Prepay entire lease upfront in exchange for a ~0.0005 money factor cut.
Most captive lenders (BMW FS, Mercedes-Benz FS, Audi FS, Lexus FS) offer a 'single-pay' or 'one-pay' lease: prepay the sum of all monthly payments upfront in exchange for a money-factor reduction of ~0.00050–0.00075 (~1.2–1.8% APR). On a $60K 36-month lease that's $1,500–$2,500 saved. Also useful for buyers with thin/damaged credit — the prepayment substitutes for creditworthiness on some captive programs.
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6,000+ lb SUV/truck — deduct nearly the full price year 1.
Dedicated fuel cards with 25¢/gal rebates, 30-day float, and no personal guarantee.
Stack app rebates + fuel card + rewards card for 40–60¢/gal off.
Owner-operators get 20–60¢/gal off diesel via fleet fuel networks — no fee.
Write off up to 100% of a business vehicle over 6,000 lb GVWR in Year 1.
Lease deducts 100% of payments; buy deducts depreciation — pick by term and use.
Lease any EV and get the full $7,500 credit — no income cap, no assembly rules.
30% of purchase price up to $4,000 on qualifying used EVs from a licensed dealer.