A lease means you pay for the vehicle's depreciation over the term (typically 24–48 months), then return the car or purchase it at a predetermined residual value. A purchase means you own the vehicle outright — with cash or an auto loan. Leo will walk you through both options and explain which makes more sense for your situation.

The money factor is Mazda Financial Services' equivalent of an interest rate for leases. It's set monthly by MFS and varies by credit tier — Tier 1+ (720+) receives the best rate. Multiply the money factor by 2,400 to convert to an approximate APR. Leo knows the current MFS money factors for every model and will show you exactly how your tier affects your payment.

MFS Tier 1+ requires a 720+ FICO score. Tier 1 is 690–719, Tier 2 is 670–689, Tier 3 is 650–669, and Tier 4 is 630–649. Each tier below 1+ adds to the money factor. Leo works across all credit tiers and will tell you exactly where you land and what your payment looks like — no surprises at the desk.

Mazda of North Miami charges a $1,495 dealer fee (D&H), a $999 MNM value pack, and a $750 bank acquisition fee — all capitalized into the lease. Florida also adds inception fees of approximately $1,220 (registration, e-filing, tire fee, MVWEA, battery fee, rental charge, private tag agency, and tax on fees). Leo shows you all of this upfront — your due-at-signing number is never a surprise.

Mazda Financial Services publishes new programs on the first of every month. Money factors, residuals, and incentive cash can all change — sometimes significantly. Leo tracks these monthly and will advise you on whether acting now or waiting for next month's program is in your interest.

Not at all. Fill out the form, call, or DM @leomazdanm on Instagram. Leo will send you a full breakdown — payment, cap cost, money factor, residual, due at signing — before you ever set foot in the dealership. You only come in to sign and pick up your car.

Yes. Leo will get you a market-accurate appraisal and make sure your trade-in value is applied correctly to your deal — whether that's reducing your cap cost on a lease or your purchase price on a finance deal. Submit your info and Leo handles the rest.