Subvented Rate / Subvented Lease
A manufacturer-subsidized below-market [money factor](/glossary/money-factor) or APR, used to move specific models.
A subvented rate is when the manufacturer (not the lender) pays down the buy rate on a lease or loan to incentivize sales — a "subsidy." Common on slow-moving models, last-year leftovers, or factory pushes. Subvented leases often show a money factor like 0.00001 (effectively 0%) or APRs of 0.9-2.9% on financed deals. The trade-off: subvented programs are usually mutually exclusive with stackable rebates — you pick the cheap rate OR the cash incentive, not both. Run both deals to total cost over the full term; subvented is usually better on lower-priced cars, rebate is usually better on luxury.
Motrix's AI agents know every term on this page and use them against the dealer on your behalf. $0 today, $399 only when your deal closes.
Start a deal — $0 until you sign →