One gave us a monthly payment as low as $148. When leasing a car, the only way you will know for sure what your exact monthly payment will be is to sit down with a dealer or leasing broker and have it calculated. We’ve assembled some tips for grading a lease deal to help you wade through that process. A lot of people who lease new cars focus only on the monthly payment and don’t take the total cost into account. Say you’re looking at two lease deals on similar cars. Car A has a 36-month lease with monthly payments of $200 and $1,500 down. Car B has a 36-month lease with monthly payments of $185 and $3,000 down. The “money factor” is sometimes used by car dealerships to calculate the monthly interest owed. When determining your monthly lease payment, it is important to consider the impact of interest and add it to the vehicle’s depreciation value. The formula used by dealerships to calculate the interest owed each month is as follows:

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