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Ask me anything about car leasing

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Markus AllenPerson was signed in when posted
07:40 PM ET (US)
Hey Matt,

My KTL Leasing System gives you every secret I know:

With my system, we email all the General Managers in our local and regional "zone" - usually, this is 50 to 75 dealerships. In less than 20 minutes, a dealership will be the needle in the haystack... willing to lease their Raptor near the 1% mark - always $0 cash down.

My clients swear they will never step foot in a dealership again after using my system.

- markus
07:17 PM ET (US)
Markus...thanks for your quick response. you wrote this.."In fact, I see a lot of 'em going for almost 20% lower than MSRP." Now that catches my attention. How can I find those dealerships without calling all of them.
Markus AllenPerson was signed in when posted
07:10 PM ET (US)
Good evening, Matt.

Congrats on your FICO of 800 - stellar. Car dealers will love you for that.

About the 2018 Ford Raptor... I posted about it on my blog last year... here:

Now, I just checked my sources on the 2018 Ford Raptor - boy o' boy that did not last long. As predicted (in my post above), they are not going for obscene markups anymore. In fact, I see a lot of 'em going for almost 20% lower than MSRP.

So the good news is with my system, you should be able to come close to the 1% rule:

So a $55,000 Raptor should be around $550 monthly - no money down.

If you upgrade, something like a $60,00 Raptor should be around $600 monthly - again, no money down.

And so on.

With that said...

And at the risk of sounding like a broken record, I cannot guarantee your results. Our government likes to crack down on those who make "claims."

The only thing I can guarantee via my system is you will find a dealership that will eat the downpayment ($0 cash down... sign and drive).

Happy Raptor shopping!

- markus
06:13 PM ET (US)
I have over 800 credit score and I want to lease a new 2018 ford raptor. I want to put nothing down and NOOOOOO CHANCE I will pay a markup in any way. Can you do that for me?
Deleted by author 07-16-2018 03:45 PM
Markus AllenPerson was signed in when posted
01:47 PM ET (US)
Hello Elizabeth,

If you read this blog post of mine:

We see there are several reasons we never want to put money down on a car. So I would keep your cash and buy yourself something nice instead.

And I would never ever ever NEVER EVER ever ever cosign...

Everyone in the financial/credit industry warned me about this when researching my credit boosting report. It almost never ends well. Instead, just lease your new car in his name - problem solved... 740 is a great credit score for leasing. If you are looking to boost your credit score with leasing, you will get no help. The way it shows up on your credit report lowers our utilization score - not good when you have a 580 FICO. (Remember, my system includes my At-Home 850 Credit Building System. It is the same system I regularly sell for $199.00 on its own.)

About your $300 a month budget - using my system, we go by the 1% rule found here:

This means you have TONS of great options - just need to find cars with an MSRP of less than $30K:

Happy Sunday!

- markus
11:04 AM ET (US)
Hi Everyone,

     My car died recently and my husband convinced me to get a lease car. I want to put $1,000 down that includes taxes and fees. My credit score is bad around 580 my husband credit card is around 740, he will probably get the car under his name and I'll be a cosigner. I had look at different options of cars which one would you recommend? I want to keep my payments under $300.00
Rebecca SchepisPerson was signed in when posted
09:12 PM ET (US)
Ok perfect thank you
Markus AllenPerson was signed in when posted
09:07 PM ET (US)
No worries, Rebecca - I totally understand. I have been called WAY worse in the past:>

As long as you have a FICO of at least 620 and at least $19,000 a year in income, you are good to go to lease with almost any car leasing company in the good ol' USA.

- markus
Rebecca SchepisPerson was signed in when posted
09:04 PM ET (US)
Oh my ... my apologies I grabbed that name from one of the post below. How embarrassing. 🤭I am ready to order with one other question, does your credit score weigh heavily on lease ? I believe I am at 660-680 due to the hard inquiries . Thank you
Markus AllenPerson was signed in when posted
08:39 PM ET (US)
Good evening Rebecca,

(I am not sure who David is...)

I am Markus Allen. I publish this blog:

If you scan through it, you will see I find leasing a new production car is almost always the best way to go. (There are very few exceptions.)

I recommend looking at the most popular pages on my blog here:

Also, I would not shop slow at this point. Credit agencies allow about 30 days to shop virtually unlimited car dealers. They know we are shopping for a car, so they typically "ding" us 4 or 5 points off just once. But after 30 days, your score will go down the longer you wait. My leasing system includes my entire system on boosting our credit score - I would zoom to that section if you get my system ASAP.

Yes, my KTL Leasing System works in the lower 48... and this includes New York.

And about your budget and luxury cars - here are more than a dozen case studies... as you see, people who use my system are usually able to get a luxury car for the same price as a Honda Accord:


Finally. Remember. With my system, we NEVER EVER pay any money down. There is no exception - this saves us thousands and thousands of dollars in upfront cash. We find dealerships who are willing to zero out the down-payment requirement.

- markus
Edited 07-07-2018 08:41 PM
08:29 PM ET (US)
Hello David ,

I have been shopping for a car for months. Should I get a new or used, finance or lease. It’s so stressful. Then every time I thought I made a desicion they would run my credit lowering the score instantly for hard inquiries and ii have mediocre scores at best. I originally wanted to lease but unfortunately my taste in cars is a little to expensive for my budget with the luxury cars down payment. So I am extremely interested in purchasing your program but I did see somewhere on your site if I read it correctly, it works only in 48 lower states, I am from NY. Thoughts.? Thank you kindly. Rebecca
Markus AllenPerson was signed in when posted
09:20 AM ET (US)
Hey hey David,

The car industry likes to get us all excited about holidays. They give us the impression we are going to get that extra special deal. But the truth is we will not.

For your other question, here is a snippet from a tutorial I wrote for my leasing clients. I see you just ordered my system - you can find this under the "Timing" section:


The letter "T" in my KTL Leasing System stands for "Timing."

The wrong timing costs us big. I have seen bad timing add more than a $100.00 a month more to a car payment.

Sometimes more.

However, the right timing (usually) gets us fantastic deals.

There are 2 exceptions

There is (almost) never a bad week to start using my system.

Because every day, car dealers have to sell enough cars to get their lucrative manufacturer bonuses.


There is one particular week that we might want to wait for...

And that is the last week of the year. The week after Christmas Day.

The last week represents the end of the month, the end of the quarter and the end of the fiscal year.

This timing is the perfect storm - for us.

During this week, I have seen my clients get extra special deals - deals not seen the rest of the year.

Bottom line: when we wait until the last week of the year, it might be worth it.

Another bad time to start sending out emails is the first few days after the last month's last incentive day.


Because manufacturers leave dealers in limbo until they update their incentives.

For example, if the last incentive day ends on the 2nd of the new month, then new incentives will not show up until a few days later...

And usually, new incentive dates filter through dealer networks on a Thursday through Friday. And these are not good days to start our email campaign.

In this scenario, I recommend a pause. And we try again a week later.
07:48 PM ET (US)
Hi Markus,

Does your service work better at the end of the month or could I expect to see the same results over the next week (first 7-10 days of the month), which also coincides with July 4th?

Also, how long does it take to have your system set up to email all the dealers?


Markus AllenPerson was signed in when posted
04:45 PM ET (US)
Hello again Chris T,

I see now.

Actually, my system encourages multi-car shopping. I have a video diary about this in my system. I was challenged by a 10-year General Manager of a Texas dealership. He bet I could not beat his deal. He lost and I documented it - blow by blow. The key was to shop 3 different cars at the same time. It is a bit more work, but SO worth it.

- markus
Chris T
04:33 PM ET (US)
Hi Markus, might be a misunderstanding there.

What I meant to ask is if I am still undecided to buy either cars, can I buy 1 KTL system to shop between the 2 cars? Or do I need to buy 2 KTL systems to shop 2 different cars?

Only my wife and I are using it, and we are only buying 1 car.
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