Congrats Lisa,
I am really happy for you -- and you got your Supplier pricing too! It has only been through this forum (thanks Admin!) that I have found a lot of good info and put it together what I already knew. I've leased a number of vehicles (for myself and my Dad) -- and there have been some terrific mentors on various forums that shared their knowledge.
Lisa -- if you decide to lease -- DO NOT put any cash into the lease. You can do some searching, but the reason is that when you lease, YOU are NOT the owner, the leasing company is. GMAC leases are great in that they have what is called GAP protection -- if you carry the minimum insurance they ask (I think it's 100k/300k liability, etc), and you get into an accident and the insurance company "totals" your vehicle -- the insurance company will pay GMAC (the leasing co) and NOT YOU. So that means, all these leases where you see money down -- it's money down alright -- money right down the drain.
Yes, your lease payment will be higher as a result, but you will be out of pocket whatever amount you've put down. The leasing company will not and is not obligated to return that money to you -- regardless of whether it's for state taxes, fees, or simply to "buy down" the payment to a lower monthly amount. Please, if you don't believe me, look this up. Put everything you can into the lease and put no money down except the 1st month's payment. You are merely "renting" the Enclave for however many months you agree to lease -- and you don't want ANY of your money tied up in the lease. If the payment is "too high" -- then you shouldn't lease, it's really that simple. You have to hop over the fact that doing this WILL make your payment a lot higher but you will correspondingly not be taking any money out of the bank either (you know, a big chunk, whether 5K or 10K or whatever amount).
Likewise, you should NOT, if you have a trade, put the trade against the lease. Have the dealer cut you a check or sell it yourself. Yes, you may come up short if there's a tax advantage to trading in against the price of a new vehicle, but you don't want to put a $10K or $15K trade because it's effectively like writing a $10,000 check to the dealer. Again, total that car, GMAC gets paid and you literally have LOST your $10,000!!!
Now, as far as the lease rate -- I believe 9% is the rate, that's what I was just quoted (finding this out for my Dad, his lease is up in 3 mos and he thinks he wants an Enclave too); plus, I am still deciding whether to lease or buy; haven't decided yet.
The other info you'll need is: 36 mos/15,000 mi a year, residual value is 60%; if you need 36mo/12,000 yr, resid is 62%, if you need 36mo/10,000 yr, resid is 63%
A 39 month lease is available and also pretty attractive: 39mos/12K year @ 62%
Here's a great link:
http://www.leaseguide.com/calc.htm, this will help you calculate the lease. However, be VERY careful re taxes -- find out how this is figured in California. You'd be best off using this site without trying to calc tax until you know how it's handled -- it will give you the "raw" lease cost as a comparison for you to use. There's lots of info in various places (Edmunds is good place for that in the Car Leasing section) to educate yourself about leasing.
If you have more questions, just ask -- if I have the answer or can point you in the right direction, I will.
For me right now, I think I might have found a dealer that has an allocated vehicle that I could use to order my Enclave instead of waiting forever for my dealer to get an allocation (he seems to think September, but I have no way to know for sure -- I will find out more on Monday. Wish me luck, it seems the tide is starting to turn for some folks (finally).