Is the Cadillac CT5 lease a good deal?

Advertised at $699/mo, the Cadillac CT5 truly costs about $812/mo once the $5,099 due at signing is spread across the 39-month term. We grade it D.

What is the real monthly cost of the Cadillac CT5 lease?

About $812 per month, versus the $699 advertised payment.

Cadillac CT5 Lease Deals: $699/mo, True Cost $812/mo (November 2026)

Name: Cadillac CT5 lease
Brand: Cadillac
Price: 699 USD
Availability: InStock

Updated November 2026 · Offer source

Advertised$699/mo

Due at signing$5,099

Term39 months

True cost$812/mo

GradeD

Offer endsJanuary 4, 2027

vs rivals: Mercedes-Benz C-Class Sedan $626/mo · Lexus IS $534/mo · Lexus ESe $631/mo

All 19 luxury cars with a lease, ranked →

Deal grade

Advertised

$699/mo

True cost

$812/mo

Graded on true cost as a percent of MSRP, against other luxury cars. This lease is 1.59%. How we grade

How $699 becomes $812

The ad says $699 a month, and it also asks for $5,099 at signing.
$699 of that is your first payment. The other $4,400 is extra money that you pay up front.
Spread across the 39 months of the lease, $4,400 is $113 a month.

$699advertised payment

$113up-front money, each month

$812true cost a month

$5,099

Due at signing

39 mo

Term

$31,661

Total cost

1.59%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 (Excluding Blackwing) RWD Premium Luxury MSRP $50,995	$699	$5,099	39 mo	$812	D

The math for the 2026 (Excluding Blackwing) RWD Premium Luxury

Due at signing, with payment 1 in it: $5,099
38 more payments of $699: $26,562
Total for 39 months: $31,661
True cost each month: $812
Cost for each mile, with 32,500 miles allowed: $0.97

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends January 4, 2027. See the offer page

Deal grade

Advertised

$699/mo

True cost

$804/mo

Graded on true cost as a percent of MSRP, against other luxury cars. This lease is 1.58%. How we grade

How $699 becomes $804

The ad says $699 a month, and it also asks for $4,799 at signing.
$699 of that is your first payment. The other $4,100 is extra money that you pay up front.
Spread across the 39 months of the lease, $4,100 is $105 a month.

$699advertised payment

$105up-front money, each month

$804true cost a month

$4,799

Due at signing

39 mo

Term

$31,361

Total cost

1.58%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 (Excluding Blackwing) RWD Premium Luxury MSRP $50,995	$699	$4,799	39 mo	$804	D

The math for the 2026 (Excluding Blackwing) RWD Premium Luxury

Due at signing, with payment 1 in it: $4,799
38 more payments of $699: $26,562
Total for 39 months: $31,361
True cost each month: $804
Cost for each mile, with 32,500 miles allowed: $0.96

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends January 4, 2027. See the offer page

How the Cadillac CT5 lease changed

Since October 12, 2026, the true cost stayed at $812 a month.

October 12, 2026: $699/mo, $5,099 due, 39 mo: $812
October 17, 2026: $699/mo, $5,099 due, 39 mo: $812
October 31, 2026: $699/mo, $5,099 due, 39 mo: $812
November 5, 2026: $699/mo, $5,099 due, 39 mo: $812
November 11, 2026: $699/mo, $5,099 due, 39 mo: $812

Each line is the best offer where most regions share it, on the day that we collected the offers.

How it ranks among luxury cars

The Cadillac CT5 has the 10th lowest true cost of 19 luxury cars with an advertised lease this month. The lowest is the Genesis G70 at $514 a month.

The middle true cost in the class is $812 a month, and the Cadillac CT5 costs $0 less. Each month it costs 1.59% of its MSRP, and the middle of the class is 1.34%.