August 2026 broker deals ranked by true effective cost (monthly + DAS + broker fee, all in)
Back with the August version. I went through 50 broker deals posted for this month and ranked them by what the lease actually costs, not the advertised payment. Same math as the July post, and by popular demand there is now a region column.
Quick refresher on why: monthly payment alone tells you nothing. One broker this month is advertising a GLA at $159/mo with $3,500 due at signing. Another has a QX60 at $429/mo with zero down. You cannot compare those numbers as posted, so I flatten everything into one figure.
True effective cost = (every monthly payment + due at signing + broker fee) / months in term
Then divide by MSRP to grade the deal. The old rule of thumb is that around 1% of MSRP per month is a solid lease, and under 0.8% is where it gets genuinely good. These are the brokers' own advertised numbers, I just ran the math on all of them.
| # | Vehicle | Advertised | Term | MSRP | DAS | Fee | Broker | Region | True cost/mo | % of MSRP |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2024 Mercedes S63 AMG | $1,095 | 39mo, 7.5k | $213,785 | $899 | $0 | BenzOrNothing | Nationwide | $1,118 | 0.52% |
| 2 | 2025 Hyundai Ioniq 5 SE AWD | $299 | 36mo, 7.5k | $52,000 | $299 | $499 | Autologicx | NJ/NY | $321 | 0.62% |
| 3 | 2021 Porsche Taycan Turbo S | $1,215 | 24mo, 7.5k | $227,040 | $5,000 | $599 | Coastal Motor Group | CA | $1,448 | 0.64% |
| 4 | 2026 Mercedes GLA 250 FWD | $159 | 24mo, 7.5k | $51,000 | $3,500 | $699 | GCauto | CA | $334 | 0.65% |
| 5 | 2026 Ram 1500 Big Horn 4x4 | $359 | 39mo, 7.5k | $64,200 | $1,859 | $699 | Auto Ninjas | South | $425 | 0.66% |
| 6 | 2026 Mercedes GLB 250 | $159 | 24mo, 7.5k | $46,460 | $3,500 | $599 | Coastal Motor Group | CA | $330 | 0.71% |
| 7 | 2027 Infiniti QX60 Autograph AWD | $337 | 24mo, 10k | $71,800 | $3,538 | $699 | GCauto | South | $514 | 0.72% |
| 8 | 2027 Infiniti QX60 Luxe AWD | $272 | 24mo, 10k | $62,400 | $3,492 | $699 | GCauto | South | $447 | 0.72% |
| 9 | 2026 Infiniti QX60 Luxe AWD (bench seat) | $429 | 24mo, 10k | $62,000 | $0 | $499 | Autologicx | NJ/NY | $450 | 0.73% |
| 10 | 2022 Porsche Cayenne Turbo S | $1,099 | 12mo, 15k | $214,000 | $5,000 | $599 | Coastal Motor Group | CA | $1,566 | 0.73% |
| 11 | 2026 BMW i7 eDrive50 (w/ loyalty) | $741 | 36mo, 7.5k | $117,000 | $3,500 | $699 | GCauto | CA | $858 | 0.73% |
| 12 | 2026 Mercedes C 300 | $209 | 24mo, 7.5k | $52,000 | $3,500 | $699 | GCauto | CA | $384 | 0.74% |
| 13 | 2026 BMW i4 xDrive40 | $450 | 36mo, 7.5k | $67,500 | $899 | $999 | CarQ | CT/NJ/NY/PA | $503 | 0.74% |
| 14 | 2026 Mercedes S 500 | $749 | 13mo, 7.5k | $143,000 | $3,500 | $699 | GCauto | CA | $1,072 | 0.75% |
| 15 | 2026 Hyundai Ioniq 5 SE AWD | $387 | 36mo, 7.5k | $65,050 | $3,000 | $699 | GCauto | CA | $490 | 0.75% |
| 16 | 2027 Infiniti QX60 Luxe FWD | $281 | 24mo, 10k | $60,100 | $3,479 | $699 | GCauto | South | $455 | 0.76% |
| 17 | 2026 Ram 1500 Big Horn 4x2 | $396 | 39mo, 7.5k | $61,000 | $1,896 | $699 | Auto Ninjas | South | $463 | 0.76% |
| 18 | 2026 Jeep Compass Limited | $409 | 36mo, 7.5k | $57,000 | $409 | $499 | Autologicx | NJ/NY | $434 | 0.76% |
| 19 | 2026 BMW i7 eDrive50 | $827 | 36mo, 7.5k | $115,000 | $899 | $999 | CarQ | CT/NJ/NY/PA | $880 | 0.76% |
| 20 | 2025 Jeep Grand Cherokee Limited 4x4 | $372 | 36mo, 7.5k | $57,900 | $1,872 | $699 | Auto Ninjas | South | $443 | 0.77% |
| 21 | 2026 Ram 1500 Laramie 4x4 | $565 | 39mo, 7.5k | $83,000 | $2,065 | $699 | Auto Ninjas | South | $636 | 0.77% |
| 22 | 2025 Jeep Grand Cherokee L Altitude 4x2 | $286 | 36mo, 7.5k | $46,300 | $1,786 | $699 | Auto Ninjas | South | $355 | 0.77% |
| 23 | 2026 Mercedes CLA 250 | $189 | 24mo, 7.5k | $47,000 | $3,500 | $699 | GCauto | CA | $364 | 0.77% |
| 24 | 2026 Mercedes GLC 300 4Matic | $259 | 24mo, 7.5k | $56,000 | $3,500 | $699 | GCauto | 27 states | $434 | 0.77% |
| 25 | 2026 Mercedes GLC 300 | $229 | 24mo, 7.5k | $52,000 | $3,500 | $699 | GCauto | CA | $404 | 0.78% |
| 26 | 2026 BMW i7 eDrive50 | $794 | 36mo, 7.5k | $117,000 | $3,500 | $699 | GCauto | CA | $911 | 0.78% |
| 27 | 2025 Jeep Grand Cherokee L Altitude X 4x2 | $317 | 36mo, 7.5k | $49,200 | $1,817 | $699 | Auto Ninjas | South | $387 | 0.79% |
| 28 | 2026 Mercedes GLA 250 SUV | $179 | 24mo, 7.5k | $44,430 | $3,500 | $599 | Coastal Motor Group | CA | $350 | 0.79% |
| 29 | 2026 BMW 740xi | $802 | 39mo, 10k | $108,000 | $899 | $999 | CarQ | CT/NJ/NY/PA | $851 | 0.79% |
| 30 | 2026 Volvo XC60 T8 Plus PHEV | $436 | 36mo, 7.5k | $68,250 | $3,000 | $699 | GCauto | 30 states | $539 | 0.79% |
| 31 | 2026 Hyundai Ioniq 9 SEL AWD | $399 | 36mo, 7.5k | $68,700 | $4,463 | $699 | GCauto | South | $542 | 0.79% |
| 32 | 2025 BMW i7 xDrive60 | $978 | 36mo, 7.5k | $130,000 | $899 | $999 | CarQ | CT/NJ/NY/PA | $1,031 | 0.79% |
| 33 | 2026 Hyundai Ioniq 9 SE AWD | $380 | 36mo, 7.5k | $65,350 | $4,362 | $699 | GCauto | South | $521 | 0.80% |
| 34 | 2026 Volvo XC60 T8 Ultra Black | $492 | 36mo, 7.5k | $74,000 | $3,000 | $699 | GCauto | CA | $595 | 0.80% |
| 35 | 2026 Mercedes GLA 250 FWD | $179 | 24mo, 7.5k | $44,000 | $3,500 | $699 | GCauto | CA | $354 | 0.80% |
| 36 | 2026 Volvo XC60 T8 Ultra | $502 | 36mo, 7.5k | $75,000 | $3,000 | $699 | GCauto | 30 states | $605 | 0.81% |
| 37 | 2026 Hyundai Ioniq 9 S RWD | $360 | 36mo, 7.5k | $61,600 | $4,308 | $699 | GCauto | South | $499 | 0.81% |
| 38 | 2026 Hyundai Ioniq 5 SEL AWD | $465 | 36mo, 7.5k | $69,700 | $3,000 | $699 | GCauto | CA | $568 | 0.81% |
| 39 | 2026 BMW 760xi | $988 | 39mo, 7.5k | $127,000 | $899 | $999 | CarQ | CT/NJ/NY/PA | $1,037 | 0.82% |
| 40 | 2025 BMW X1 xDrive28i | $360 | 39mo, 10k | $50,600 | $1,099 | $999 | CarQ | CT/NJ/NY/PA | $414 | 0.82% |
| 41 | 2026 Mercedes GLE 450 SUV | $455 | 24mo, 7.5k | $77,000 | $3,500 | $699 | GCauto | CA | $630 | 0.82% |
| 42 | 2027 Infiniti QX60 Luxe AWD | $322 | 24mo, 10k | $61,000 | $3,361 | $899 | Steller Auto Sourcing | NJ/NY/PA | $500 | 0.82% |
| 43 | 2026 Volvo XC90 T8 Core PHEV | $533 | 36mo, 7.5k | $77,500 | $3,000 | $699 | GCauto | 30 states | $636 | 0.82% |
| 44 | 2026 Jeep Wrangler Rubicon X 4dr | $470 | 36mo, 7.5k | $66,100 | $1,970 | $699 | Auto Ninjas | South | $544 | 0.82% |
| 45 | 2026 Mercedes GLE 350 RWD | $385 | 24mo, 7.5k | $68,000 | $3,500 | $699 | GCauto | CA | $560 | 0.82% |
| 46 | 2026 Volvo XC90 T8 Plus 7-seat PHEV | $558 | 36mo, 7.5k | $80,200 | $3,000 | $699 | GCauto | 30 states | $661 | 0.82% |
| 47 | 2025 Volvo EX90 Twin Motor Plus 7P AWD | $479 | 36mo, 7.5k | $82,090 | $6,220 | $899 | Steller Auto Sourcing | NJ/NY/PA | $677 | 0.82% |
| 48 | 2026 Volvo XC60 T8 Core PHEV | $413 | 36mo, 7.5k | $62,500 | $3,000 | $699 | GCauto | CA | $516 | 0.83% |
| 49 | 2026 Kia EV9 Wind Long Range AWD | $442 | 24mo, 10k | $66,700 | $1,942 | $699 | Auto Ninjas | South | $552 | 0.83% |
| 50 | 2026 Mercedes GLC 300 RWD | $249 | 24mo, 7.5k | $51,000 | $3,500 | $699 | GCauto | CA | $424 | 0.83% |
A note on the region column: that is where the deal is written, but several of these brokers deliver multi-state (the 27 and 30 state entries are exactly that), so ask about shipping before ruling anything out.
A few things that jumped out this month:
The S63 at the top is not a typo. $1,118 all-in effective on a $213,785 sticker works out to 0.52% of MSRP, there is no broker fee, and it is available nationwide. If you have been waiting on an excuse to drive an S63 for less than most people pay for an X5, this is it.
The Ioniq 5 SE at #2 is the value play of the month for normal humans. $321 effective on a $52k sticker with only $299 due at signing, NJ/NY only though.
Watch the $3,500 DAS pattern. A lot of the Mercedes deals advertise eye-catching payments ($159, $189, $209) but carry $3,500 due at signing. The GLA at $159/mo is really a $334/mo car once you spread that out. Still a good deal at 0.65%, just not a $159 deal.
BMW is clearly stuffing cash on the 7 series. Six of them made the list: three i7 eDrive50s, an i7 xDrive60, a 740xi, and even a 760xi. That is a $108k to $130k car in the mid $800s to low $1,000s effective. The best i7 number requires loyalty, so check if you qualify before getting excited.
Volvo is quietly dumping PHEVs. Seven Volvos on the list, all in the bottom half: four XC60 T8s, two XC90 T8s, and an EX90. None of them are spectacular but a three-row plug-in XC90 in the low $600s effective is a fine family car number, and most of them ship to 30 states.
Usual caveats: these are advertised numbers, so taxes and regional fees vary and some DAS figures include the first payment while others do not, which can swing a deal by roughly one payment either way. Loyalty and conquest requirements apply on some. Confirm shipping or pickup costs before you fall in love with anything. Some of them seem to include MSD's too.
Happy to run the math on any deal posted in the comments.