This is a Just the Facts (JTF) post: generated by AI from my own raw material (voice memos, session notes) and a short outline I wrote, then checked by me. What's a JTF?
Shira's Acura RDX lease was winding down. We wanted to lease something that wasn't an Acura, and we wanted to get out of the Acura in the way that worked best for us. We ended up with a Hyundai Santa Fe. It was our first car deal in the age of agentic AI. Here's what helped, where the AI went wrong, and what actually got the deal done.
Huge Win: LeaseHackr's Rate Findr
- Rate Findr on LeaseHackr is like X-ray vision for leasing. It shows the lease program numbers that dealers don't publish: money factor, residual and lease cash.
- It isn't AI. It's reliable data that the AI can use. Without real numbers Claude guesses, and those guesses can get you in trouble.
- Lease terms are set for the whole program, so they're the same at every dealer. In theory you could work out the lease deal by comparing offers from different dealers.
- LeaseHackr makes that much simpler. Because you can see which lease programs are being offered, you don't have to depend on dealers. You can compare your leasing options ahead of time instead of trying to work them out on the fly.
- Rate Findr also shows how each deal is put together. One model may have a lower interest rate. Another may have a higher rate but come with lease cash, which lowers the cap cost.
- Access works a little oddly: you join the forum and make a monthly donation, which you can cancel anytime. That's a small price for what you get.
- If you lease, you need this tool.
Where AI Helped
- It taught me. None of the explanations of Money Factor or Capitalized Cost I found made sense to me. Claude patiently let me dig into these topics until I understood them.
- It compared scenarios in seconds.
- Which lease program was best? The 2026 or the 2027 Santa Fe? Gas or hybrid? A lower interest rate, or a higher rate with more lease cash?
- Claude put all of this into one table I could actually compare.
- Gas beat hybrid, because the hybrid's higher MSRP and smaller (or no) lease cash outweighed its better residual. The 2026 and 2027 gas models came out about even.
- Claude's take on the Acura MDX deal was especially helpful. The low interest rate made it look like a no-brainer. But Claude factored in the MDX's low residual value and showed me that what looked like a great deal wasn't.
- It mapped the market. Claude could go through sites like cars.com and quickly map the range of discounts on a make and model. That gave us a yardstick. Some dealers were selling at MSRP, and the good deals were around $3,500 off. So when a dealer beat that, we knew we had the winner.
- It pushed back on ideas that seemed sensible to me but were dead ends:
- Why not buy out the Acura and sell it to any dealer? Because then we'd pay sales tax on the buyout. It's better to stick with Acura or Honda dealers, who can buy the car straight from the lease so it isn't really a sale on our end. Honda also blocks third-party buyouts, so places like Carvana and CarMax couldn't buy it anyway.
- Why not email every Acura and Honda dealer within 90 miles and take the best offer? Dealers don't reliably answer cold emails, many don't have a public email address, and I was way overcomplicating this. Call 3 nearby dealers and you're done.
Where the AI Failed Me
When it misread something, had incomplete information, or made a bad assumption, it gave me bad advice that sounded confident:
- The CX-90 PHEV "giveaway." The AI was convinced Mazda was practically giving away the CX-90 PHEV. It wasn't. The AI had read two separate lease options, one with a low interest rate and one with lease cash, as one very generous deal.
- The "inflated" cap cost. The AI was sure a dealer's quote had quietly inflated the cap cost. Not so. Claude had "forgotten" that Virginia makes you pay sales tax on the full car up front, and that tax is part of the cap cost. Once I had the real numbers, I could see how the dealer got there, and it was legitimate.
- The ad that wasn't a lease offer. It saw an ad on a cars.com page and concluded the dealer was running a very low interest rate lease offer. The ad wasn't a lease offer, so everything the AI built on that assumption was wrong.
Taming AI
- Keep asking. Say "I don't get it, let's discuss" until either (a) you understand it, or (b) the AI admits it was wrong all along.
- Have it explain things back. Don't tell it what the lease says. Have it read the lease and tell you, then check that it sees what you see.
- Build tools. I wrote
leaseassistto pull lease deals from LeaseHackr and put them in a consistent format, so the AI didn't have to keep re-parsing them. The scraper behind it isratefindr.js.
What Got It Done: Hustle
- AI gave us the information to recognize a good deal.
- Texting, calling and visiting dealers is what actually got the deal done.
- Leasing the new car: We got a great price on a car in the wrong color. It was silver, and Shira wanted blue. Shira kept shopping until she found a dealer who had the color she wanted and would match the deal.
- Selling the Acura: It took visits to more than one dealer. I eventually got a good offer, and then found another dealer who wanted the car badly enough to make an even better one. A Honda dealer bought our Acura lease, so the cross-brand buyout really does work.
Resources
Behind This Post
The outline I wrote
- The setup:
- Shira's Acura RDX lease was winding down
- We wanted to lease a new car that wasn't an Acura
- We wanted to wind down the Acura in the most beneficial way possible
- This is our first car purchase in the age of agentic AI
- Huge Win: LeaseHackr's Rate Findr
- This is like X-Ray visions for Lease
- This isn't AI, but it's reliable data the AI can use
- Leasing terms are program wide, so in theory, you can derive lease
deals by cross-checking dealer offfers
- LeaseHackr dramatically simplifies this: by being able to see what
lease programs are beign offered, you don't need to rely on
dealers and pre-game different leasing options versus trying to
figure them out on the fly.
- If you lease, then you *need* this tool
- Where AI Helped
- It was able educate me: no one description of Money Factor or
Realized Captilized Costs made sense. But, Claude patiently let me
explore these topics until I understood them.
- AI could sift through various scenarios and determine
which was the best in a few seconds.
- Which was the best lease program? The 2026 or 2027 Santa Fe?
What about Gas or Hybrid? What about a lower interest rate vs
higher interesate rate and a bigger discount?
- Claude could put a table in front of me normalizing this
- The clarification on the Acura MDX deal was especially helpful:
the low interest rate made it seem like a no-brainer. But,
Claude factored in the low residual value and showed me how what
looked like a great deal, wasn't.
- AI could crawl through sites like cars.com and quickly map the
range of discounts on a make and model. That gave us a yardstick:
some dealers were selling at MSRP, the good deals were around
$3,500 off. So when a dealer beat that, we knew we had the winner.
- The AI could push back on ideas tht made sense to me, but were in
fact, dead ends:
- Why don't we buy our Acura and then sell it to any old dealer?
Doing so causes you to pay sales tax; best to limit to Acura or
Honda dealers, then it's not a real sale.
- Why not email all dealers in the area within 90 miles to see who
wants our car, then take the best offer? Dealers don't relaibly
answer cold emails; many dealers don't have a public email; and
you're way overcomplicating this. Call 3 nearby dealers and
you're done.
- Where the AI failed me: with misread, incomplete or bad
assumptionns, it gave me conflidently sounding bad advice:
- The AI was convinced they were practically giving away the CX-90
PHEV. Nope: it read two lease variations, the first with low
interest rate, and the second with lease cash, as being one
super generous deal.
- The AI was certain a dealer's quote had sneakily inflated the Cap
Cost. Nope, Claude 'forgot' that VA requires paying sales tax on
the full car up front and that's part of the cap cost it hadn't
considered.
- It saw an ad on cars.com page and derived fromn there that the
dealer was running a super-low interest rate lease offer. That
wasn't a lease offer, so the assumptions that flowed from this
were all wrong.
- Taming AI:
- Keep asking: "I don't get, let's discuss" until either (a) you get
it, or (b) the AI reveals it was wrong all along.
- Build tools: I created `leaseassist` to pull back and normalize
lease deals from leasehackr so the AI wouldn't need to keep
re-parsing it.
- What got it done: Hustle
- AI armed us with information to know what a good deal looked like
- But, texting, talking and visiting dealers is what actually got
the deal done
- On the lease of the new car: we got a great price on the wrong color car. Shira
shopped around until she found a dealer who had the color she
wanted and matched the deal
- On the sale of the Acura: it took taking it to multiple dealers, but
ultimately, I got a good offer and then found another dealer who
wanted the car so badly, that they gave me an even better offer



























































