Gross Capitalized Cost is the total amount being financed in your lease before any reductions. It includes the negotiated selling price plus any fees or add-ons rolled into the lease. Watch for hidden add-ons that inflate this number beyond the vehicle price.
Verdict: Legitimate
N/A - This is the total amount financed
What's Included in Gross Cap Cost
Should Be Included:
- • Negotiated vehicle price
- • Acquisition fee ($595-$1,295)
- • Doc fee (per state limits)
✗ Watch for Hidden Add-Ons:
- • Dealer prep/PDI fees
- • Protection packages
- • VIN etching, nitrogen fill
- • Undisclosed accessories
How to Verify Your Gross Cap Cost
- • Start with MSRP: Your negotiated price should be at or below MSRP
- • Add only legitimate fees: Acquisition fee + doc fee
- • Question any difference: If Gross Cap Cost is higher than expected, ask for itemization
- • Decline add-ons: Remove any fees you didn't agree to
Red Flag
If the Gross Cap Cost is more than $1,000 above [Selling Price + Acquisition Fee + Doc Fee], demand an itemization. Hidden add-ons are often buried here without disclosure.