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: money factor, residual, cap cost, term — each line named, each slot posted or dashed, never invented — for any VIN. 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.
A VIN is 17 characters and never uses I, O, or Q.
7MMVABDM3RN163785
2024 Mazda CX-50
- 01Cap costthe price of the car, by another name — the lease’s “agreed price,” and just as negotiable · yoursposts live
- 02Residualvalues.vin/
7MMVABDM3RN163785the 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 - 03Money factorthe rate, in disguise — the markup over the buy rate lives here · bank-set base · markup negotiablefactor × 2,400 = APR
- 04Term & 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
Figures render live at the address. This page states structure, not quotes — a slot without a papered figure posts a dash, never an invented number.
lease.vin fee: $0 · every VIN, every visit · no account
the arithmeticmonthly = depreciation + rent charge + taxAPR-equivalent = money factor × 2,400— 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.
- 01Paste the VINThe sheet lives at lease.vin/{VIN} — the address is the product. Anonymous, free, no account; the same address answers for leases.vin.
- 02Read the four numbersEach line named, posted or dashed. 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.
- 03Carry the structureThe 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.
Two of the four move.
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
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.
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 posts a dash. 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.
answers forleasesserves this address — 301, one door
the free facesvalues.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.
motions: B2H2A
- B2H2A — the human appears once, where the act is legally load-bearing — then the agent resumes
curl https://lease.vin/ -H 'accept: text/markdown' → the markdown twin of this page
curl https://lease.vin/{VIN} -H 'accept: application/json' → the record as typed evidence objects
curl https://lease.vin/{VIN} -H 'accept: text/markdown' → the record's markdown twinMachine surfaces on this host: /llms.txt · /icp.json · /.well-known/agents.json · one estate MCP server — apis.vin/mcp (every door a lens; tool results carry the door URL).
Attribution: X-Client-Type: html | md | json | mcp — read for agent-led demand attribution; it never changes the record.
No gate on this door's two routes — keyless reads, no account. Gated actions elsewhere on the estate return a typed OFFER (posted price · hard ceiling) or a NEEDS_HUMAN handoff, never a dead end.