The four numbers under the monthly.
The desk quotes a lease as one number (the monthly) and keeps the four it was computed from. This page reads them first, for any VIN: money factor, residual, cap cost, term, each line named, each slot posted or worded, never invented. Free. No account.
An agent desking a lease for you reads this same sheet: what it brings back is the structure you are reading now.
JM3KFBXY1S0597748
2025 Mazda CX-5
- Cap costThe price of the car, by another name: the lease’s “agreed price,” and just as negotiable · yoursPosts live
- Residualvalues.vin/JM3KFBXY1S0597748 · the bank’s claim about the car’s value at term’s end: a percentage of MSRP, set by the captive or bank, read against the five value bands · bank-setPosts live
- Money factorThe rate, in disguise: the markup over the buy rate lives here · bank-set base · markup negotiablefactor × 2,400 = APR
- Term & mileageMonths and miles: the frame the other three numbers are true inside; per-mile overage posts as its own line, never rolled up · yoursMonths · miles
Depreciation (cap cost − residual, over the term) + rent charge ((cap cost + residual) × money factor) + tax
- The arithmeticmonthly = depreciation + rent charge + taxAPR-equivalent = money factor × 2,400
- This sheetlease.vin fee: $0 · every VIN, every visit · no account
Figures render live at the address. This page states structure, not quotes: a slot without a papered figure says so in words, never an invented number. Every term in the sum is one of the four numbers.
Paste. Read. Carry.
The structure, before the desk quotes a monthly.
Three steps, one address.
- 01
Paste the VIN
The sheet lives at lease.vin/{VIN}: the address is the product. Anonymous, free, no account.
- 02
Read the four numbers
Each line named, posted or worded. The money factor is spoken twice (as the decimal the desk uses and as its APR-equivalent, × 2,400), so the cost of money is stated in a unit you already know. The residual reads against the five value bands at values.vin, free.
- 03
Carry the structure
The funded product (lease, loan, or the buyout at term’s end) is financing.vin’s act, on its own posted terms. The hand-off is one link and the four numbers travel with it. You are one step from the desk with the desk’s own numbers.
- Postedlease.vin fee: $0 · every VIN, every visit · no account
- Free firstThe free faces of the record lead: the values bands, the factory spec, the live listings, the window sticker. The full history is the deepening step, priced at its own address, never the front door.
- AgentsThe same sheet as typed JSON at the same address, via Accept negotiation.
Two of the four move.
Each line on the sheet says which kind it is.
The negotiation happens on the lines that move, in the open, with the arithmetic in view.
The lines that move
Negotiated in the open, exactly like a purchase
The cap cost is a purchase price wearing a different name: everything you know about negotiating a price applies, and the desk hopes you don’t know that. The markup inside the money factor is where the desk’s margin on money lives; the base rate is the bank’s, the markup is the conversation.
Cap cost · factor markup: both post live
The lines that don’t
Bank-set, sourced, fixed for the term
The residual comes from a residual guide and does not move: a high residual lowers the monthly and raises the buyout, and the sheet posts both faces of that trade. The base rate is set by the captive or bank; the term and mileage are yours to choose, then fixed.
Residual · base factor: bank-set, posted
Questions with posted answers.
Why is the money factor not a dollar slot?
Because it is a rate, not a price. It posts as a decimal and as its APR-equivalent (× 2,400), so the cost of money is stated in the unit the loan side already uses: the sheet performs the multiplication so the desk doesn’t have to be asked to.
Can I negotiate a lease?
Two of the four numbers move: the cap cost, exactly as a purchase price moves, and the markup inside the money factor. The residual and the base rate are bank-set. Each line on the sheet says which kind it is.
Where do the numbers come from?
The slots fill only from papered figures: a posted residual, a posted factor, your entered cap cost. A slot with no papered figure says so in words. The value bands the residual is read against are free at values.vin.
Is the buyout handled here?
No. A lease buyout is a financing act and financing.vin carries it: the residual on this sheet is the number that buyout starts from. No application is taken here, no credit is pulled here, no lease is originated here.
What does it cost?
The sheet posts its own price like every other number: lease.vin fee: $0. Every VIN, every visit, no account.
The structure carries.
The four numbers are not the deal: they are what the deal is computed from. The other addresses read the same seventeen characters.
- Know the car: the free faces first
- values.vinThe residual is a claim about future value: five bands for any VIN, with the comps behind them, free
- taxes.vinTax rides the monthly in most states: the out-the-door sheet states the rule per state
- Do the deal
- financing.vinThe funded product: lease, loan, or the buyout at term’s end, desked on its own posted terms
- commerce.vinEvery act on the VIN posts to one deal record at the anchor
The free faces: values.vin · specs.vin · listings.vin · sticker.vin, read free before any paid report; the record deepens at vhr.vin when the deal needs it.
For the agent you send.
The agent reads the same record you do.
Same two routes, three representations: the numbers never differ between them.
- Motionsb2h2aThe human appears once, where the act is legally load-bearing; then the agent resumes
- Machine surfaces/llms.txt/icp.json/.well-known/agents.json
- One MCP serverapis.vin/mcp serves the whole platform: every door’s tools in one server, each result carrying its door’s URL.
- AttributionX-Client-Type: html | md | json | mcp names which reader arrived; it never changes the record.
- The gateNo gate on this door's two routes: keyless reads, no account. Gated actions elsewhere return a typed OFFER or a NEEDS_HUMAN handoff, never a dead end.