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I thought you were quoted $500 over on a lease and $1,600 over on a purchase? That tells me they're marking up the lease a bunch, and 3.9 seems like a bunch. The buy rate is probably in the mid 2s. That probably jumps the payment $50-60/month.
If you call a dealer, ask for the fleet manager, and ask how much over invoice if leased at the buy rate, you'll get to the bottom line a lot faster. Ask them who's got the best rate. Favor rate over residual. Lower residual = potentially more equity later. A subvented lease will help your cause enormously. Problem is it looks like you've only got two candidates. Audi routinely has lease specials; I'm sure VW does, too.
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