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What's an acquisition cost? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering interactive financial calculators and tools that provide objective and unique content, by enabling users to conduct research and evaluate information for no cost and help you make sound financial decisions. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this site come from companies that pay us. This compensation may impact how and where products are displayed on this website, for example for instance, the order in which they may appear in the listing categories, except where prohibited by law. This applies to our mortgage, home equity, and other products for home loans. This compensation, however, does not influence the content we publish or the reviews that appear on this website. We do not cover the universe of companies or financial offerings that could be available to you. SHARE Nejron Photo/Shutterstock
2 minutes read. Published February 26, 2022
Written by Zina Kumok. Written by Contributing writer Zina Kumok has been a full-time personal finance journalist since 2015. She's a three-time nominee for Best Personal Finance Contributor/Freelancer at the Plutus Awards and a two-time speaker at FinCon, the premier financial media conference. Edited by Chelsea Wing Chelsea Wing Editor: Student loans editor Chelsea is with Bankrate since the beginning of 2020. She's committed to helping students navigate the daunting costs of college and dissecting the complexity in student loans. The Bankrate promise
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You have money questions. Bankrate can help. Our experts have been helping you manage your money for over four years. We are constantly striving to give our customers the right advice and the tools required to succeed throughout life's financial journey. Bankrate follows a strict , so you can trust that our information is trustworthy and accurate. Our award-winning editors and journalists produce honest and reliable information to assist you in making the best financial choices. Our content produced by our editorial team is factual, objective, and not influenced from our advertising. We're transparent regarding how we're in a position to provide quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods andservices or through you clicking certain hyperlinks on our website. This compensation could impact how, where and in what order products are listed in the event that they are not permitted by law for our mortgage home equity, mortgage and other home lending products. Other factors, like our own website rules and whether a product is offered in your region or within your self-selected credit score range can also impact the way and place products are listed on this site. Although we try to offer an array of offers, Bankrate does not include information about each credit or financial product or service. An acquisition fee is a cost you pay when you purchase other kinds of vehicles . It can be called the administrative fee, the assignment fee or origination fee. The fee is generally about a couple hundred dollars, so it's critical to factor this expense within your financial budget while searching for a vehicle to lease. Is there an acquisition cost? Almost any time you get a loan, you will have to pay an initial fee or charge back to your lender. The fee typically is used to fund the process of establishing the loan and running a credit check on the consumer. For auto leases it is referred to as an acquisition cost and can also be referred to as an administrative fee or bank fee. The acquisition fee can be charged upfront or rolled into the monthly lease payment. What is the cost of an acquisition fee? An acquisition fee for an auto lease typically ranges from $395 to $895 but can differ based on the car you're leasing and the leasing company you're working with, according to Edmunds. In general, the more costly the car, the greater the acquisition cost. A luxurious car usually comes with a higher acquisition fee than a sedan that is mid-range. Unlike interest rates, the acquisition fee isn't affected by the individual's financial situation, credit score, or other personal aspects. What can I do to determine whether my loan comes with an acquisition cost? The most effective way to find out if your lease comes with an acquisition charge is to ask the lender or the dealer directly. If you have the paperwork, read it carefully to determine whether there's any mention of an acquisition cost. Lenders are good in hiding fees in the fine print, so it may be difficult to spot. The acquisition fees could also be bundled into the monthly lease payment. Whether it's paid upfront or as a part of your monthly lease installments, legally, lenders are supposed to make clear additional charges or fees when you inquire. Are acquisition fees negotiable? Similar to purchasing a car, you should at least try to bargain. The acquisition cost and other lease features, such as the trade-in value, interest rate and loan length can be negotiated. If this doesn't work, you can always look for a different lease that doesn't require an acquisition fee. There are often lease specials that are offered by dealers and manufacturers that could provide better choices which is why it's essential to look around. It's also worth noting that in the very rare occasions where you're able to negotiate a lower acquisition fee with a lender and they might increase the amount of money you pay in response. Pay careful attention to the lease agreement before signing on. How do you pay an acquisition fee If your leasing company charges fees for acquisition, the expense can either be paid out in advance or added into the total cost that is incurred by the loan. If you opt for the second option, the fee will be included in the total amount of the lease. This can increase monthly lease payments and costs you more over the long run due to compound interest. The addition of the acquisition fee to the loan will help, however in the event that you end up having to pay for the vehicle. If you pay the acquisition cost in advance and your car ends up involved in an accident, you'll not get any of the cost back from your lender. But if you had rolled this acquisition charge into your loan and then refinanced the loan, you'd be able to recuperate a portion of the amount. The bottom line is that acquisition fees can only be avoided if you notice them before you officially sign the contract. If you try to negotiate the purchase fee with the leasing firm and have no luck, consider finding a new offer. Don't be pressured to accept the lease terms. Before signing a lease agreement, contact several companies to find out what they offer . It is the most effective method to reduce or eliminate the acquisition fee. Learn more:
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Written by the contributing writer Zina Kumok has been a full-time personal finance writer since the year. She's a three-time nominee for Best Personal Finance Contributor/Freelancer at the Plutus Awards and a two-time speaker at FinCon, the premier financial media conference. Edited by Chelsea Wing Editor: Student loans editor Chelsea has been working at Bankrate since early 2020. She's dedicated to helping students to navigate the daunting cost of college as well as breaking down the complexities of student loans.
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