Current buy rate lease money factor and residual value for a 36-month lease of a 2012 Golf 4-Dr with 12,000 miles per year are .00007 and 50%, respectively for consumers who qualify for its top credit tier.
The MSRP of a fairly stripped 2012 Golf 4-Dr with an automatic transmission is $20,565 and its dealer invoice price is $19,773. Let's say that you were able to negotiate a selling price of around $19,500. Using these numbers, I estimate that this car would have a zero down, pre-tax monthly payment of around $259.
Prices Paid: Buying & Leasing Experiences Forum