r/leasehacker

First time leasing and did a lot of homework and research but need some help. Looking for feedback on this 2026 Kia EV9 GT-Line lease deal in Washington.

24 months / 15k miles
$0 DAS / true sign-and-drive
MF: .00191
Residual: 64%
MSRP: $74,115
Dealer discount: 5% ($3,705)
Lease cash: $13,400
Monthly: $878 incl WA tax

No add-ons and MF appears to be base.

I know WA taxes are higher and this is 15k miles, so curious if people think there’s realistically more room here (targeting closer to 7% dealer discount / low $800s) or if this is already pretty competitive?

I am a broker and got two cars of new 2026 MB GLC300 SUV 4MATIC $470 plus tax, 24 mo, 15k miles/year, first monthly out of pocket only.

Located in Southeastern region.
Shipping on your own.
$750 broker fee.

All cars are gone. Sorry

First deal on here! Let me know any feedback! 😄
MSRP: $68,340
Term: 36 Months
Mileage: 10,000/year
Monthly Payment: $471/m + taxes
Due at Signing: $2,000 total drive-off
Region: California
Broker fee: $499
Feel free to PM me with:
• ZIP code if you prefer a tax included quote
• Lease structure preferences (0 DAS/12/15k miles, etc)
• Current competing offers

Even if you’re still shopping around, I’m always happy to help answer questions or compare numbers.

Youssef
Torqued Auto Imports LLC

I have had Mazdas for years. Owned them when I was younger (Tribute and 3), then leased several (back to back CX-5s). I wanted to try something new, so leased a 2023 Bronco Sport. Not a fan of it. Rattling noises, sluggish, the infotainment system, etc.

My lease is up on July 4th. I am curious of any deals or suggestions. I'm a guy, 6 ft 2, 180 lbs. I use the vehicle to haul things for my nonprofit (big boxes of supplies), and to run home improvement items back and forth on occasion to my cabin (ladders, toolboxes, etc.).

My budget is in the Mazda CX-5, Bronco Sport range, if possible. Thanks in advance for any tips. One note, parking is semi tight at my place, so I can't do a vehicle that is too much larger than the Bronco Sport.

Rates from KMF (Kia Motors Finance) Northeast region, May 2026. Payments pre-tax, 36mo/12K miles, cap = MSRP − Lease Cash only. Conditional programs (military adds $500 on most trims) not included. MSRPs confirmed from KMF May 2026 rate sheets.

The big structural change this month: EV6 joins the KMF captive rate sheet for the first time. That's not a placeholder — $6,200–$6,500 in Lease Cash, MF 0.00212–0.00217, real program. EV9 cash went up across all five trims and MF tightened, net effect is a better payment. Niro EV Wind cash climbed from $9,800 to $10,450 and the payment held flat at ~$347/mo despite a residual drop. Sportage cash jumped across the board.

The stuff that didn't change: the 0.00282 trap at 39 and 42 months applies to every single model in the lineup without exception. The K4 LX is still running 0.00282 at all four terms including 36 months, with $0 cash — it costs $83/mo more to lease than the LXS trim directly above it on a lower sticker. The Telluride still carries no consumer Lease Cash.

All payments: pre-tax, no acquisition fee (~$695 typical for KMF — adds ~$19/mo cap-costed), no down, MSRP as cap cost. Northeast region. Deals expire May 31, 2026.

Finding #1: The 0.00282 wall — every model, 39 and 42 months

At 24 and 36 months, KMF runs trim-tuned money factors from 0.00212 to 0.00224 (5.09–5.38% APR). At 39 months, every model resets to 0.00282 flat. 42 months, same. No exceptions anywhere in the 2026 lineup.

The cost is concrete. Sportage LX FWD at 36 months:

Cap ($28,790 MSRP − $2,630 cash):        $26,160
Residual (63% × $28,790):                $18,138
Depreciation ($26,160 − $18,138) ÷ 36:   $223/mo
Rent charge ($26,160 + $18,138) × 0.00217: $96/mo
Base payment:                             ~$319/mo

The same car at 39 months with the trap rate applied and a lower residual: ~$390/mo. That's $71/mo more — $2,769 extra over the life of the lease for three additional months of car. If a dealer quotes 39 or 42 months on any Kia, the rate sheet is working against you.

Model / Trim	36mo Payment	39mo Payment	Extra/Mo	Total Extra
Sportage LX FWD	~$319	~$390	+$71	+$2,769
K5 LXS FWD	~$352	~$413	+$61	+$2,379
Seltos LX FWD	~$290	~$340	+$50	+$1,950

Pre-tax, 12k mi/yr, MSRP cap, base cash applied.

Finding #2: K4 LX — more expensive to lease than the trim above it

The K4 LX is the only non-Telluride trim in the entire lineup running 0.00282 at 36 months. Not just at 39 and 42 — at 24, 36, 39, and 42 months, all 0.00282. With $0 in Lease Cash.

K4 LX Sedan at $22,990 MSRP:

Cap (no cash):                            $22,990
Residual (56% × $22,990):                $12,874
Depreciation ($22,990 − $12,874) ÷ 36:   $281/mo
Rent charge ($22,990 + $12,874) × 0.00282: $101/mo
Base payment:                             ~$382/mo

K4 LXS Sedan at $24,990 MSRP:

Cap ($24,990 − $1,320 cash):              $23,670
Residual (64% × $24,990):                $15,994
Depreciation ($23,670 − $15,994) ÷ 36:   $213/mo
Rent charge ($23,670 + $15,994) × 0.00216: $86/mo
Base payment:                             ~$299/mo

The LX costs $83/mo more to lease than the LXS despite a $2,000 lower sticker. This is not a close call — the LX is structured as a penalty trim. Start at LXS.

K4 Trim	MSRP	Cash	RV	MF (APR)	~Monthly
LX Sedan (skip)	$22,990	$0	56%	0.00282 (6.77%)	~$382
LXS Sedan	$24,990	$1,320	64%	0.00216 (5.18%)	~$299
EX Sedan	$26,990	$980	65%	0.00219 (5.26%)	~$331
GT-Line Sedan	$31,990	$990	65%	0.00224 (5.38%)	~$400

Pre-tax, 36mo/12K.

Finding #3: EV6 joins captive — first time on a KMF rate sheet

Before May, EV6 was finance-only or required a dealer-arranged program. KMF added it to the captive rate sheet this month. Money factors are market rate (0.00212–0.00217) — this is not a subsidized EV play like EV9 — but the cash does the work: $6,200–$6,500 non-conditional Lease Cash at 36 months across all trims.

EV6 Light RWD at $37,900 MSRP:

Cap ($37,900 − $6,500 cash):              $31,400
Residual (53% × $37,900):                $20,087
Depreciation ($31,400 − $20,087) ÷ 36:   $314/mo
Rent charge ($31,400 + $20,087) × 0.00212: $109/mo
Base payment:                             ~$423/mo

MF 0.00212 is the best rate in the EV6 lineup. Light LR RWD steps to 0.00217 and runs ~$469/mo on a $42,745 MSRP. Wind RWD ($44,800, $6,500 cash, 56% RV) adds $81/mo for more range and features at ~$504/mo. GT-Line RWD ($48,700) hits ~$573/mo — the styling premium isn't in the residual, skip it on a lease.

EV6 Trim	MSRP	Cash (36mo)	RV	MF	~Monthly
Light RWD	$37,900	$6,500	53%	0.00212	~$423
Light LR RWD	$42,745	$6,250	57%	0.00217	~$469
Wind RWD	$44,800	$6,500	56%	0.00216	~$504
GT-Line RWD	$48,700	$6,200	56%	0.00215	~$573
Light LR AWD	$47,745	$6,200	58%	0.00215	~$534
Wind AWD	$48,800	$6,500	57%	0.00216	~$554
GT-Line AWD	$48,700	$6,500	56%	0.00217	~$565

Pre-tax, 36mo/12K, MSRP cap. Data: KMF NE, May 2026.

Finding #4: Niro EV Wind beats the EV6 Light by $76/mo on a higher sticker

The Niro EV Wind carries $10,450 in Lease Cash — $3,950 more than the EV6 Light RWD — despite a $1,800 higher sticker. The cash spread wins.

Niro EV Wind at $39,700 MSRP:

Cap ($39,700 − $10,450 cash):             $29,250
Residual (52% × $39,700):                $20,644
Depreciation ($29,250 − $20,644) ÷ 36:   $239/mo
Rent charge ($29,250 + $20,644) × 0.00216: $108/mo
Base payment:                             ~$347/mo

~$347/mo on a $39,700 EV. Wind carries $650 more cash than April ($9,800 → $10,450), which absorbed the residual drop (55% → 52%) and held the payment flat.

EV6 Light RWD at $37,900 MSRP:

Cap ($37,900 − $6,500 cash):              $31,400
Residual (53% × $37,900):                $20,087
Depreciation ($31,400 − $20,087) ÷ 36:   $314/mo
Rent charge ($31,400 + $20,087) × 0.00212: $109/mo
Base payment:                             ~$423/mo

The EV6 Light's $6,500 cap reduction doesn't offset the Niro EV's $10,450. $76/mo difference entirely explained by the incentive gap.

Model	MSRP	Cash	RV	MF	~Monthly
Niro EV Wind	$39,700	$10,450	52%	0.00216	~$347
EV6 Light RWD	$37,900	$6,500	53%	0.00212	~$423
EV9 Light RWD	$54,900	$12,000	56%	0.00214	~$495

Pre-tax, 36mo/12K. Niro EV is the cheapest EV lease in the market this month at ~$347/mo.

Finding #5: EV9 — cash up, MF tighter, payments down across the board

EV9 improved on every trim. Light RWD cash went from $11,150 to $12,000 and MF dropped from 0.00219 to 0.00214. Residuals came down a few points but the rate and cash improvement more than offset it.

EV9 Light RWD at $54,900 MSRP:

Cap ($54,900 − $12,000 cash):             $42,900
Residual (56% × $54,900):                $30,744
Depreciation ($42,900 − $30,744) ÷ 36:   $338/mo
Rent charge ($42,900 + $30,744) × 0.00214: $158/mo
Base payment:                             ~$495/mo

That's down from ~$482 in April — both cash and rate improved enough to overcome the residual drop. Light LR RWD (~$59,250, $11,920 cash, 58% RV) runs ~$537/mo. Wind AWD (~$63,900, $12,150 cash, 60% RV) runs ~$567/mo.

EV9 Trim	MSRP	Cash	RV	MF	~Monthly
Light RWD	$54,900	$12,000	56%	0.00214	~$495
Light LR RWD	~$59,250	$11,920	58%	0.00216	~$537
Wind AWD	~$63,900	$12,150	60%	0.00216	~$567
Land AWD	~$68,900	$12,200	59%	0.00216	~$656
GT-Line AWD	~$71,900	$12,100	60%	0.00217	~$686

Pre-tax, 36mo/12K. Light LR, Wind, Land, GT-Line MSRPs are starting estimates.

Finding #6: Telluride (2027) — $0 consumer Lease Cash, skip

The 2027 Telluride is available and on the KMF rate sheet, but carries no consumer Lease Cash. The gas variants run MF 0.00232–0.00262 (5.57–6.29% APR), the Hybrid 0.00250–0.00256 (6.00–6.14% APR). Residuals are the best in the Kia lineup — S FWD holds 69%, Hybrid EX 71% — but that doesn't fix elevated rates with zero cash support.

2027 Telluride S FWD at $42,090 MSRP:

Cap (no cash):                            $42,090
Residual (69% × $42,090):                $29,042
Depreciation ($42,090 − $29,042) ÷ 36:   $362/mo
Rent charge ($42,090 + $29,042) × 0.00232: $165/mo
Base payment:                             ~$527/mo

EX AWD ($45,790, 70% RV, MF 0.00248) lands at ~$575/mo. Hybrid EX FWD ($46,490, 71% RV, MF 0.00256) hits ~$578/mo. These are real payments — just bad ones. Wait for a month where KMF adds cash.

2027 Telluride Trim	MSRP	MF	APR	RV	Cash	~Monthly
S FWD	$42,090	0.00232	5.57%	69%	$0	~$527
EX AWD	$45,790	0.00248	5.95%	70%	$0	~$575
Hybrid EX FWD	$46,490	0.00256	6.14%	71%	$0	~$578

Pre-tax, 36mo/12K, MSRP cap. 2027 model year MSRPs from Kia.

Sorento Hybrid EX FWD — the understated deal

$4,050 in Lease Cash — the largest single-trim incentive in the non-EV Sorento lineup — with a competitive MF and a 3-row hybrid body.

Sorento Hybrid EX FWD at $38,890 MSRP:

Cap ($38,890 − $4,050 cash):              $34,840
Residual (59% × $38,890):                $22,945
Depreciation ($34,840 − $22,945) ÷ 36:   $330/mo
Rent charge ($34,840 + $22,945) × 0.00217: $125/mo
Base payment:                             ~$455/mo

~$455/mo for a 3-row hybrid SUV with AWD available ($480/mo on Hybrid EX AWD at $40,890 with $2,790 cash). The Sorento PHEV EX ($45,890, $5,300 cash, 63% RV, MF 0.00217) runs ~$475/mo — the PHEV cash step-up is the strongest plug-in deal in the lineup.

Full May 2026 Lineup — 36-Month Rates

Model	Trim	MF	APR	RV%	Cash	~Payment	39mo MF
Sportage	LX FWD	0.00217	5.21%	63%	$2,630	~$319	0.00282 (trap)
Sportage	EX FWD	0.00216	5.18%	65%	$1,940	~$348	0.00282 (trap)
Sportage	X-Line AWD	0.00216	5.18%	63%	$2,490	~$382	0.00282 (trap)
Sportage	SX FWD	0.00215	5.16%	65%	$1,990	~$397	0.00282 (trap)
Sportage	SX Prestige AWD	0.00217	5.21%	64%	$2,140	~$429	0.00282 (trap)
Sportage Hybrid	LX FWD	0.00215	5.16%	63%	$2,720	~$339	0.00282 (trap)
Sportage Hybrid	EX AWD	0.00216	5.18%	66%	$1,840	~$401	0.00282 (trap)
Sportage Hybrid	X-Line AWD	0.00215	5.16%	66%	$1,840	~$426	0.00282 (trap)
Sportage PHEV	X-Line	0.00215	5.16%	69%	$3,460	~$392	0.00282 (trap)
Sportage PHEV	X-Line Prestige	0.00216	5.18%	66%	$4,050	~$452	0.00282 (trap)
Seltos	LX FWD	0.00217	5.21%	56%	$2,700	~$290	0.00282 (trap)
Seltos	LX AWD	0.00214	5.14%	59%	$1,950	~$323	0.00282 (trap)
Seltos	S FWD	0.00215	5.16%	60%	$1,660	~$340	0.00282 (trap)
Seltos	EX FWD	0.00214	5.14%	63%	$960	~$368	0.00282 (trap)
Seltos	EX AWD	0.00215	5.16%	63%	$960	~$396	0.00282 (trap)
Seltos	SX AWD	0.00215	5.16%	65%	$660	~$415	0.00282 (trap)
Niro Hybrid	LX	0.00214	5.14%	59%	$3,120	~$312	0.00282 (trap)
Niro Hybrid	EX	0.00218	5.23%	61%	$3,020	~$340	0.00282 (trap)
Niro Hybrid	SX	0.00217	5.21%	62%	$2,610	~$386	0.00282 (trap)
Niro Hybrid	SX Touring	0.00216	5.18%	60%	$3,060	~$418	0.00282 (trap)
K4	LX Sedan (skip)	0.00282	6.77%	56%	$0	~$382	0.00282
K4	LXS Sedan	0.00216	5.18%	64%	$1,320	~$299	0.00282 (trap)
K4	EX Sedan	0.00219	5.26%	65%	$980	~$331	0.00282 (trap)
K4	GT-Line Sedan	0.00221	5.30%	65%	$990	~$358	0.00282 (trap)
K4	GT-Line Turbo Sedan	0.00224	5.38%	65%	$990	~$400	0.00282 (trap)
K4	GT-Line Hatchback	0.00222	5.33%	65%	$990	~$372	0.00282 (trap)
K4	GT-Line Turbo Hatch	0.00224	5.38%	65%	$990	~$413	0.00282 (trap)
K5	LXS FWD	0.00214	5.14%	60%	$1,820	~$352	0.00282 (trap)
K5	EX FWD	0.00215	5.16%	61%	$1,540	~$411	0.00282 (trap)
K5	GT FWD	0.00216	5.18%	62%	$1,240	~$455	0.00282 (trap)
K5	GT-Line FWD	0.00220	5.28%	63%	$990	~$469	0.00282 (trap)
K5	GT-Line AWD	0.00219	5.26%	63%	$990	~$496	0.00282 (trap)
Sorento	LX FWD	0.00214	5.14%	61%	$2,840	~$400	0.00282 (trap)
Sorento	S FWD	0.00216	5.18%	61%	$2,940	~$456	0.00282 (trap)
Sorento	EX FWD	0.00217	5.21%	61%	$2,870	~$487	0.00282 (trap)
Sorento	EX AWD	0.00215	5.16%	64%	$2,070	~$506	0.00282 (trap)
Sorento	X-Line SX AWD	0.00216	5.18%	65%	$1,820	~$557	0.00282 (trap)
Sorento Hybrid	EX FWD	0.00217	5.21%	59%	$4,050	~$456	0.00282 (trap)
Sorento Hybrid	EX AWD	0.00215	5.16%	63%	$2,790	~$480	0.00282 (trap)
Sorento PHEV	EX	0.00217	5.21%	63%	$5,300	~$475	0.00282 (trap)
Sorento PHEV	X-Line SX Prestige	0.00216	5.18%	65%	$4,220	~$550	0.00282 (trap)
Niro EV	Wind	0.00216	5.18%	52%	$10,450	~$347	0.00282 (trap)
Niro EV	Wave	0.00217	5.21%	52%	$10,700	~$423	0.00282 (trap)
EV6	Light RWD	0.00212	5.09%	53%	$6,500	~$423	0.00282 (trap)
EV6	Light LR RWD	0.00217	5.21%	57%	$6,250	~$469	0.00282 (trap)
EV6	Wind RWD	0.00216	5.18%	56%	$6,500	~$504	0.00282 (trap)
EV6	GT-Line RWD	0.00215	5.16%	56%	$6,200	~$573	0.00282 (trap)
EV6	Light LR AWD	0.00215	5.16%	58%	$6,200	~$534	0.00282 (trap)
EV6	Wind AWD	0.00216	5.18%	57%	$6,500	~$554	0.00282 (trap)
EV6	GT-Line AWD	0.00217	5.21%	56%	$6,500	~$565	0.00282 (trap)
EV9	Light RWD	0.00214	5.14%	56%	$12,000	~$495	0.00282 (trap)
EV9	Light LR RWD	0.00216	5.18%	58%	$11,920	~$537	0.00282 (trap)
EV9	Wind AWD	0.00216	5.18%	60%	$12,150	~$567	0.00282 (trap)
EV9	Land AWD	0.00216	5.18%	59%	$12,200	~$656	0.00282 (trap)
EV9	GT-Line AWD	0.00217	5.21%	60%	$12,100	~$686	0.00282 (trap)
Carnival	LX	0.00216	5.18%	63%	$1,990	~$456	0.00282 (trap)
Carnival	LXS	0.00217	5.21%	62%	$2,290	~$486	0.00282 (trap)
Carnival	EX	0.00216	5.18%	62%	$2,060	~$517	0.00282 (trap)
Carnival	SX	0.00216	5.18%	62%	$2,160	~$583	0.00282 (trap)
Carnival	SX Prestige	0.00216	5.18%	61%	$2,210	~$665	0.00282 (trap)
Carnival Hybrid	LXS	0.00216	5.18%	61%	$2,590	~$537	0.00282 (trap)
Carnival Hybrid	EX	0.00216	5.18%	62%	$2,260	~$567	0.00282 (trap)
Carnival Hybrid	SX	0.00217	5.21%	62%	$2,110	~$614	0.00282 (trap)
Carnival Hybrid	SX Prestige	0.00217	5.21%	61%	$2,310	~$692	0.00282 (trap)
2027 Telluride	S FWD	0.00232	5.57%	69%	$0	~$527	0.00282
2027 Telluride	EX AWD	0.00248	5.95%	70%	$0	~$575	0.00282
2027 Telluride Hybrid	EX FWD	0.00256	6.14%	71%	$0	~$578	0.00282

(trap) = resets to 6.77% APR at 39 months. Bold = do not lease at this trim. Telluride ($0 cash, no viable program). Pre-tax, 36mo/12K, MSRP cap, no acq fee. Data: KMF Northeast, May 2026.

Assumptions

Cap cost = MSRP minus Lease Cash only. No dealer discount, no down payment. Negotiate below MSRP and payments drop dollar-for-dollar.

36 months / 12,000 miles per year. All residuals and money factors from the 36mo/12k tier.

Pre-tax and pre-fees. Add state lease tax, KMF acquisition fee (~$695), dealer doc fee, and first month at signing. The $695 acquisition fee adds ~$19/mo if rolled into cap cost.

Published buy rate MF. Dealers can mark up the money factor — published rates are the floor. Verify the MF on your deal sheet before signing. One point of MF markup (0.00010) adds roughly $9–11/month on most Kia trims. On the EV9 it's higher.

Northeast region. Rates are from KMF Northeast sheets. Programs vary by region — verify your zip with your dealer.

Military incentive. $500 additional Lease Cash on most trims for eligible buyers — conditional, one-per-customer, not stacked with other conditional programs.

Base cash only. The figures above are unconditional Lease Cash. Military $500 is on top for eligible buyers.

Source: KMF Northeast rate sheets, May 2026. Deals expire May 31, 2026.

TL;DR

• Niro EV Wind at ~$347/mo — cheapest EV lease in the market. $10,450 cash on a $39,700 car. Cash increase from April absorbed the residual drop; payment held flat.
• EV6 joins captive for the first time. Light RWD at ~$423/mo with $6,500 cash and MF 0.00212. Not a subsidized rate play — the cash does the work. Skip GT-Line; the styling premium isn't in the residual.
• EV9 improved on every trim. Light RWD went from ~$482 to ~$495 in April... wait, the other direction — down. Cash from $11,150 to $12,000, MF from 0.00219 to 0.00214. Payments down on all five variants.
• K4 LX is a penalty trim, not a base trim. $382/mo at 6.77% APR with $0 cash on a $22,990 car. The LXS directly above it is $299/mo. LX costs $83/mo more on a $2,000 lower sticker. There is no scenario where leasing the LX makes sense.
• 39-month trap is real and universal. Every model, no exceptions — 0.00282 (6.77% APR) at 39 and 42 months vs. 5.09–5.38% at 36. Sportage LX costs $2,769 more over the life of the lease at 39 months vs. 36. Stay at 24 or 36 months.
• Telluride is a skip this month. $0 consumer cash, elevated MF (5.57–6.14% APR), strong residuals that don't offset the rate. Wait for a month where KMF supports it.
• Sorento Hybrid EX FWD at ~$455/mo with $4,050 cash is the best 3-row hybrid deal in the lineup. Sorento PHEV EX at ~$475/mo on $45,890 MSRP with $5,300 cash is the strongest plug-in deal.
• Entry points worth considering: Seltos LX FWD ~$290/mo, Niro Hybrid LX ~$312/mo, Sportage LX FWD ~$319/mo, K4 LXS ~$299/mo. All pre-tax, MSRP cap, $695 acq fee not included.

Run your numbers on quotedefender.com before going to the dealer — verify the published buy rate MF for your model.

(Quick note: I used an LLM to help format this. Numbers are pulled directly from KMF Northeast rate sheets, May 2026. Argue the math if something looks wrong.)

Hi, trade in car for 9k( down payment), $731 monthly payment at 4.99.% financing for msrp of $53,255 on Glc courtesy car. Thoughts?

What deals are people seeing on a 2026 X5 M60i and or 2027 X7 M60i? I've been going back and forth with my dealer and landing as follows. How do these deals look? This would be for a build, not on the lot. Location NE market

https://preview.redd.it/qqn9vbdhj52h1.png?width=1394&format=png&auto=webp&s=92376b02f27de52c82368c522b2c4c8a023b7c5b

Hey everyone! I’m interested in buying a Taco hybrid, but I’m curious about what everyone is paying for their lease or if they managed to secure a special APR from Toyota Financial for just buying. I was looking at a limited, but after seeing the price, it’s not feasible for me. Local decal quoted me over $800 a month for a limited model with a $2,000 down payment lease. I’d rather buy a vehicle. I’m particularly interested in an off-road or sport model with a premium package. I recently owned a Wrangler 4xe and wanted to return to a pickup truck. Taco is the only one that offers a hybrid. Thanks in advance for your help!
In upstate NY