How to Snag This Deal Before It’s Gone – Even With Average Credit
🚗 Quick Answer: Where to Find $99/Month Cruze Leases
✅ Current Markets With This Deal (July 2024):
-
Texas (Houston, Dallas)
-
Florida (Miami, Orlando)
-
Ohio (Cleveland, Columbus)
-
Limited Stock: Only LT trim with 10k miles/year
💡 Secret Trick: Search for “dealer demo” models (under 5k miles) for extra discounts.

🔍 Step-by-Step: How to Get the $99 Lease
1. Find “Leftover 2023” or Demo Models
-
Search Autotrader/Cars.com for:
-
“2023 Chevy Cruze LT lease”
-
“Dealer demo Cruze special”
-
-
Pro Tip: Call dealers and ask:
“Do you have any 2023 Cruzes left or demo models needing to clear inventory?”
2. Stack These Incentives
Discount | Savings | How to Qualify |
---|---|---|
Dealer Cash | $1,500 | Automatic (ask!) |
Loyalty Rebate | $750 | Own any GM vehicle |
College Grad | $500 | Degree within 2 years |
Military | $500 | Active/veteran ID |
Total Possible Savings: $3,250 (lowers monthly payment)
3. Negotiate the “Money Factor” (Interest Rate)
-
Ideal MF: .00120 (≈ 2.88% APR)
-
Credit Tiers:
-
720+ score: Get lowest rate
-
650-719: Add 10−10−20/month
-
Below 650: Consider a co-signer
-
📌 Script:
“What’s the buy rate money factor on this Cruze lease? I’m comparing offers.”
📊 Real 2024 Lease Example (Houston, TX)
Term | Dealer Quote | After Negotiation |
---|---|---|
MSRP | $22,995 | $20,145 (after incentives) |
Due at Signing | $2,500 | $1,000 (roll fees into payment) |
Monthly Payment | $129 | $99 |
Mileage | 10k/year | 10k/year |
💡 How They Did It:
-
Negotiated $2,850 off MSRP
-
Used 1,500dealercash∗∗+∗∗1,500dealercash∗∗+∗∗750 loyalty rebate
-
Rolled acquisition fee ($595) into payments
🚨 3 “Hidden Fees” to Watch For
-
Acquisition Fee: $595 (ask to waive or reduce)
-
Disposition Fee: $395 (due at lease end)
-
Excess Wear Coverage: $15/month (usually unnecessary)
Always Request the “Gross Capitalized Cost” Breakdown!
❓ FAQ: $99 Chevy Cruze Lease
Q: Does this require perfect credit?
➡️ No! 650+ scores can qualify (with higher money factor).
Q: Can I get this deal in California?
➡️ Rare – Try Chevy Sonic leases instead (similar pricing).
Q: How long will $99 leases last?
➡️ Until 2023 inventory clears (likely by September 2024).