Run a residual check
Compare the captive's quoted residual against current market resale data — about 30 seconds.
Try one:
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Captive residual—
Market reality—
The gap—
Updates as you fill the form. Run the check for comp-backed numbers.
Why the residual matters+
The residual is the value the captive guarantees at lease end. You only pay the depreciation between selling price and residual — so a residual set above market means the captive is absorbing depreciation for you.
How incentivized leasing works+
Captives boost residuals to move inventory or compete. If the program says 56% but comparable used units imply 50%, the captive is quietly paying ~6% of MSRP on your behalf.
What the comps are+
Sold and listed vehicles of the same model, model year (lease end minus term), and lease-end mileage ±1,500 mi — every one shown with VIN, mileage, and price.
Captive
—Gap
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