Here's my situation:
-I'm 6 months away from turning in my '01 A4 2.8Q
-BUT I've only got 2k miles left to remain within my 48k miles allowance (and pay $.15/excess mile)
-if I turn the car in now (early) I'll be about $4k upside down
OK, what to do?
-I love the 3.0 Cab
-dealer says there's no "loyalty" incentives, no factory rebates, no nothing on Cab's!
-dealer will "discount" the car $2k, but the interest rate (balloon finance) is 6.5%! dealer claims 6.5% is the rate set by Audi for Cab's
-plus he wants $2k downpayment
-bottom line... turn in my car early, pay a $2k downpayment, they roll my A4's $4k neg. equity into the new financing, and the payment is OVER $800/mo.!!!

Are any of the dealer's numbers realistic or am I getting screwed? Or should I just take a loss on my '01 A4 and consider a different car? (btw, I'm in Houston)

I leased mine for 2 years, paid 1K over invoice, and my money factor was .00180......468/mo 18K miles per year, 6K down including all fees.

The Audi Premimer Purchase rate was 5.3%..last month.

You are asking the dealer to FINANCE in your loan the $4000.00 neg equity... this is 94.86a month figuring 48 payments @ 6.5. Add to this the fact you are only doing 2K down... you have a very large loan and you will be VERY UPSIDE DOWN throughout the loan.

Wait .. use the car.. make you payments...even if you are 5000 miles over the limit.. that's only $750.00 less than one month of the inflated payment.

It start with price.. MSRP? Sell? What are the figures..

Balloon plans are always more than normal finance.

Ignoring my A4 issue (I agree its best to keep it until the end of the term), the car will still cost +/-$750/mo. in payments. Can't justify that payment for a Cab. Great car, but its not a rocket ship and $750/mo. buys a lot of car elsewhere. Plus I have a hard time buying a car that apparently is in such demand they don't offer any deals.

If it's gonna cost you 4K to let go six months early, that would mean you are currently leasing for $666.67 /mo. And sounds like 12K mi/yr. For an A4 , that's NOT so good.
BUT, the deal you described for the Cab is even worse.
There's no since letting your A4 go early with 2K miles still available.
You currently average 1095 mi/mo. So drive it 2 more months at least. Hell, drive it 'til lease end and only pay about $650.00 in mileage overaverage.
That's a no-brainer. By then summer is over and they my be more willing to deal. Also, 12K per year was enough on this car, why do it again.
Don't let the dealer scam you like that.
I pay $560.00/mo. On a 39 month lease with
15,000 mile/year allowance, with only first payment down. '04 Cab 1.8T.

Your math is correct. If my '01 A4 is upside down $4k 6 months away from the end of a 48 mo. lease, then you'd think I'm paying $600+/mo. BUT I'm not! I bought my A4 with $2000 out of pocket to drive away and my payments are $475/mo! Go figure!! The A4's payoff today is $19k and the dealer says its only worth $15k - hence the $4k upside down.

Either way, my decision is to hold onto the A4 to the end of the term and I'll likely look outside Audi for a replacement.

Take of you upsidwdown problem you r paymet is only 700.00. Not bad for a sell of 46K with only 2Grand out of pocket.

It may seem to high for you. but it is a realistic number based on competative and the hot CAB market.