Program Period: December 2, 2025 – January 2, 2026

Porsche Financial Services (PFS) enters the final month of the year with a mix of highly competitive financing and sharper lease structures. The biggest headline for December is a significant downward adjustment in residual values for the 2025 gas-powered Macan, which will impact monthly payments. However, the brand is balancing this with attractive money factors on select terms and stable retail rates.

Lease Updates: Lower Rates vs. Lower Residuals

The lease landscape for the 2025 Macan (Internal Combustion Engine) has shifted noticeably this month.

• Residual Value Hit: The 2025 Macan has suffered a significant drop in residual values compared to previous programs. This lower residual means the vehicle is predicted to retain less value over the lease term, which typically puts upward pressure on the monthly payment.

• Money Factor Support: To counteract this, Porsche is offering a highly competitive Buy Rate Money Factor of 0.00320 on select terms (specifically 12-30 months and 43-51 months) for top-tier credit customers on 4-door models like the Macan, Cayenne, and Panamera.

  • Note: The standard 39-month term rate for these models is slightly higher at 0.00355 for top-tier credit.

EV Programs: Continued Support

Porsche continues to push its electric lineup with specific lease structures.

• Macan Electric: The electric variant sees distinct lease support with a Money Factor of 0.00289 for the popular 39-month term (31-42 months bracket) for top-tier credit.

• Taycan Incentives: The brand maintains targeted programs such as the Taycan Lease Match Program to support aggressively priced leases on the electric sedan and Cross Turismo models.

Finance APR Rates

For customers preferring to purchase, Porsche offers a stable and straightforward APR structure for new 2025 and 2026 models.

• Standard APR: Qualified customers (Levels 1 & 2) can secure a rate of 5.99% APR for terms up to 72 months.

• Extended Terms: For those needing longer terms, the rate increases to 6.74% APR for loans between 73 and 84 months.

Loyalty and Conquest Incentives

PFS actively supports both new customer acquisition and retention through several ongoing incentive programs.

• Welcome to Porsche Conquest Program: Targeted at competitive brand lessees, this program offers credit up to the value of 3 payments (max $1,500/payment) when transitioning into an eligible new Porsche.

• End of Term Lease Loyalty Program: Existing PFS lessees may be eligible for a waiver of up to 12 remaining monthly payments when financing or leasing a new eligible Porsche.

Why December Is a Mixed Bag

December presents a unique scenario for Porsche buyers. While finance rates remain reasonable at 5.99% and money factors have dipped to 0.00320 for short and long-term leases, the sharp drop in 2025 Macan residuals is a hurdle. Buyers will need to leverage the lower money factors and available inventory discounts to offset the depreciation hit.

AutoCompanion Concierge Service

If you prefer a streamlined experience, our concierge service manages the entire process on your behalf:

• Locating the exact configuration you want

• Reviewing whether leasing or financing makes the most sense

• Confirming all incentives and eligibility

• Structuring the deal clearly and transparently

• Coordinating directly with the dealer for paperwork and delivery

Tell us the vehicle you want, and we’ll take it from there.