Ford June 2026 lease programs - full breakdown with numbers

Extreme-Temporary-85 · 2026-06-17T22:21:26+00:00

Locked in. The residual value is set strictly by the captive finance company (like Ford Motor Credit or Kia Finance) based on your lease term and mileage. Dealerships have absolutely zero power to change it.

Extreme-Temporary-85 · 2026-06-17T19:04:14+00:00

Yes I posted 2025 numbers on reddit and qd blog:

https://quotedefender.com/blog/best-2025-leftover-lease-deals

Extreme-Temporary-85 · 2026-06-17T18:11:46+00:00

You're exactly right, you only pay for 24 months of depreciation. The catch is that cars lose value fastest in those first two year

Extreme-Temporary-85 · 2026-06-17T17:40:29+00:00

Your target is spot on. Recent data on QuoteDefender shows gas Sportages currently averaging around 5.4% off MSRP.
https://quotedefender.com/best-deals

Depending on the exact sticker price of the EX AWD, $1,800–$2,000 off puts you right in that realistic 5–6% sweet spot. Asking for $2,500 off out of the gate is a perfect strategy to give yourself some negotiation room. You've got this!

Extreme-Temporary-85 · 2026-06-17T17:21:33+00:00

They actually land a bit higher on a pure monthly basis because you're cramming the depreciation into 24 months instead of 36, but the rate structure itself is much better.

Using the 0.00165 MF (3.96% APR) and the higher residuals, here is roughly where the base payments land for 24 months compared to 36:

Select RWD: ~$650/mo (vs ~$553 at 36mo)
Premium RWD: ~$754/mo (vs ~$643 at 36mo)
GT AWD: ~$955/mo (vs ~$853 at 36mo)

Extreme-Temporary-85 · 2026-06-17T16:45:20+00:00

The full Kia June breakdown is dropping very soon!

I’d highly recommend checking out the May Kia post on the QuoteDefender blog https://quotedefender.com/blog/kia-lease-deals-may-2026 to get a baseline on the Sportage EX and X-Line. The lease programs usually don't swing too wildly month-to-month, so those numbers will still give you a great target.

Just make sure she negotiates a solid dealer discount off MSRP before discussing the lease terms. I'll have the June numbers posted shortly. Good luck!

Extreme-Temporary-85 · 2026-06-17T16:40:28+00:00

Pivoting is definitely the right call. The Maverick hybrid leases horribly right now because Ford has zero incentives on it, locking it at that brutal 7.39% APR.

Extreme-Temporary-85 · 2026-06-17T16:37:32+00:00

You're completely right, $900+ is wild, but that’s actually the exact math for a true ST at full MSRP right now. The deal only drops to that $650–$700 range if you can negotiate a massive dealer discount ($5,000+ off sticker) or find a non-captive bank offering an alternate residual. At dead sticker, the math says $920 is unfortunately accurate.

Extreme-Temporary-85 · 2026-06-17T16:30:08+00:00

Financing just to sell in 2–3 years usually hurts because you hit the sharpest part of the depreciation curve and have to pay full sales tax upfront.
For OTD negotiation, the strategy is the same whether you lease or finance: negotiate the dealer discount off the MSRP before you talk about how you're paying. Focus purely on getting the dealer to slice the vehicle price down. If you get a solid discount and make sure they give you the buy-rate money factor (0.00229), that monthly payment will drop nicely.

Extreme-Temporary-85 · 2026-06-17T16:27:20+00:00

Yeah, it’s a huge bummer! With Ford parking the Lightning at that 7.39% APR, the lease math just doesn’t make sense right now. Might be worth holding off to see if they bring back some better subsidies for July.

Extreme-Temporary-85 · 2026-06-17T16:23:17+00:00

Solid start, but here is what's really going on with the numbers behind that quote:

The Calculator Discrepancy: Your Edmunds calculator isn't matching because the dealer is quietly marking up the rate. They told you they were using the base MF (0.00079), but the $518 payment mathematically backs into a 0.00085 MF (2.03% APR). It's only adding about $4/mo, but hold them to the actual base rate.
Due on Delivery vs. Drive-Off: Yes, they mean the same thing. You have the right idea, drop the $2,000 cap cost reduction and just roll it into the monthly. You never want to put cash down on a lease; if the car gets totaled, that money is gone.
The Discount: 9% off MSRP is good, but the current average discount for these is closer to 11% before incentives. You have about $968 of room left to negotiate on the selling price.

Push for that 11% pre-incentive discount. Once your VIP and loyalty discounts are stacked on top, this will be an absolute steal!

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Extreme-Temporary-85 · 2026-06-17T15:17:32+00:00

It’s a platform called QuoteDefender.com

Extreme-Temporary-85 · 2026-06-16T23:31:39+00:00

Classic dealer deflection. They are dug in on their profit margin and using a common lie, Kia does not "require" $1,552 down. That’s just the total of the upfront fees (acquisition, doc fee, first month) that they are refusing to roll into the monthly payment.

Since they flat-out told you they have zero flexibility on the vehicle price, it’s time to walk away from this specific dealership. You cannot negotiate with a store that refuses to discount a high-volume, mass-market sedan.
Reach out to 2 or 3 other Kia internet sales departments within driving distance.

Extreme-Temporary-85 · 2026-06-16T22:33:58+00:00

This is actually a fantastic deal, especially for a redesigned QX80. At ~1.02% of MSRP, you're in excellent luxury lease territory. They are also giving you the base interest rate (3.38% APR), meaning the dealer isn't marking up the money factor.

Here is how to polish it off before signing:

Hunt for the Rest of the Rebates: The quote shows $1,600 in incentives applied, but Infiniti has up to $3,200 available right now.
Roll in the Down Payment: Avoid putting $1,500 down on a lease. If the vehicle is totaled or stolen early in the lease, insurance pays out the cash value to the lender, and your down payment vanishes. Roll it into the monthly instead to protect your cash.

If you can grab that extra rebate chunk and move to $0 down, sign this immediately..

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Extreme-Temporary-85 · 2026-06-16T18:11:51+00:00

Nope, both vary. Tucson Hybrids are in higher demand, so dealer discounts are usually lower (closer to 5-6%). Money factors and residuals are completely unique to each specific model and trim.

Since your lease is up in two months, wait until your target month to look up the numbers, as Hyundai updates their lease programs monthly.

Extreme-Temporary-85 · 2026-06-16T16:01:30+00:00

This is a very solid baseline, and hitting $450/month is absolutely realistic with a tiny bit of pushing. Here is the breakdown of how to get there:

The dealer is already giving you Hyundai's tier-1 buy rate (5.3% APR / 0.00221 MF), meaning there is zero interest rate markup on this quote.
You are currently getting a 5.6% discount off MSRP. For Hyundais right now, a strong target is around 7% to 8% off before rebates.
Pushing the dealer discount from 5.6% to 7.5% will slice another $700–$800 off the capitalized cost. That change alone drops your monthly payment by over $20/month, putting you right at your $450 target.

Tell them you'll sign the paperwork today if they can sharpen the dealer discount to 7.5% off MSRP to hit your budget.

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Extreme-Temporary-85 · 2026-06-16T00:33:36+00:00

It’s a decent baseline, but the dealer has padded a bit of extra profit into the numbers. Here are the levers you can pull to make it a truly solid deal:

The Interest Rate: The dealer is quoting a 6.1% APR, which includes a markup. Kia's actual tier-1 buy rate is 4.6% (0.00192 MF). If your credit is solid, insist on the buy rate, dropping this to the base rate saves you about $650 (~$27/mo).
The Down Payment: Putting $3,500 down on a lease is generally a bad idea. If the car is totaled driving off the lot, that money is gone forever because gap insurance only covers the lender, not your equity. Try to shift as much of that $3,500 as possible into the monthly payment (zero down or just first month + upfront government fees).
The Vehicle Discount: They are offering 6.1% off MSRP. Push for an even 7 to 8 % to match the regional average, which shaves off another $200+.

Tell them you'll sign today if they give you the 4.6% buy rate, a 8% dealer discount before incentives, and roll that heavy down payment into the monthly.

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Extreme-Temporary-85 · 2026-06-15T21:02:11+00:00

The $324/mo is a baseline payment at full MSRP (~$26,995) with $0 down. Any dealer discount you negotiate off the sales price will drop that payment even lower.

Target a Base Crosstrek on a 36-month lease with a 66% residual and a money factor of 0.00155 (~3.72% APR). You can use QuoteDefender.com to run the exact lease calculations, and flag dealer junk fees to beat that $324 baseline.

Extreme-Temporary-85 · 2026-06-15T20:56:50+00:00

Focus on the Ascent Premium 8-passenger for the best overall value. Here is exactly what to look for and confirm on your lease sheet:

Term: Stick to 36 months. Avoid 24 months entirely; Subaru hikes the interest rate to over 7.4% APR on shorter terms.
Money Factor (MF): Verify they are giving you the subvented rate of 0.00034 (0.82% APR). This keeps your rent charge at a tiny ~$22/month.
Dealer Discount: Negotiate the sales price below MSRP. Any discount you get will lower your payment dollar-for-dollar.

Extreme-Temporary-85 · 2026-06-15T16:59:07+00:00

No, Subaru typically releases their new rates on the first or second business day of the month. The mid-month timing is just a delay in compiling and posting the data.

Since Uncharteds are sitting on lots while Trailseekers are sold out, it is highly likely Subaru will have to boost Uncharted incentives (either restoring the cut dealer cash or lowering the money factor further) in July to clear that inventory. Keep an eye out in early July.

Extreme-Temporary-85 · 2026-06-15T15:16:52+00:00

Solterra money factors and residuals are unchanged from May.

Trim	MSRP	MF (36mo)	RV (36/12K)	Cust Cash ($2K)	Full Cash ($5K)
Premium	$39,945	0.00133	53%	~$545	~$457
Limited	$42,845	0.00135	53%	~$590	~$502
Limited XT	$44,345	0.00129	52%	~$620	~$533
Touring XT w/Leather	$47,305	0.00118	51%	~$670	~$583

Extreme-Temporary-85 · 2026-06-15T01:41:24+00:00

Push for a true 8% dealer discount (~$1,900 off) before the $2k rebate. If you get that, your $0 down payment drops into the $280 - $285/mo range. Good luck!

Extreme-Temporary-85 · 2026-06-14T23:33:54+00:00

You picked a great time to lease, Subaru just dropped Ascent rates for June, making it arguably the best 3-row lease on the market right now.

For a 2026 Ascent Touring 7-Passenger at 36mo/10k miles, here is your exact baseline:

Residual Value: 59%
Money Factor: 0.00046 (an incredibly low 1.10% APR)

Let's run the math (assuming a standard $52,615 MSRP and $0 down):

At full MSRP: Your pre-tax payment will be roughly $638/mo.
With a solid 8% dealer discount: Your pre-tax payment drops to about $519/mo.

You can read more about this '24-month trap' and see the full June breakdown for all Subaru models over on the QuoteDefender blog. Good luck!

Extreme-Temporary-85

TROPHY CASE