Q1 2020	Financing APR - Q4 2019	Lease APR (inferred interest rate) - Q4 2019	Financing APR - Q3 2019	Lease APR (inferred interest rate) - Q3 2019	Financing APR - Q2 2019	Lease APR (inferred interest rate) - Q2 2019	Financing APR - Q1 2019	Lease APR (inferred interest rate) - Q1 2019	Financing APR - Q4 2018	Lease APR (inferred interest rate) - Q4 2018	Financing APR - Q3 2018	Lease APR (inferred interest rate) - Q3 2018	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	0.00%	7.99%	0.00%	6.32%	N/A	N/A	0.00%	2.94%	N/A	N/A	0.00%	6.29%	0.00%	6.65%	0.00%	7.27%	N/A	N/A	0.00%	7.74%	N/A	N/A	4.99%	4.31%	0.00%	2.63%	4.00%	5.25%	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	2.49%	5.45%	1.90%	5.41%	1.90%	3.68%	1.90%	7.11%	1.90%	4.00%	3.69%	6.79%	0.00%	6.24%	0.90%	3.31%	0.90%	5.30%	0.00%	5.64%	0.00%	3.66%	1.90%	2.85%	3.90%	2.90%	1.90%	2.95%	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	1.90%	8.78%	N/A	N/A	0.90%	2.70%	N/A	N/A	0.00%	6.15%	2.74%	4.78%	0.90%	3.10%	0.90%	8.13%	3.99%	6.93%	5.90%	7.12%	5.49%	3.56%	3.99%	3.26%	0.00%	5.88%	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	2.99%	6.85%	1.90%	5.85%	N/A	N/A	1.90%	4.85%	1.90%	4.36%	1.90%	6.84%	1.90%	7.81%	2.90%	8.04%	2.60%	8.55%	1.90%	7.57%	1.90%	7.92%	1.90%	6.03%	1.90%	7.93%	1.90%	7.31%	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	0.00%	5.43%	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	3.99%	4.63%	0.00%	2.54%	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	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	2.49%	9.39%	0.90%	6.46%	0.90%	3.52%	0.90%	4.52%	0.90%	2.16%	0.00%	2.17%	N/A	N/A	1.90%	5.31%	N/A	N/A	0.90%	5.85%	N/A	N/A	2.40%	6.70%	N/A	N/A	2.99%	5.38%	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	2.99%	5.12%	2.99%	5.81%	0.99%	3.90%	0.99%	6.51%	0.00%	6.80%	0.00%	3.02%	2.99%	4.84%	2.99%	4.78%	N/A	N/A	N/A	N/A	4.00%	4.95%	N/A	N/A	3.59%	6.83%	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	N/A	N/A	N/A	N/A	1.90%	4.51%	N/A	N/A	3.90%	5.58%	1.90%	5.37%	N/A	N/A	N/A	N/A	4.60%	7.44%	N/A	N/A	0.00%	2.06%	N/A	N/A	0.00%	7.93%	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%	8.77%	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	5.44%	N/A	N/A	3.90%	3.66%	0.00%	5.08%	0.00%	7.93%	3.24%	8.32%	N/A	N/A	N/A	N/A	0.00%	4.33%	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	1.90%	3.24%	N/A	N/A	1.90%	4.19%	2.90%	7.58%	1.90%	5.24%	1.90%	7.49%	2.99%	7.23%	N/A	N/A	2.99%	6.21%	3.99%	7.01%	3.89%	7.14%	N/A	N/A	5.59%	5.25%	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	N/A	N/A	0.00%	5.58%	N/A	N/A	1.90%	3.13%	N/A	N/A	2.90%	8.17%	0.00%	4.72%	1.90%	3.87%	N/A	N/A	1.90%	6.86%	3.90%	5.10%	5.00%	5.18%	3.99%	4.07%	1.90%	4.57%	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	0.00%	7.26%	0.00%	6.79%	0.00%	8.99%	0.00%	7.88%	0.00%	4.92%	N/A	N/A	3.99%	5.91%	2.40%	5.97%	4.24%	2.93%	N/A	N/A	5.29%	4.31%	N/A	N/A	0.00%	3.00%	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	2.99%	7.35%	N/A	N/A	N/A	N/A	2.49%	4.03%	1.49%	3.16%	1.00%	2.66%	0.00%	4.25%	3.49%	6.23%	1.99%	6.73%	6.00%	4.02%	N/A	N/A	4.99%	3.09%	5.79%	7.27%	4.99%	5.34%	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	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	3.31%	N/A	N/A	4.40%	6.19%	3.99%	5.68%	N/A	N/A	N/A	N/A	4.99%	9.48%	3.99%	7.92%	3.99%	7.97%	3.55%	6.35%	7.49%	6.49%	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	N/A	N/A	1.90%	5.07%	N/A	N/A	0.90%	4.06%	N/A	N/A	0.00%	3.76%	N/A	N/A	2.99%	3.65%	0.90%	3.91%	0.00%	3.78%	N/A	N/A	3.49%	7.64%	0.00%	3.37%	0.00%	2.79%	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	N/A	N/A	2.20%	6.77%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	4.00%	6.03%	N/A	N/A	4.90%	6.81%	N/A	N/A	4.00%	8.39%	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	N/A	N/A	N/A	N/A	1.99%	3.86%	2.99%	7.05%	N/A	N/A	1.99%	4.53%	N/A	N/A	3.49%	9.79%	N/A	N/A	N/A	N/A	N/A	N/A	5.19%	8.40%	N/A	N/A	3.99%	5.01%	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	N/A	N/A	0.90%	7.61%	N/A	N/A	0.99%	5.55%	1.90%	7.78%	0.90%	8.75%	N/A	N/A	3.49%	7.03%	N/A	N/A	4.49%	7.13%	N/A	N/A	2.90%	7.78%	N/A	N/A	1.90%	7.81%	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	N/A	N/A	N/A	N/A	0.90%	3.19%	N/A	N/A	1.89%	8.10%	N/A	N/A	N/A	N/A	N/A	N/A	3.29%	5.24%	3.99%	2.71%	N/A	N/A	N/A	N/A	N/A	N/A	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	2.90%	6.76%	1.90%	8.80%	0.90%	4.73%	N/A	N/A	0.00%	6.06%	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	6.26%	N/A	N/A	5.00%	6.52%	1.90%	2.59%	3.99%	7.21%	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	N/A	N/A	3.99%	7.50%	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	8.76%	N/A	N/A	N/A	N/A	N/A	N/A	0.00%	6.43%	0.00%	4.27%	0.00%	9.85%	N/A	N/A	0.00%	6.05%	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	3.90%	7.86%	N/A	N/A	N/A	N/A	1.90%	4.80%	1.90%	5.93%	0.90%	8.81%	0.90%	5.40%	4.39%	7.36%	2.90%	3.80%	3.24%	2.13%	3.29%	7.21%	1.90%	7.78%	1.90%	9.14%	1.90%	4.57%	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	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	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	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	3.99%	7.05%	2.95%	8.19%	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%	3.15%	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	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	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	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	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	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

Historical Manufacturers Transparency Score

Manufacturer	Transp. Score - Q4 2021	Transp. Score - Q3 2021	Transp. Score - Q2 2021	Transp. Score - Q1 2021	Transp. Score - Q4 2020	Transp. Score - Q3 2020	Transp. Score - Q2 2020	Transp. Score - Q1 2020	Transp. Score - Q4 2019	Transp. Score - Q3 2019	Transp. Score - Q2 2019	Transp. Score - Q1 2019	Transp. Score - Q4 2018	Transp. Score - Q3 2018	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	5	5	5	5	5	5	5	5	5	5	5	5	5	5	6	6	6	6	6	6	6	6	6	6	6
Infiniti	5	5	5	5	5	5	5	5	6	5	5	6	6	3	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	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	6	6	6	6	6	6	6	6	6	6	6	6	6	6	3
Acura	5	5	5	5	5	5	5	5	5	5	5	5	5	5	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	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	6	6	N/A
Honda	6	6	6	6	6	5	5	5	5	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6	3	3
Volkswagen	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	6	6	6	6	6	6	6	6	6	6	6	6	3	3
Kia	6	6	6	6	6	6	6	6	6	6	3	3	3	3	3	3	3	6	6	6	6	6	6	6	6	6	6	3	3
Toyota	6	6	6	6	6	6	5	6	6	6	6	6	6	6	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	6	6	6	6	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	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	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Audi	3	6	6	6	6	6	6	3	6	6	6	6	5	6	6	6	6	3	6	6	6	6	6	3	3	3	3	3	3
Volvo	2	2	2	2	2	2	2	2	2	2	2	2	2	2	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	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	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	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	3	N/A	3
Cadillac	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	2	2	2	2	2	2	2	2	2	3	3	3	N/A	N/A
Chevrolet	3	3	3	3	3	3	3	3	3	3	3	3	3	3	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	3	3	3	3	3	3	3	3	3	3	3	3	3	3	1	1	3
Hyundai	6	6	6	6	6	6	6	6	6	6	6	6	6	6	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	5	5	5	5	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 - Q4 2021	Car Model - Q3 2021	Car Model - Q2 2021	Car Model - Q1 2021	Car Model - Q4 2020	Car Model - Q3 2020	Car Model - Q2 2020	Car Model - Q1 2020	Car Model - Q4 2019	Car Model - Q3 2019	Car Model - Q2 2019	Car Model - Q1 2019	Car Model - Q4 2018	Car Model - Q3 2018	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
	2022 Honda Accord Sport ($31,340)	2021 Honda Accord Sport 1.5T Sedan ($32,737)	N/A	2021 Honda Accord LX ($24,163)	2021 Honda Accord LX ($24,050)	2020 Honda Accord LX ($20,910)	2020 Honda Accord LX ($21,412)	2020 Honda Accord LX ($23,800)	2020 Honda Accord LX ($22,499)	2019 Honda Accord LX ($20,516)	2019 Honda Accord LX ($21,695)	2019 Honda Accord LX ($22,115)	2019 Honda Accord LX ($22,995)	2018 Honda Accord Sedan LX ($22,116)	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)
	2022 Toyota Camry SE ($28,446)	2021 Toyota Camry SE ($28,026)	2021 Toyota Camry SE ($29,185)	2021 Toyota Camry SE ($23,487)	2021 Toyota Camry SE ($23,175)	2020 Toyota Camry SE ($24,935)	2020 Toyota Camry SE ($27,529)	2020 Toyota Camry SE ($26,030)	2020 Toyota Camry SE ($25,500)	2019 Toyota Camry SE ($27,568)	2019 Toyota Camry SE ($27,861)	2019 Toyota Camry SE ($23,683)	2019 Toyota Camry SE ($26,200)	2018 Toyota Camry SE FWD ($25,823)	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)
	N/A	2021 Volkswagen Jetta 1.4T S ($21,430)	N/A	2021 Volkswagen Jetta 1.4T S ($17,860)	N/A	2020 Volkswagen Jetta 1.4T S ($17,650)	2020 Volkswagen Jetta 1.4T S ($19,119)	2019 Volkswagen Jetta 1.4T S ($17,827)	N/A	2019 Volkswagen Jetta 1.4T S ($18,975)	2019 Volkswagen Jetta 1.4T S ($18,500)	2019 Volkswagen Jetta 1.4T S ($19,348)	2019 Volkswagen Jetta 1.4T S ($17,500)	2019 Volkswagen Jetta 1.4T S ($18,461)	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<)/td>	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)
	N/A	N/A	N/A	2021 Chevrolet Malibu LT ($27,000)	N/A	2020 Chevrolet Malibu LT ($26,740)	2020 Chevrolet Malibu LT ($26,398)	N/A	N/A	2019 Chevrolet Cruze LS ($20,581)	2019 Chevrolet Cruze LS ($19,700)	2019 Chevrolet Cruze LS ($19,995)	2019 Chevrolet Cruze LS ($19,615)	2018 Chevrolet Cruze Sedan LS Automatic ($20,465)	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	2021 BMW 330i ($51,610)	N/A	2021 BMW 330i ($47,795)	2021 BMW 330i ($38,864)	2020 BMW 330i ($41,045)	2020 BMW 330i ($39,045)	2020 BMW 330i ($43,175)	N/A	2019 BMW 330i ($44,410)	2019 BMW 330i ($44,997)	2018 BMW 320i ($32,990)	N/A	2018 BMW 3 Series - 320i Sedan ($32,590)	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)
	2022 Nissan Altima 2.5 S ($26,030)	2021 Nissan Altima 2.5 S ($30,792)	N/A	2021 Nissan Altima S ($23,576)	N/A	2020 Nissan Altima S ($19,660)	2020 Nissan Altima S ($21,525)	2020 Nissan Altima S ($20,750)	N/A	2019 Nissan Altima S ($20,608)	N/A	2019 Nissan Altima S ($21,755)	2019 Nissan Altima 2.5 S ($22,999)	2018 Nissan Altima S ($22,500)	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	2021 Hyundai Elantra SE ($20,950)	2021 Hyundai Elantra SE ($23,015)	2021 Hyundai Elantra SE ($22,642)	N/A	2020 Hyundai Elantra SE ($26,740)	N/A	N/A	N/A	2019 Hyundai Elantra SE ($18,312)	N/A	2019 Hyundai Elantra SE ($15,800)	2019 Hyundai Elantra SE ($18,270)	2018 Hyundai Elantra SE Automatic ($15,245)	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	N/A	N/A	2021 Kia K5 LXS ($25,381)	N/A	2020 Kia Optima LX ($25,331)	2020 Kia Optima LX ($22,285)	N/A	N/A	2019 Kia Optima LX ($21,542)	N/A	2019 Kia Optima LX ($24,500)	N/A	2018 Kia Optima LX ($19,897)	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	2021 Chrysler 300 S ($45,833)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2019 Chrysler 300 Touring ($32,010)	2019 Chrysler 300 Touring ($30,609)	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	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	2021 Mazda3 Sedan ($24,615)	N/A	2021 Mazda3 Sedan ($20,000)	N/A	2020 Mazda3 Sedan ($18,680)	2020 Mazda3 Sedan ($25,270)	2020 Mazda3 Sedan ($21,034)	2020 Mazda3 Sedan ($18,950)	2019 Mazda3 Sedan ($21,720)	2019 Mazda3 Sedan ($20,331)	2019 Mazda CX-3 AWD ($22,875)	2019 Mazda CX-3 Touring ($22,700)	2018 Mazda3 Sport 4D Sedan ($17,010)	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)
	2022 Acura ILX ($28,045)	N/A	N/A	2021 Acura ILX ($23,900)	2021 Acura ILX ($25,395)	2020 Acura ILX ($24,048)	2020 Acura ILX ($26,925)	2020 Acura ILX ($24,388)	2020 Acura ILX ($25,870)	2019 Acura ILX ($27,990)	2019 Acura ILX ($23,847)	2019 Acura ILX ($23,145)	2019 Acura ILX ($25,777)	2018 Acura ILX ($24,070)	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)
	N/A	2022 Subaru Outback 2.5i ($32,060)	N/A	2021 Subaru Outback 2.5i ($35,771)	N/A	2020 Subaru Outback 2.5i ($29,959)	N/A	2020 Subaru Outback 2.5i ($37,399)	2020 Subaru Outback 2.5i ($34,995)	2019 Subaru Outback 2.5i ($25,900)	N/A	2019 Subaru Crosstrek ($22,713)	2019 Subaru Outback 2.5i ($24,995)	2018 Subaru Outback 2.5i ($25,225)	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	N/A	N/A	N/A	N/A	2020 Ford Fusion SE FWD ($25,204)	N/A	2020 Ford Fusion SE FWD ($21,519)	2020 Ford Fusion SE FWD ($24,900)	N/A	2019 Ford Fusion SE FWD ($22,223)	N/A	N/A	2018 Ford Fusion SE FWD ($22,987)	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)
	N/A	2021 Dodge Charger SXT ($37,345)	N/A	N/A	N/A	2020 Dodge Charger SXT ($32,785)	N/A	N/A	N/A	2019 Dodge Charger SXT ($28,000)	N/A	2019 Dodge Charger SXT ($30,390)	N/A	2018 Dodge Charger SXT RWD ($33,320)	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)
	2022 Audi A4 40 Premium Sedan ($44,610)	N/A	N/A	2021 Audi A4 2.0T Premium Sedan ($41,124)	2021 Audi A4 2.0T Premium Sedan ($39,620)	2020 Audi A4 2.0T Premium Sedan ($38,399)	2020 Audi A4 2.0T Premium Sedan ($34,589)	2020 Audi A4 2.0T Premium Sedan ($34,128)	2019 Audi A4 2.0T Premium Sedan ($34,950)	2019 Audi A4 2.0T Premium Sedan ($39,090)	N/A	2019 Audi A4 2.0T Premium Sedan ($39,200)	2019 Audi A4 2.0T Premium Sedan ($37,577)	2018 Audi A4 2.0T Ultra Premium Sedan ($36,550)	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	N/A	2021 Infiniti Q50 ($34,995)	2021 Infiniti Q50 ($33,120)	2021 Infiniti Q50 ($32,769)	2020 Infiniti Q50 ($34,833)	N/A	2020 Infiniti Q50 ($36,923)	2020 Infiniti Q50 ($33,040)	2019 Infiniti Q50 ($43,350)	N/A	2019 Infiniti Q50 ($36,070)	N/A	2018 Infiniti Q50 3.0 ($28,190)	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)
	N/A	2021 Mini Cooper Hardtop ($28,110)	N/A	2021 Mini Cooper Hardtop ($25,950)	2021 Mini Cooper Hardtop ($29,500)	2020 Mini Cooper Hardtop ($30,275)	N/A	2020 Mini Cooper Hardtop ($27,480)	N/A	2019 Mini Cooper Hardtop ($24,160)	N/A	2019 Mini Cooper Hardtop ($25,805)	N/A	2018 Mini Cooper Hardtop ($23,895)	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	2021 Volvo S60 T5 ($46,490)	2021 Volvo S60 T5 ($41,500)	2021 Volvo S60 T5 ($32,500)	2021 Volvo S60 T5 ($39,955)	2020 Volvo S60 T5 ($34,207)	2020 Volvo S60 T5 ($33,462)	2020 Volvo S60 T5 ($31,928)	2020 Volvo S60 T5 ($33,225)	N/A	N/A	2019 Volvo S60 T5 ($42,000)	N/A	2018 Volvo S60 T5 FWD ($30,300)	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	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	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	N/A	N/A	N/A	N/A	N/A	N/A	2020 Jaguar XF 2.0T Premium ($44,501)	2020 Jaguar XF 2.0T Premium ($44,895)	N/A	N/A	N/A	N/A	N/A	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	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	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
	N/A	N/A	2021 Mercedes-Benz E350 ($61,385)	2021 Mercedes-Benz E350 ($57,991)	N/A	2020 Mercedes-Benz E350 ($59,535)	N/A	2020 Mercedes-Benz E350 ($58,880)	N/A	N/A	N/A	2019 Mercedes-Benz E300 ($56,615)	N/A	2018 Mercedes-Benz E300 ($52,501)	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	N/A	N/A	2021 Cadillac CTS Sedan ($47,355)	N/A	2020 Cadillac CTS Sedan ($32,000)	N/A	N/A	N/A	2019 Cadillac CTS Sedan ($48,345)	2019 Cadillac CTS Sedan ($45,240)	N/A	N/A	N/A	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	N/A	2021 Buick Encore GX ($25,645)	N/A	N/A	N/A	N/A	N/A	N/A	2019 Buick Lacrosse ($39,280)	N/A	2019 Buick Lacrosse ($35,988)	N/A	2019 Buick Lacrosse FWD Avenir ($45,648)	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)
	2022 Lexus ES 350 ($47,180)	N/A	2021 Lexus ES 350 ($47,180)	2021 Lexus ES 350 ($34,350)	2021 Lexus ES 350 ($43,574)	2020 Lexus ES 350 ($40,832)	N/A	2020 Lexus ES 350 ($34,651)	N/A	2019 Lexus ES 350 ($43,392)	N/A	2019 Lexus ES 350 ($38,356)	N/A	2018 Lexus ES 350 ($33,032)	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	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	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)