Is the Kia EV3 lease a good deal?

Advertised at $359/mo, the Kia EV3 truly costs about $460/mo once the $3,999 due at signing is spread across the 36-month term. We grade it B.

What is the real monthly cost of the Kia EV3 lease?

About $460 per month, versus the $359 advertised payment.

Kia EV3 Lease Deals: $359/mo, True Cost $460/mo (November 2026)

Updated November 2026 · Offer source

Advertised$359/mo

Due at signing$3,999

Term36 months

True cost$460/mo

GradeB

Offer endsJanuary 4, 2027

vs rivals: Subaru Uncharted $576/mo · Nissan Leaf $533/mo · Chevrolet Equinox EV $633/mo

All 41 small SUVs with a lease, ranked →

Deal grade

Advertised

$359/mo

True cost

$460/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.26%. How we grade

How $359 becomes $460

The ad says $359 a month, and it also asks for $3,999 at signing.
$359 of that is your first payment. The other $3,640 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,640 is $101 a month.

$359advertised payment

$101up-front money, each month

$460true cost a month

$3,999

Due at signing

36 mo

Term

$16,564

Total cost

1.26%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2027 Wind FWD MSRP $36,485	$359	$3,999	36 mo	$460	B
2027 Wind AWD MSRP $40,185	$409	$3,999	36 mo	$509	B

The math for the 2027 Wind

Due at signing, with payment 1 in it: $3,999
35 more payments of $359: $12,565
Total for 36 months: $16,564
True cost each month: $460
Cost for each mile, with 30,000 miles allowed: $0.55
Price to buy the car when the lease ends: $22,256

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

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

B+

Deal grade

Advertised

$329/mo

True cost

$431/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.18%. How we grade

How $329 becomes $431

The ad says $329 a month, and it also asks for $3,999 at signing.
$329 of that is your first payment. The other $3,670 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,670 is $102 a month.

$329advertised payment

$102up-front money, each month

$431true cost a month

$3,999

Due at signing

36 mo

Term

$15,514

Total cost

1.18%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2027 Wind FWD MSRP $36,485	$329	$3,999	36 mo	$431	B+
2027 Wind AWD MSRP $40,185	$379	$3,999	36 mo	$480	B+

The math for the 2027 Wind

Due at signing, with payment 1 in it: $3,999
35 more payments of $329: $11,515
Total for 36 months: $15,514
True cost each month: $431
Cost for each mile, with 30,000 miles allowed: $0.52
Price to buy the car when the lease ends: $22,256

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

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

B+

Deal grade

Advertised

$349/mo

True cost

$450/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.23%. How we grade

How $349 becomes $450

The ad says $349 a month, and it also asks for $3,999 at signing.
$349 of that is your first payment. The other $3,650 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,650 is $101 a month.

$349advertised payment

$101up-front money, each month

$450true cost a month

$3,999

Due at signing

36 mo

Term

$16,214

Total cost

1.23%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2027 Wind FWD MSRP $36,485	$349	$3,999	36 mo	$450	B+
2027 Wind AWD MSRP $40,185	$399	$3,999	36 mo	$499	B

The math for the 2027 Wind

Due at signing, with payment 1 in it: $3,999
35 more payments of $349: $12,215
Total for 36 months: $16,214
True cost each month: $450
Cost for each mile, with 30,000 miles allowed: $0.54
Price to buy the car when the lease ends: $22,256

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

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

How the Kia EV3 lease changed

Since October 12, 2026, the true cost stayed at $460 a month.

October 12, 2026: $359/mo, $3,999 due, 36 mo: $460
October 17, 2026: $359/mo, $3,999 due, 36 mo: $460
October 31, 2026: $359/mo, $3,999 due, 36 mo: $460
November 5, 2026: $359/mo, $3,999 due, 36 mo: $460
November 11, 2026: $359/mo, $3,999 due, 36 mo: $460

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

How it ranks among small SUVs

The Kia EV3 has the 26th lowest true cost of 41 small SUVs with an advertised lease this month. The lowest is the Mazda CX-30 at $316 a month.

The middle true cost in the class is $411 a month, and the Kia EV3 costs $49 more. Each month it costs 1.26% of its MSRP, and the middle of the class is 1.33%.