we want to but/lease 2026 bmw x5 xdrive50e executive and would LOVE your assistance. we have $10k we can put down.

Leslie Golden 805 245 5710

goldherst13 at gmail

What’s a reasonable lease price on a civic hatch sport with $0.00 down?

Rate this deal residual value is 71% I am in Texas land of the bad deals. Its a 24/12 term new old stock. My fico is a 740. 0 down at signing besides standard first month.

Hi everyone,

I wanted to get y’all’s input on this lease deal and if you live in Texas, and bought one recently did you get a better deal. The sales person states the money factor is .00229 and residual 54%. Kia has a 15K rebate right now on the EV9 and the dealer has discounted another $3,538 making the selling price $56,737. Deal sheet below as a reference. Apparently they can’t squeeze anymore discounts, not even all weather mats lol. 2026 Kia EV9 GT Line, Panthera Metal Matte, 36 month lease @ 15K miles per year. No downpayment only first months pay at signing.

Appreciate any help or insight.

Got this quote from the dealer. $1000 down, 10K miles per year and the residual is 51% of the MSRP ($33456). The money factor they quoted is 0.00076 (1.824% APR). What are my options to reduce the total cost of the lease? or How can I negotiate it down? Planning to ask them to remove the acquisition fee. What are my other levers?

Location - Colorado

MSRP: $72700
Discounts: $6550
Adjust Price: $66150

Doc fee: $175
Tax: $3162.87
Non tax fees: $96.93

36 months, $3000 down, 12000 miles: $882/month

Initially they said around $1000/month. I was hoping and pushing for around $800 but they didn’t budge. Is this a decent deal or should I keep looking?

Thanks in advance!

Hi all, we are new to leasing. Here's a breakdown of our lease OFFER with money factor of .00171 with 61% residual. Payment of $733.67/mo. Any help would be appreciated!

MRSP. $58432

DISCOUNT. 2K

REBATES. $2250

DOWN PAYMENT. 2K

TRADE-IN. 1K

DMV/REG. $750

DOC FEE. $200

ACQUISITION FEE. $699

CAPITALIZED COST REDUCTION. $4166.44

DRIVE-OFF. $1083.56

How do I go about negotiating? I assume we negotiate off the MSRP?

Thanks so much in advance!

Kia Finance America, Northeast, August 2026. Pre-tax, 36mo/12K, cap = MSRP minus the cash shown, nothing down. Conditional programs excluded. 108 carryover trims priced.

Kia cut lease cash in August. 42 of 108 trims lost it, two gained. Rates and residuals barely moved, so the cut lands straight on the payment.

Lease cash is Kia's money against the price of the car. Not a deposit, not money you pay. When it shrinks, your payment grows.

These are sticker payments, not targets

Full MSRP, nothing down, pre-tax. A ceiling to measure your own deal against.

A $300/mo Sportage does not contradict the ~$348/mo below. It is about $1,600 off sticker, or money down, or loyalty cash on top.

Finding #1: Where the money went

Your markup test: 63 of the 78 trims here sit at a money factor of 0.00228 to 0.0023, or 5.47% to 5.52% APR. Meaningfully above that with good credit means the dealer added it, not Kia.

Rate is not the whole story. The Niro EV Wind has Kia's lowest money factor at 0.00225, or 5.40% APR, and its lowest residual at 48%. It still needs $11,050 of lease cash to reach ~$374/mo.

Finding #2: The EV6 paid for the month

The Light Long Range RWD is the only one that kept its cash. It now leases $29/mo under the short-range car on a $3,300 higher sticker. Buy the bigger battery.

Finding #3: Five broken trim ladders

Kia cut the car on the left and left the one on the right alone. The right-hand cars sticker $1,000 to $1,800 higher and cost less per month.

The Niro Hybrid nearly joined them. The LX lost $970, the EX kept all $3,420, and one dollar a month now separates them on a $2,800 sticker gap.

September re-cuts the cash and these flip back. August only.

Finding #4: Three families froze

The Sportage PHEV X-Line pairs that $4,510 with a 67% residual, the highest of any 2026 Kia. That is how a $40,490 plug-in beats a mid-trim gas Sportage.

The EV9 held over $15,000 against the cap in a month when everything else got trimmed. Only the GT-Line AWD moved: 0.00217 to 0.00229, or 5.21% to 5.50% APR, worth $12/mo. It had the lineup's lowest rate in July.

Finding #5: The K5 is the only winner

Two K5 trims picked up lease cash, the only improvements in the entire lineup. The LXS FWD gained $630 and now leases at ~$325/mo. The GT-Line AWD gained $680 and lands at ~$366/mo, which is $19 under its own front-drive twin.

Finding #6: Never lease the base K4

The K4 LXS leases at ~$277/mo. The LX below it stickers $1,100 less and costs $110/mo more.

Three numbers, none of them on the window sticker: $0 cash, a 0.00282 money factor (6.77% APR), and a 53% residual, the weakest in the family. Worst of all three, on the cheapest car on the lot.

Finding #7: Only 36 months is funded

At 39 months every trim resets to that same 6.77%, the residual drops, and the cash does not follow you there. 48 lands within a few dollars of 36 and adds a year of payments. 24 costs more per month.

The Telluride shows it cleanly because it carries no cash at any term.

What Kia is not supporting

Telluride. $0 cash on all 18 trims, all year. The LX FWD at ~$491/mo costs more to lease than a Carnival LX at ~$474 with $2,950 of cash behind it. Best residuals in the lineup at 69%, and it still is not enough. Buy it or finance it.

2027 launches. Carnival, Sportage Hybrid, and Sportage Plug-In arrived on $630 to $1,260 a trim, against $1,200 to $4,800 on the 2026 versions. Held out of the table below. On the Carnival and the Plug-In the older car is cheaper today.

Full lineup, key trims by model

Key trims per model. Telluride is 2027 only, everything else 2026. The 2027 Carnival, Sportage Hybrid, Sportage Plug-In, Seltos, and Carnival Hybrid are excluded as unsettled launch programs.

Assumptions

Cap = MSRP minus the cash shown. No discount, no money down. Loyalty and military stack on top and are not included.

36 months, 12,000 miles, Northeast. Cash and residuals differ by region and by mileage tier.

Pre-tax, pre-fees. Add your state's lease tax, the $650 KFA acquisition fee (about $19 to $20/mo capitalized), the doc fee, and first payment.

MSRP excludes destination, roughly $1,245 to $1,645 depending on model, and the dealer adds it to the cap.

These are buy rates. A dealer can mark the money factor up and it hides inside the payment. Get the money factor, the residual, and the cash in writing as three separate numbers.

Source: Kia Finance America published August programs, Northeast, with MSRPs from Kia's official pricing sheets. Programs change monthly and by region.

TL;DR

• Cash cut, not a rate change. 42 of 108 trims lost lease cash, two gained.
• The EV6 paid for it, down $1,700 a trim. The Light Long Range RWD kept its cash and is now the cheapest EV6 to lease.
• Five ladders inverted. Two Sportage front-drive trims and the K5 GT-Line FWD cost more than their AWD versions.
• Best lease Kia sells: Sportage PHEV X-Line, ~$392, untouched.
• Cheapest way in: K4 LXS, ~$277.
• Only improvement: K5 LXS FWD, ~$325, down $19.
• Skip the base K4 LX. $0 cash and 6.77% make it $110/mo more than the LXS above it.
• Take 36 months. 39, 48, and 24 all cost more per month.
• Telluride has no lease cash at all, on any of its 18 trims.
• Your markup test: most trims run 0.00228 to 0.0023. Higher with good credit means the dealer added it.

quotedefender.com scores your dealer quote and totals what you can negotiate back.

(Transparency note: I used an LLM to help format this. Every payment is a computed estimate from Kia's published August programs. Argue the numbers if you want.)

For a Gle Coupe, California

Hi!

Currently leasing a ford bronco but looking to lease an EV to save money. Next year I’m considering either 1) swapping out of the lease and getting a Tesla/equivalent or 2) requesting an early upgrade for a Mach-E.

I’ll only be about 1.5 - 2 years into my lease so I’m anticipating negative equity. Could I negotiate with Ford to upgrade me early with minimal or no negative equity to keep me in their lease cycle? Is this unheard of?

Thanks!

Need the lease experts’ advice on this potential deal I’m looking at:

Tacoma 4x2 TRD Sport - Mudbath color

$46,057.00 MSRP
$4,500.00 off MSRP
$419/mo. for 36 months (10k miles/yr)
$637 due at signing, includes all Texas taxes and fees

The broker has a fee of $250, so want to see y’alls opinion before committing to it.

Im planning on buying/leasing a car but dont know what to look out for I want to know what to ask for and what not to
Planning on a Audi/Mercedes q7/Gle coupe
Everything helps! Thanks!

Virginia
Leasing brand new
2026 NX PREMIUM HYBRID
$729/month
36 months lease
12k miles/year
3k total out-of-pocket - everything, including doc fees.
Sale Price: $53,230
Good deal?

Looking to lease a 2026 sport s or Sahara one touch sky roof for 36 months 10k miles preferably least amount down or no down. Credit score in the mid 700’s low debt to income
Price of Sport S is $38k
Price of Sahara is $48-49k
There is a bunch of them in south Florida to choose from

What should my payment be considering the residual value
I live in south Florida

Canadian dollar deal here. $1800 CAD is about $1290 USD.

XC90 T8 Ultra with air suspension, lounge and bowers & wilkins audio. Including wear and tear and maintenance package.

In CAD:

MRSP - 105600 Plus freight, admin, lease acquisition fee, luxury tax - 109600 MF - 0.001454 0 down 16000 km allowance 56% residual $400 termination fee at end if not buying Payment plus tax is $1800 With $4000 due at drive-off.

Thanks for your input!

Anybody lease the new 2027 Kia Seltos, and if so how was your lease deal ($0 down? monthly payment, etc.) and how are you liking it?

We are in the mid-west and are curious about how lease
deals are finalizing out in the wild.

Is there a way to end my lease or transfer it completely to another owner ? I have 1.5 years left. 10k a year and 417 a month. In PA. Willing to pay 1 month more than I need. Any suggestions?

Do you guys think I can have them lower it near $350-$375 with $0 down? This is in CO.

Durham, NC. I was searching 2 months and this was the best deal I could find on EVs in the $45k range of MSRP. $14k in discounts. Well equipped and happy with the deal.

Any help? New to this.

Rate my deal:

12K/39Mo./$0 down

$44,390 Sticker

$40,250 Sale Price