Offer with an upfront payment
How does the upfront payment change the leasing factor?
The standard leasing factor uses only the monthly payment and leaves out any upfront amount. For comparison, spread that amount across the term and add it to the payment.
Upload the offer and check both factors
We take the list price, payment, upfront amount and term from the document. You see the standard factor next to the figure including the upfront payment.
- List price and payment
- Upfront amount and term
- Both factors
The original is deleted after analysis. Only redacted offer facts and evidence snippets are retained, never a document copy. How we process your document.
Your result uses the figures in your offer, not the numbers in the example.
Two factors, two different answers
The leasing factor describes the advertised payment only. The total-cost factor shows what this offer looks like after the upfront payment.
- Leasing factorA €289 monthly payment divided by the €42,900 gross list price gives 0.67%. The upfront payment is not included.
- Upfront payment per monthA €4,500 upfront payment over 36 months adds €125 to the monthly amount.
- Total-cost factorThe resulting €414 equals 0.97% of list price. Use this figure to compare offers with a similar structure.
Original deleted after analysis
We use your PDF or images only to extract the offer details, then delete the file. A private version history is saved only when you actively create a negotiation case. Aggregated insights use coded changes only and can be disabled in the case at any time.
Assessment before partner offers
We calculate the costs and review the contract before any partner offers appear. Commission changes neither your result nor its assessment. If no genuinely comparable offer is available, we show none.
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