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Shop payments. If you're thinking about leasing, then the $30K budget isn't as relevant. You should be comparing lease payments for a given structure- say 3 years, 12,000 miles/year, with $2,000 drive-off (the sum of down payment, 1st month's payment, registration, and some minor fees like $80 doc, $18 DMV elec filing fee, and $8.75 tire fee. Bank acquisition fee is sometimes put into the drive-off). Be sure not to get tricked into thinking "down" is your drive-off- it's only part of it. Depending on the lease terms, a more expensive car can have lower payments than a less expensive one, for a variety of reasons. If you focus on selling price, a dealer will tend to mark up the hell out of the rate. I can hook you up with some makes- Volvo (no love on XC90s right now), Honda, Chrysler/Dodge, Ford, Mazda, Acura.
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