Broker Black prices every car in its partner inventory as a lease as well as a loan or cash, so it helps to know what a lease payment is made of. A lease is a long rental with a fixed end: you pay for the part of the car's value you use up during the term, plus a finance charge, plus tax. On a three-year lease of a car that loses 45 percent of its value, you pay for that 45 percent and hand the rest back.
Depreciation charge: selling price (plus any fees rolled in, minus anything you put down) minus the residual, divided by the number of months. Rent charge: selling price plus residual, multiplied by the money factor. Add them and you have the base payment. Add tax on each payment (Arizona, Nevada, and California all tax the payment stream rather than the price) and you have the number on the contract.
Every vehicle page on Broker Black runs this math on the current Mercedes-Benz Financial Services program for that model, at your term, miles, credit range, and money down, and shows the monthly payment, the one-pay amount, and the drive-off total. The residual and money factor stay behind the number; the payment is what you can act on.
| Fee | When | Typical amount (Mercedes-Benz Financial Services, as published by its dealers in 2026) |
|---|---|---|
| Acquisition fee | At signing, or rolled into the payment | $795 to $1,095 |
| First payment | At signing (not on a one-pay lease) | One month |
| Doc fee | At signing; set by the dealer and taxed in Nevada | Shown per dealer on the vehicle page |
| Registration and title | At signing | Set by the state |
| Disposition fee | At return, if you do not lease or buy another Mercedes-Benz within 90 days | $595 |
| Excess miles | At return | $0.25 per mile over the contract |
| Excess wear | At return | Per the lender's wear standard; normal wear is not charged |
The partner dealer. Each dealer publishes its own selling price, discount, and any market adjustment up front, and Broker Black turns that into a payment. Everything is priced for you, so there is nothing to haggle over.
It is an estimate on the current factory program at the profile you set (credit range, term, miles, money down), with tax for where you live. The dealer confirms the final contract figures.
No. Those belong to the lender's program. Broker Black shows what they produce: the monthly payment, the one-pay amount, and the drive-off total, so you can compare cars and structures on the numbers you actually pay.
Nothing is required. Broker Black's examples start at 10 percent of the selling price so cars compare evenly; you can set it to zero or any amount on the vehicle page.