Updated November 2026 · Offer source
vs rivals: Mercedes-Benz GLC SUV $642/mo · Genesis GV70 $639/mo · Lexus NX $514/mo
Graded on true cost as a percent of MSRP, against other small luxury SUVs. This lease is 1.31%. How we grade
How $499 becomes $686
- The ad says $499 a month, and it also asks for $4,989 at signing.
- $499 of that is your first payment. The other $4,490 is extra money that you pay up front.
- Spread across the 24 months of the lease, $4,490 is $187 a month.
Every offer, ranked by true cost
| Trim | Advertised | Due | Term | True cost | Grade |
|---|---|---|---|---|---|
2027 RWD Luxury MSRP $52,515 | $499 | $4,989 | 24 mo | $686 | C+ |
The math for the 2027 RWD Luxury
- Due at signing, with payment 1 in it
- $4,989
- 23 more payments of $499
- $11,477
- Total for 24 months
- $16,466
- True cost each month
- $686
- Cost for each mile, with 20,000 miles allowed
- $0.82
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 Optiq lease changed
Since October 12, 2026, the true cost went down by $6 a month, from $692 to $686.
- October 12, 2026: $509/mo, $4,899 due, 24 mo
- $692
- October 17, 2026: $509/mo, $4,899 due, 24 mo
- $692
- October 31, 2026: $509/mo, $4,899 due, 24 mo
- $692
- November 5, 2026: $499/mo, $4,989 due, 24 mo
- $686
- November 11, 2026: $499/mo, $4,989 due, 24 mo
- $686
Each line is the best offer where most regions share it, on the day that we collected the offers.
How it ranks among small luxury SUVs
The Cadillac Optiq has the 8th lowest true cost of 13 small luxury SUVs with an advertised lease this month. The lowest is the Lexus UX at $436 a month.
The middle true cost in the class is $674 a month, and the Cadillac Optiq costs $12 more. Each month it costs 1.31% of its MSRP, and the middle of the class is 1.31%.
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