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What’s an acquisition cost? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by offering financial calculators and interactive tools as well as publishing objective and original content, by enabling you to conduct your own research and compare information for free and help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site are from companies who pay us. This compensation may impact how and where products appear on this website, for example, for example, the order in which they may appear in the listing categories, except where prohibited by law. This applies to our loan products, such as mortgages and home equity and other home lending products. However, this compensation will not influence the content we publish or the reviews that you read on this site. We do not include the universe of companies or financial offerings that could be accessible to you. SHARE: Nejron Photo/Shutterstock

2 min read published 26 February 2022

Written by Zina Kumok Written by a contributing writer Zina Kumok has been a full-time personal finance journalist since the year 2015. She’s a three-time nominee for Best Personal Finance Contributor/Freelancer at the Plutus Awards and a two-time speaker at FinCon, the premier financial media conference. Edited by Chelsea Wing Edited by Student loans editor Chelsea is with Bankrate since the beginning of 2020. She’s committed to helping students to navigate the steep costs of college and simplifying the complex world in student loans. The Bankrate promises

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We are compensated for placement of sponsored products or services, or through you clicking specific links on our site. Therefore, this compensation may influence the manner, place and in what order products appear in listing categories and categories, unless it is prohibited by law for our mortgage, home equity and other home lending products. Other factors, like our own proprietary website rules and whether a product is offered in your region or within your own personal credit score may also influence the way and place products are listed on this site. While we strive to provide a wide range offers, Bankrate does not include specific information on every financial or credit products or services. A acquisition fee is a fee that you pay for acquisitions, as well as other types of vehicles . It could be called the administrative fee, the assignment fee or origination fees. The fee is generally a few hundred dollars, which is why it’s important to consider the cost within your financial budget while searching for a car to lease. What is an acquisition cost? Almost any time you take out a loan, you will have to pay some sort of charge to initiate the loan with the lender. The fee typically is used to fund the process of establishing the loan and conducting an credit check on consumers. In the case of auto leases the fee is called an acquisition fee . It may also be called a bank fee or administrative fee. The acquisition cost can be billed upfront or rolled into your monthly lease payments. What’s the average acquisition fee? An acquisition fee for the lease of a car typically ranges from $395 to $895 but can differ based on the vehicle in question as well as the lease company that you’re dealing with, as per Edmunds. Typically, the more expensive the car, the greater the acquisition cost. A luxury vehicle is almost always accompanied by a higher acquisition fee than a mid-range sedan. Contrary to interest rates, an acquisition fee isn’t affected by the individual’s income, credit score or any other personal variables. How do I know if my loan includes an acquisition fee? The easiest way to figure out if your lease comes with an acquisition fee is to ask the lender or dealer directly. If you already have the lease, you should read carefully to find out if there’s anything mentioning an acquisition cost. Lenders are good in hiding fees in the fine print, so it can be hard to find. The acquisition fees could also be bundled into your monthly lease payments. It doesn’t matter if it’s paid upfront or part of the monthly lease installments, legally, lenders have to inform you of the fees and charges if you ask. Are acquisition fees negotiable? Like when you purchase automobiles it is recommended to at a minimum try to bargain. The acquisition fee and other lease features, like the value of trade-in as well as the interest rate and loan duration may be negotiable. If this doesn’t work, you can always look for a lease somewhere else that doesn’t require an acquisition cost. There are typically lease specials that are offered by dealers and manufacturers that might offer better options which is why it’s essential to research. It’s also important to remember that in the very rare occasions where you are able to negotiate a lower cost for your acquisition with the lender and they might increase your money factor in response. Make sure you are aware of the terms of your lease agreement prior to signing it. How to pay an acquisition fee If your leasing company has the acquisition cost, the expense can either be paid out in advance or added into the total cost that is incurred by the loan. If you opt for the alternative, the acquisition fee is added to the principal for the lease. This increases monthly lease payments , and will cost you more over the long term due to the compound interest. Adding the acquisition fee to the loan can help, however in the event that you end up totaling the vehicle. When you have paid the purchase cost in advance and your car ends up involved in an accident, you will not receive any of the acquisition fees back from the lender. However, if you’d had the option of rolling the acquisition fee into the loan and then refinanced the loan, you’d be able to recoup part of the amount. The bottom line Acquisition fees are only able to be avoided if they are discovered the fees before signing the contract. If you attempt to negotiate the acquisition fee with the leasing firm and have no luck, consider seeking a new deal. Do not be compelled to agree to the lease agreement. Before you sign a lease contract, contact several companies to see what kind of . Doing some research is the best method to reduce or eliminate the cost of the acquisition. Learn more:

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Written by the contributing writer Zina Kumok. Kumok has been a full-time personal finance writer since the year. She’s a three-time nominee for Best Personal Finance Contributor/Freelancer at the Plutus Awards and a two-time speaker at FinCon, the premier financial media conference. Edited by Chelsea Wing Chelsea Wing Edited by Student loans editor Chelsea has been working at Bankrate since early 2020. She’s dedicated to helping students to navigate the daunting cost of college as well as dissecting the complexity of student loans.

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