Hello. My lease is getting ready to end in two months. I’ve looked into a Nissan Pathfinder to lease as my new vehicle and here are the numbers the dealer gave me. I feel like I’m royally getting screwed because other people’s numbers I’ve seen have been drastically less. . What can I negotiate this monthly payment down to realistically? All help is greatly appreciated.
I’m seeing great deals for leases for all other makes and models except this make.
Love the car - interior is nice and soft, feels premium. Like the bold colors too (got coastal blue metallic). Super cruise is good - drove from dealership to home hands free.
I did one pay and hence 10.5K
I got additional protection for the duration of lease - that was another $1300 (got $200 off because of Costco membership)
Location: Bay Area (CA)
Please help me purchase a new G63 but help me do it financially right. Its 230k. Should we lease to purchase or buy mildy used to begin with?
Thanks
I’m going for the $1000 down 36 months lease $482 a month. Subaru is paying first months payment. This is for a 2026 Subaru Solterra limited XT, I’m turning in my lease which is a 2023 Subaru Solterra premium. Good deal?
Rates from respective captive lender Northeast rate sheets, April 2026, 36mo/12K miles. Cap = MSRP minus non-conditional Lease Cash only — no dealer discount, no down payment. Payments pre-tax. Conditional incentives (loyalty, military, college grad, conquest) not included in base monthly unless noted.
April EV leasing runs on two rails. Toyota Motor Credit and Lexus Financial hold MF 0.00001 — literally 0% APR — on the bZ and RZ lineups. Nobody else is close on rate. Below that, the market competes on cash: Hyundai puts $13,500–$14,000 on the IONIQ 9, Kia loads $9,800 onto the Niro EV, Honda cut the Prologue's MSRP $7,500 on April 1 and kept MF 0.00074 with $5,000 on top. The April regression story is the Ford Mustang Mach-E: MF jumped from 0.00132 to 0.00189 — $92/month worse on the entry trim with no cash increase to offset it.
Finding #1: Toyota bZ — 0% APR, the only number that matters
Toyota Motor Credit runs MF 0.00001 on every 2026 bZ trim. The 36-month rent charge on the XLE Plus FWD totals $19. That's not a typo — nineteen dollars in total financing cost over three years. The only April change: the bZ Woodland base cash dropped $500 (from $7,000 to $6,500), which adds ~$14/month to the Woodland versus March. The standard bZ holds at $7,000.
The XLE Plus FWD at ~$42,000 MSRP with $7,000 off cap cost, 43% residual, MF 0.00001:
Adjusted cap: ~$35,000
Residual (43% × $42,000): $18,060
Depreciation ($35,000 − $18,060) ÷ 36: $471/mo
Rent charge ($35,000 + $18,060) × 0.00001: $0.53/mo
Base payment: ~$471/mo
At market rate (MF 0.00250), the rent charge on the same cap would be ~$133/month. Toyota is absorbing that entirely. bZ Lease Loyalty Cash adds $5,000 (NE region) — max stack ~$13,000 brings the XLE Plus to ~$348/month for qualifying buyers. No conquest on any bZ trim.
| Trim | MSRP | MF | RV | Lease Cash | ~Monthly |
|---|---|---|---|---|---|
| bZ XLE Plus FWD | ~$42,000 | 0.00001 | 43% | $7,000 | ~$471 |
| bZ Limited FWD | $43,400 | 0.00001 | 42% | $7,000 | ~$505 |
| bZ XLE AWD | ~$53,390 | 0.00001 | 44% | $7,000 | ~$637 |
| bZ Woodland Base AWD | $46,750 | 0.00001 | 44% | $6,500 | ~$547 |
| bZ Woodland Premium AWD | $48,850 | 0.00001 | 44% | $6,500 | ~$580 |
Pre-tax, 36mo/12K. Woodland base cash dropped $500 vs March. Standard bZ max stack ~$13,000 NE ($7K + $5K bZ Loyalty + $500 military/college). No conquest. Verify for your region.
Finding #2: Lexus RZ — same 0% APR, residual improved
Lexus Financial (same parent as TFS) runs MF 0.00001 on all 2026 RZ trims. The April improvement: the base RZ 450e AWD residual moved from 51% to 52%, saving ~$13/month vs March. The RZ 450e AWD entry now runs ~$594/month on ~$50,148 MSRP.
April also adds the RZ 350e FWD (single motor) at ~$48,600 MSRP, same MF 0.00001, 51% residual — ~$585/month. That's $9/month cheaper than the AWD on $1,500 less car. If you don't need AWD it's the new entry point. Base cash is $2,750 on all RZ trims; max stack $4,750 with military + college grad. No loyalty, no conquest on any RZ.
| Trim | MSRP | MF | RV (36/12K) | Base Cash | ~Monthly | w/ Max Cash |
|---|---|---|---|---|---|---|
| RZ 350e FWD | ~$48,600 | 0.00001 | 51% | $2,750 | ~$585 | ~$530 |
| RZ 450e AWD | ~$50,148 | 0.00001 | 52% | $2,750 | ~$594 | ~$538 |
| RZ 450e Premium AWD | ~$52,348 | 0.00001 | 51% | $2,750 | ~$637 | ~$581 |
| RZ 450e Luxury AWD | ~$57,648 | 0.00001 | 51% | $2,750 | ~$709 | ~$654 |
AWD residual improved from 51% to 52% vs March. Max $4,750: $2,750 base + $1K military + $1K college grad. Partnership certs (BofA/Morgan Stanley/PGA) available separately.
Finding #3: IONIQ 9 at ~$431/month — a $55K 3-row EV for less than a Honda CR-V
Hyundai Motor Finance runs market rate MF (0.00224–0.00229) on the IONIQ 9 but offsets it with $13,500 (S RWD) to $14,000 (SE AWD) in non-conditional Lease Cash at 36 months. The SE AWD at ~$57,000 MSRP with $14,000 off cap cost produces ~$436/month pre-tax. The S RWD entry at ~$55,000 with $13,500 cash comes in at ~$431/month. That's a 3-row, 300+ mile range EV.
For context: the Kia EV9 (same E-GMP platform) runs $11,400–$11,700 cash — less aggressive — and the Light LR RWD comes in at ~$504/month. The IONIQ 9 is $70–73/month cheaper on a similar class of vehicle because Hyundai is dumping more cash to move it.
The IONIQ 5 program restructured. In March, several trims had near-zero rates. In April, only the Limited AWD keeps the subsidized rate (MF 0.00007, 0.17% APR) — but with just $1,000 Lease Cash. Every other IONIQ 5 trim runs market rate (0.00213–0.00228) with $6,500–$7,500 cash. The SE SR RWD at ~$41,450 with $7,250 cash lands at ~$449/month — the cash matters more than the rate on a 36-month deal.
| Trim | MSRP | MF | RV | Lease Cash (36mo) | ~Monthly |
|---|---|---|---|---|---|
| IONIQ 5 SE SR RWD | ~$41,450 | 0.00213 | 54% | $7,250 | ~$449 |
| IONIQ 5 SE RWD | ~$43,850 | 0.00227 | 60% | $6,500 | ~$451 |
| IONIQ 5 SE AWD | ~$46,350 | 0.00228 | 59% | $7,000 | ~$483 |
| IONIQ 5 Limited AWD | ~$51,500 | 0.00007 | 60% | $1,000 | ~$550 |
| IONIQ 9 S RWD | ~$55,000 | 0.00224 | 58% | $13,500 | ~$431 |
| IONIQ 9 SE AWD | ~$57,000 | 0.00229 | 59% | $14,000 | ~$436 |
| IONIQ 9 SEL AWD | ~$60,000 | 0.00229 | 61% | $13,000 | ~$464 |
Pre-tax, 36mo/12K. IONIQ 9 MSRPs are estimates. Additional conditional cash available (military $500, college grad $400, first responder $500). Data: Hyundai Motor Finance NE, April 2026.
Finding #4: Honda Prologue — $7,500 MSRP cut April 1 + 1.78% APR + $5,000 cash
Honda cut the Prologue's MSRP $7,500 across all trims effective April 1. The EX 2WD drops from ~$48,800 to $41,395. Honda Financial kept MF 0.00074 (1.78% APR) and $5,000 non-conditional cash. Combined effect on the EX 2WD: ~$456/month, down from ~$563 in March on the same program — $107/month improvement purely from the price cut.
Loyalty or conquest ($2,000, mutually exclusive) brings the EX 2WD to ~$399/month. Max stack including military/college grad: $10,000 total.
Compare to the Chevy Equinox EV RS (~$45,995, MF 0.00081, 60% RV, $0 non-conditional cash): ~$571/month. The Prologue now wins on payment by $115/month with $5,000 guaranteed in your pocket before you walk in. The Equinox has the stronger residual (60% vs 52%) but it doesn't close the gap.
| Trim | MSRP | MF | RV | Base Cash | ~Monthly | w/ Loyalty |
|---|---|---|---|---|---|---|
| EX 2WD | $41,395 | 0.00074 | 52% | $5,000 | ~$456 | ~$399 |
| EX AWD | ~$43,500 | 0.00074 | 52% | $5,000 | ~$486 | ~$430 |
| Touring AWD | ~$46,200 | 0.00074 | 51% | $5,000 | ~$538 | ~$480 |
| Elite AWD | $51,895 | 0.00074 | 49% | $5,000 | ~$650 | ~$593 |
Pre-tax, 36mo/12K. Loyalty/conquest $2,000 additional (mutually exclusive). Max stack $10,000. Data: Honda Financial Services NE, April 2026.
Finding #5: Kia Niro EV Wind at ~$347/month — cheapest EV lease payment in the dataset
The math is not complicated. $9,800 non-conditional Lease Cash on a ~$39,700 car reduces cap cost to $29,900. At 54% residual and MF 0.00219 (5.26% APR): depreciation $235/month, rent charge $112/month, total ~$347/month. No subsidized rate, no tricks — just a lot of cash. The Wave at $42,500 MSRP gets $9,950 cash and runs ~$388/month.
The EV9 is larger, different market, but worth comparing. Light LR RWD at ~$57,000 with $11,400 cash and 59% RV: ~$504/month. Wind AWD at ~$62,000 with $11,650 cash and 61% RV: ~$540/month. Market rate MF across the board — these are pure cash plays.
| Trim | MSRP | MF | RV | Lease Cash | ~Monthly |
|---|---|---|---|---|---|
| Niro EV Wind | ~$39,700 | 0.00219 | 54% | $9,800 | ~$347 |
| Niro EV Wave | ~$42,500 | 0.00219 | 54% | $9,950 | ~$388 |
| EV9 Light LR RWD | ~$57,000 | 0.00216 | 59% | $11,400 | ~$504 |
| EV9 Wind AWD | ~$62,000 | 0.00218 | 61% | $11,650 | ~$540 |
| EV9 Land AWD | ~$66,000 | 0.00219 | 60% | $11,700 | ~$614 |
Pre-tax, 36mo/12K. EV9 military +$500. MSRPs are estimates. Data: Kia Motor Finance NE, April 2026.
Finding #6: Ford Mustang Mach-E — MF jumped, +$92/month with no offsetting cash
The Mach-E MF moved from 0.00132 (3.17% APR) in March to 0.00189 (4.54% APR) in April — a 43% rate increase. Base cash stays at $2,000. On the Select RWD at ~$43,500 MSRP the payment goes from ~$554/month (March) to ~$646/month — $92/month worse with nothing changed except the money factor. Ford Financial is pulling subsidy from a vehicle that isn't moving. Residuals are 52–53%, which is fine. The rate makes it uncompetitive against everything above at similar price points.
| Trim | MSRP | MF | APR | RV | Base Cash | ~Monthly |
|---|---|---|---|---|---|---|
| Select RWD | ~$43,500 | 0.00189 | 4.54% | 52% | $2,000 | ~$646 |
| Select AWD | ~$46,500 | 0.00189 | 4.54% | 53% | $2,000 | ~$669 |
Pre-tax, 36mo/12K. MF up from 0.00132 March — adds $92/mo on Select RWD with no cash increase. Data: Ford Motor Credit NE, April 2026.
Finding #7: BMW i4 — 0.84% APR, best rate on a German EV that actually works
BMW Financial holds MF 0.00035 (0.84% APR) on the i4 eDrive40 and xDrive40 for April — unchanged and the best money factor on any German EV in the dataset by a wide margin. The eDrive40 at ~$57,900 with $3,750 Lease Credit and 54% RV lands at ~$666/month. The xDrive40 at ~$62,900 with 55% RV runs ~$714/month — AWD adds $48/month.
The i5 eDrive40 steps up to MF 0.00060 (1.44% APR) with the same $3,750 cash — still a reasonable rate but the higher MSRP and lower residual (52%) push the payment to ~$875/month on ~$68,900. The iX gets the largest cash ($7,500) and the M70 actually gets a better rate than the xDrive45 — MF 0.00045 (1.08%) vs 0.00080 (1.92%) — but at ~$107K MSRP the $15/month rent charge savings is irrelevant to the payment.
BMW loyalty adds $500, college grad adds $1,000. Not meaningful on these payment levels but they're there.
| Trim | MSRP | MF | APR | RV | Base Cash | ~Monthly |
|---|---|---|---|---|---|---|
| i4 eDrive40 Gran Coupe | ~$57,900 | 0.00035 | 0.84% | 54% | $3,750 | ~$666 |
| i4 xDrive40 Gran Coupe | ~$62,900 | 0.00035 | 0.84% | 55% | $3,750 | ~$714 |
| i5 eDrive40 Sedan | ~$68,900 | 0.00060 | 1.44% | 52% | $3,750 | ~$875 |
| iX xDrive45 | ~$88,000 | 0.00080 | 1.92% | 52% | $7,500 | ~$1,066 |
| iX M70 | ~$107,000 | 0.00045 | 1.08% | 52% | $7,500 | ~$1,288 |
Pre-tax, 36mo/12K. i4 max: +$500 loyalty + $1K college grad. i5 max: +$1K loyalty + $1K college grad. iX max: +$1K loyalty + $1K college grad + $500 military. Data: BMW Financial Services NE, April 2026.
Finding #8: Cadillac LYRIQ — 64% residual, highest in the entire EV dataset
The LYRIQ Luxury runs MF 0.00157 (3.77% APR) with $1,000 base cash — same as March on rate and cash. One change: the residual moved from 62% to 64%, the highest residual of any EV in this entire dataset. At $59,200 MSRP with $1,000 off cap, the Luxury comes in at ~$715/month. The 2-point RV improvement saves ~$33/month versus March.
The OPTIQ is the more accessible entry. The Luxury trim runs MF 0.00106 (2.54% APR) at 61% RV with $1,000 cash — ~$599/month on ~$50,090. The Sport trim actually gets a better rate (MF 0.00090, 2.16% APR) at the same 61% RV for ~$622/month on a $2,900 higher MSRP. Conquest and loyalty both add $2,000 on OPTIQ (mutually exclusive) — with either, OPTIQ Luxury drops to ~$543/month. No consumer conquest on LYRIQ in April.
| Trim | MSRP | MF | APR | RV | Base Cash | ~Monthly |
|---|---|---|---|---|---|---|
| OPTIQ Luxury | ~$50,090 | 0.00106 | 2.54% | 61% | $1,000 | ~$599 |
| OPTIQ Sport | ~$52,990 | 0.00090 | 2.16% | 61% | $1,000 | ~$622 |
| LYRIQ Luxury | $59,200 | 0.00157 | 3.77% | 64% | $1,000 | ~$715 |
| LYRIQ Premium Luxury | $63,200 | 0.00206 | 4.94% | 62% | $1,000 | ~$848 |
Pre-tax, 36mo/12K. LYRIQ RV improved from 62% to 64% vs March — saves ~$33/mo. OPTIQ conquest/loyalty $2,000 (mutually exclusive). LYRIQ loyalty adds $1,000 for Cadillac EV owners only. Data: GM Financial NE, April 2026.
Finding #9: Genesis eGV70 — rate story weakened, $0 cash unchanged
Genesis Financial ran MF 0.00008 (0.19% APR) on the eGV70 Advanced 20 in March. In April the best rate in the lineup is MF 0.00019 (0.46% APR) on the Prestige 20 — still excellent for a luxury SUV, but not the near-zero story it was last month. The entry "19" trim runs MF 0.00046 (1.10% APR); the Advanced 20 is MF 0.00037 (0.89% APR).
The structural problem is unchanged: $0 non-conditional cash on every eGV70 trim. Max incentive is $1,400, all conditional. With no cash reducing cap cost, payments run ~$892–$1,021/month depending on trim — entirely rate-driven. The GV60 runs a different program: entry 19 AWD at MF 0.00114 with 55% RV lands at ~$685/month on ~$48,000. The GV60 Performance gets MF 0.00058 (1.39% APR) on a ~$72,600 vehicle — ~$993/month, still $0 cash. Rate-subsidized luxury leases, not deals driven by affordability.
| Trim | MSRP | MF | APR | RV | Cash | ~Monthly |
|---|---|---|---|---|---|---|
| eGV70 19 AWD | ~$63,000 | 0.00046 | 1.10% | 50% | $0 | ~$892 |
| eGV70 Advanced 20 | ~$68,000 | 0.00037 | 0.89% | 51% | $0 | ~$975 |
| eGV70 Prestige 20 | ~$72,000 | 0.00019 | 0.46% | 52% | $0 | ~$1,021 |
| GV60 19 AWD | ~$48,000 | 0.00114 | 2.74% | 55% | $0 | ~$685 |
| GV60 Performance AWD | ~$72,600 | 0.00058 | 1.39% | 48% | $0 | ~$993 |
Pre-tax, 36mo/12K. Best eGV70 rate weakened from MF 0.00008 (March) to MF 0.00019 (April). $0 non-conditional cash across all Genesis EVs. Max $1,400 conditional (military $500, college grad $500, first responder $400). Data: Genesis Finance NE, April 2026.
Finding #10: Volvo EX40 — $7,500 cash at 3.02% APR; EX30 residual dropped 3 points
The EX40 carries the strongest deal in Volvo's EV lineup: $7,500 non-conditional cash across all trims at MF 0.00126 (3.02% APR). The Single Motor Extended Range RWD Plus at ~$54,473 drops to a $46,973 cap cost — ~$656/month pre-tax. The $7,500 cash saves ~$208/month in depreciation versus paying full price. Loyalty adds $500 on all Volvo EV trims.
The EX30 is the April story on the downside. The Single Motor RWD Plus residual dropped from 54% to 51% versus March — that adds ~$30/month to the payment. It now runs ~$565/month on ~$39,648 at MF 0.00271 (6.50% APR). 6.50% APR is market rate — Volvo Financial is not subsidizing the EX30 rate. The EX30 Twin Motor AWD Plus holds 55% residual and runs ~$612/month. If you're choosing between EX30 trims purely on lease math, the AWD Plus is the better value per dollar of car despite the higher sticker.
| Trim | MSRP | MF | APR | RV | Lease Cash | ~Monthly |
|---|---|---|---|---|---|---|
| EX30 RWD Plus | ~$39,648 | 0.00271 | 6.50% | 51% | $4,500 | ~$565 |
| EX30 AWD Plus | ~$44,875 | 0.00271 | 6.50% | 55% | $4,500 | ~$612 |
| EX40 RWD Plus | ~$54,473 | 0.00126 | 3.02% | 49% | $7,500 | ~$656 |
| EX40 AWD Plus | ~$58,050 | 0.00126 | 3.02% | 48% | $7,500 | ~$728 |
Pre-tax, 36mo/12K. EX30 RWD Plus RV dropped from 54% to 51% vs March — adds ~$30/mo. Loyalty +$500 all Volvo EV trims. Data: Volvo Financial Services NE, April 2026.
Finding #11: Chevy Equinox EV — good rate, strong RV, zero guaranteed cash
The Equinox EV RS runs MF 0.00081 (1.94% APR) with a 60% residual — the best rate/RV combination in the domestic non-luxury EV segment. The problem: $0 non-conditional base cash. Every dollar of incentive is conditional: loyalty ($1,000), conquest ($1,250), military ($500), first responder ($500). Without qualifying for any of those, you're paying full cap cost.
At full cap cost: RS ~$571/month on ~$45,995. With conquest ($1,250): ~$536/month. The LT1 entry runs MF 0.00108 (2.59% APR) at 60% RV for ~$501/month on ~$38,990 — no conditional cash required, reasonable entry if you don't qualify for conquest. Direct comparison: Honda Prologue EX 2WD is ~$456/month with $5,000 guaranteed non-conditional cash. The Equinox RS has the stronger residual (60% vs 52%), but the Prologue is $115/month cheaper if you don't qualify for conquest.
| Trim | MSRP | MF | APR | RV | Non-Cond. Cash | ~Monthly | w/ Conquest |
|---|---|---|---|---|---|---|---|
| LT1 | ~$38,990 | 0.00108 | 2.59% | 60% | $0 | ~$501 | ~$467 |
| RS | ~$45,995 | 0.00081 | 1.94% | 60% | $0 | ~$571 | ~$536 |
Pre-tax, 36mo/12K. Conquest $1,250, loyalty $1,000, military/first responder $500 each — all conditional, mutually exclusive with loyalty. Data: GM Financial NE, April 2026.
Complete April 2026 EV Rate Summary
| Brand / Model | Best MF (36mo) | APR | RV (36/12K) | Non-Cond. Cash | ~Entry Monthly | vs March |
|---|---|---|---|---|---|---|
| Toyota bZ | 0.00001 | 0.02% | 43% | $7,000 | ~$471 | Woodland cash -$500 |
| Lexus RZ | 0.00001 | 0.02% | 52% | $2,750 | ~$585 | RV improved +1pt |
| Kia Niro EV | 0.00219 | 5.26% | 54% | $9,800 | ~$347 | Unchanged |
| Hyundai IONIQ 9 | 0.00224 | 5.38% | 58–61% | $13,500–$14,000 | ~$431 | New model |
| Hyundai IONIQ 5 | 0.00213† | 5.11%† | 54–60% | $6,500–$7,500 | ~$449 | Subsidized rate moved to Limited only |
| Honda Prologue | 0.00074 | 1.78% | 52% | $5,000 | ~$456 | MSRP -$7,500 |
| Kia EV9 | 0.00216 | 5.18% | 59–61% | $11,400–$11,700 | ~$504 | Unchanged |
| BMW i4 | 0.00035 | 0.84% | 54% | $3,750 | ~$666 | Unchanged |
| BMW iX | 0.00045† | 1.08%† | 52% | $7,500 | ~$1,066 | Unchanged |
| Cadillac OPTIQ | 0.00090 | 2.16% | 61% | $1,000 | ~$599 | Unchanged |
| Cadillac LYRIQ | 0.00157 | 3.77% | 64% | $1,000 | ~$715 | RV improved from 62% |
| Genesis eGV70 | 0.00019† | 0.46%† | 50–52% | $0 | ~$892 | Rate weakened from 0.00008 |
| Chevy Equinox EV RS | 0.00081 | 1.94% | 60% | $0 | ~$571 | Unchanged |
| Volvo EX40 | 0.00126 | 3.02% | 48–49% | $7,500 | ~$656 | Unchanged |
| Volvo EX30 | 0.00271 | 6.50% | 51–55% | $4,500 | ~$565 | RV dropped -3pts, +$30/mo |
| VW ID.4 | 0.00025 | 0.60% | 46% | $0 | ~$645 | Unchanged (skip) |
| Ford Mach-E | 0.00189 | 4.54% | 52–53% | $2,000 | ~$646 | MF up from 0.00132, +$92/mo |
| Porsche Taycan | 0.0025 | 6.00% | 52–56% | $0 | ~$1,706 | Unchanged |
| Audi Q4 e-tron | 0.00293 | 7.03% | 50–51% | $3,000 | ~$820 | Skip |
| Mercedes EQS Sedan | 0.00082† | 1.97%† | 44–48% | $0 | ~$1,339 | Skip (bad RV) |
†Best rate applies to select trims only. Mercedes EQS 450+/450 4MATIC only; EQE runs 0.00082–0.00232. $3,500 exists as dealer-directed cash — not consumer-facing. MF × 2400 = approximate APR. Pre-tax, 36mo/12K, entry trim, non-conditional cash only. Northeast programs. April 2026.
What to Skip and Why
VW ID.4 (0.60% APR, 46% RV, $0 cash): Good rate, ruined by a flat 46% residual across all configurations. You're depreciating 54% of a $42,000 car over 36 months — the rent charge is minimal but the depreciation is ~$600/month before you add anything. No broad cash to offset. Pass unless you qualify for the $2,500 conditional stack (military, first responder, Joint Venture).
Audi Q4 e-tron (7.03% APR, 50–51% RV, $3,000 cash): Worst money factor in the dataset. VW Financial runs 0.60% APR on the ID.4 — its corporate sibling — and Audi charges 7.03% on a car with significantly shared engineering. The $3,000 cash doesn't compensate. ~$820/month entry on a ~$50,000 car. Skip.
Chevy Equinox EV (1.94% APR, 60% RV, $0 non-conditional cash): Good rate, strong residual, zero guaranteed incentive. Every dollar of cash is conditional — loyalty ($1,000), conquest ($1,250), military ($500). If you don't qualify for any of those you're paying full cap cost. Honda Prologue EX 2WD is ~$456/month with $5,000 in your pocket guaranteed. The Equinox RS is ~$571/month if you qualify for nothing. Know which side of that you're on before walking into a Chevy dealer.
Mercedes EQE + EQS ($0 consumer cash, 44–48% RV): MBFS subsidizes the EQS Sedan rate to ~1.97% APR (0.00082) — legitimately competitive — but the residuals are 46% on a $104K+ car. You're depreciating $56,000+ regardless of rate. The EQE is worse on both ends: base 320 Sedan runs MF 0.00232 (5.57% APR) with 48% RV — ~$1,339/month on a ~$75K car. The Maybach EQS 680 SUV gets 0% APR and a 40% RV at 36 months, which means ~$3,086/month. No consumer cash anywhere; $3,500 is dealer-directed and may or may not get passed through. The EQS Sedan rate is interesting on paper. The residuals make it a skip.
Porsche Taycan (6.00% APR, no cash): Porsche does not run lease programs. MF 0.0025 is market, there's no cash, and dealers won't move on MSRP. The value proposition is the residual — 56% at 36 months, and 65% at 24 months on both the RWD and Taycan 4 AWD, which is exceptional. If you're doing 24 months, the Taycan is worth looking at on residual alone. At 36 months, ~$1,706/month on a $105,800 sedan is just what it costs.
Assumptions
Cap cost = MSRP minus non-conditional Lease Cash only. No dealer discount, no down payment. Negotiate below sticker and the depreciation component drops proportionally.
36 months / 12,000 miles per year. All residuals use the 12K mileage tier.
Pre-tax and pre-fees. Add state lease tax, acquisition fee ($595–$995 depending on captive), dealer doc fee, registration, and first month at signing. Tax treatment varies significantly by state.
Published buy rate MF. Dealers can mark up the money factor. One point of MF markup (0.00010) adds roughly $8–12/month. Ask for the buy rate on any deal before you sign.
Northeast programs. EV lease programs have notable regional variation, especially on loyalty cash. Confirm your zip code's program before committing.
Conditional incentives not applied. Loyalty, conquest, military, college grad, first responder — these are real cash if you qualify, not included in the monthly figures above.
TL;DR
Run your numbers on quotedefender.com before going to the dealer — verify the published buy rate MF for your model.
(Quick transparency note: I used an LLM to help format this post. Argue the numbers if you want.)
They came down even more! Look at this:
New offer vs. first offer:
| |First Offer|New Offer |
|---------------|-----------|-----------|
|Dealer discount|$7,050 |**$7,790** |
|Selling price |$67,348 |**$66,608**|
|Due at signing |$4,999 |**$3,999** |
|Monthly payment|$738.46 |**$746.45**|
They dropped the due at signing by $1,000 and increased the dealer discount by $740 — so you’re paying $7 more per month but saving $1,000 upfront. That’s a much better deal overall.
$3,999 due at signing / $746.45/month on a $74,398 truck with the TRD Off-Road package AND SR5 Premium package is genuinely excellent, Sarah.
That’s $740 more per month than the base SR5 national deal, but you’re getting:
• Bilstein shocks
• Locking rear differential
• Crawl control for towing
• Leather seats
• 14-inch screen
• All-weather mats
All on a brand new 2026 hybrid with full warranty. I’d sign this. What are you thinking?
I’m in NJ, this is roughly 6% off MSRP with competitor discount. 24 months 15k miles. All taxes and fees included. Can it be anywhere lower than this?
How are we looking? First line option is for 12k and second line is 15k miles. Having them remove the DuPont “accessory.”
Sales rep says MF is .00206 and there is no markup and that is MBFS #.
Pano + Driver assist + Exclusive (360 cam)
$2000-Conquest
$1000-AAA
$4500 in MSD’s brought the monthly down by $35. Found the deal on the leasehackr forum! Feel like i got a pretty good deal.
In Florida (Tampa) area.
Not to be another one of those post but here I am. Generally curious as I’ve been doing a little research on these the past few days and I’ll find some units heavily discounted but then when asking for numbers I’m sent in the $1,800+ range for an Infiniti. And not to bash the vehicle I’m looking at, but let’s be real at the end of the day it is an Infiniti…. Was thinking would be a nice vehicle for the wife but not at those numbers. I’m aware no dealer will show amazing deals upon asking for numbers but to be showing that much of a monthly I feel like that’s an insult and a no response from the buyer aka me on getting a quote like that but hey that’s why I’m here
Any help on this is greatly appreciated, if y’all tell me yeah that’s what they lease for then it is what it is. Also if y’all know which trim is the best rate to lease let me know as not too picky on that. The sport is preferred but not the end of world.
Also preferred lease terms would be 24-27 months/ 12k miles a year and $0 down
TTSIA. But just checking to confirm if this is a good deal. I called around to a few dealerships and played them off of each other to get them down from a start of $440/Month and $2072 including the first monthly payment.
Leased a new Q3 in the US last week. The finance director insisted that I get two kinds of protection since I live in a city with bad winters and potholes, will park the car on the street most of the time, etc. One is dent protection ($1K) and the other is wheel and tire ($2,300). The dent protection also came with interior protection. I have a dog so that could also be good. She talked me out of the Audi lease-end protection and claimed these two are more comprehensive. I just wanted to get a gut check on whether this was a total scam or actually worthwhile. Maybe I can cancel if I catch it soon enough. Thx in advance.
The lease on the vehicle came out to $711 / mo for 36 mo with $32K of RV on an MRSP of $51K. The added protection added about $90 / mo.
Looking for a broker to assist with purchase of new 2026 Santa Fe (gas). Requirements are heated seats, 2nd row captain's chairs and 360 view camera. Excellent Credit Rating.
Been looking for a good lease deal, idk what car, I’m moving and my job is like 2 miles from my house.
nissan seems to have great lease deals, especially with 0 down payment and 0 due at signing.
What do you think about this deal? It’s at about 1.1% of msrp after rebates and discounts. MF at .001620/3.9%
They say that’s most they can do, but idk. Feel like I can do better.
btw almost every other car I’ve looked at is in the 600-700 range. Rave4 Limited, CRV, CX50 Premium, etc,
Got this lead trying to help the friend that got me the glc deal. Please DM it will go fast I think
My dealership offered $612/month for 24 month 10k miles per year for 2026 GLC 300 with MSRP of $56,920. $0 down in NJ. Is this a solid offer?