Is the Kia K4 lease a good deal?

Advertised at $239/mo, the Kia K4 truly costs about $330/mo once the $3,499 due at signing is spread across the 36-month term. We grade it C+.

What is the real monthly cost of the Kia K4 lease?

About $330 per month, versus the $239 advertised payment.

Kia K4 Lease Deals: $239/mo, True Cost $330/mo (November 2026)

Updated November 2026 · Offer source

Advertised$239/mo

Due at signing$3,499

Term36 months

True cost$330/mo

GradeC+

Offer endsJanuary 4, 2027

vs rivals: Toyota Corolla $310/mo · Nissan Sentra $335/mo · Volkswagen Jetta $388/mo

All 15 compact cars with a lease, ranked →

C+

Deal grade

Advertised

$239/mo

True cost

$330/mo

Graded on true cost as a percent of MSRP, against other compact cars. This lease is 1.34%. How we grade

How $239 becomes $330

The ad says $239 a month, and it also asks for $3,499 at signing.
$239 of that is your first payment. The other $3,260 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,260 is $91 a month.

$239advertised payment

$91up-front money, each month

$330true cost a month

$3,499

Due at signing

36 mo

Term

$11,864

Total cost

1.34%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 LXS FWD MSRP $24,635	$239	$3,499	36 mo	$330	C+
2026 EX FWD MSRP $25,735	$259	$3,499	36 mo	$349	C+
2027 LXS FWD MSRP $24,835	$259	$3,499	36 mo	$349	C
2027 EX FWD MSRP $25,835	$279	$3,499	36 mo	$368	C
2026 LXS FWD MSRP $24,635	$239	$3,499	24 mo	$375	D
2027 LXS FWD MSRP $24,835	$259	$3,499	24 mo	$394	F
2026 EX FWD MSRP $25,735	$259	$3,499	24 mo	$394	D
2027 EX FWD MSRP $25,835	$279	$3,499	24 mo	$413	F

The math for the 2026 LXS

Due at signing, with payment 1 in it: $3,499
35 more payments of $239: $8,365
Total for 36 months: $11,864
True cost each month: $330
Cost for each mile, with 30,000 miles allowed: $0.40
Price to buy the car when the lease ends: $15,027

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

$209/mo

True cost

$300/mo

Graded on true cost as a percent of MSRP, against other compact cars. This lease is 1.22%. How we grade

How $209 becomes $300

The ad says $209 a month, and it also asks for $3,499 at signing.
$209 of that is your first payment. The other $3,290 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,290 is $91 a month.

$209advertised payment

$91up-front money, each month

$300true cost a month

$3,499

Due at signing

36 mo

Term

$10,814

Total cost

1.22%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 LXS FWD MSRP $24,635	$209	$3,499	36 mo	$300	A
2026 EX FWD MSRP $25,735	$229	$3,499	36 mo	$320	B+
2027 LXS FWD MSRP $24,835	$229	$3,499	36 mo	$320	B
2027 EX FWD MSRP $25,835	$249	$3,499	36 mo	$339	B
2026 LXS FWD MSRP $24,635	$209	$3,499	24 mo	$346	C
2026 EX FWD MSRP $25,735	$229	$3,499	24 mo	$365	C
2027 LXS FWD MSRP $24,835	$229	$3,499	24 mo	$365	D
2027 EX FWD MSRP $25,835	$249	$3,499	24 mo	$384	D

The math for the 2026 LXS

Due at signing, with payment 1 in it: $3,499
35 more payments of $209: $7,315
Total for 36 months: $10,814
True cost each month: $300
Cost for each mile, with 30,000 miles allowed: $0.36
Price to buy the car when the lease ends: $15,027

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

$229/mo

True cost

$320/mo

Graded on true cost as a percent of MSRP, against other compact cars. This lease is 1.30%. How we grade

How $229 becomes $320

The ad says $229 a month, and it also asks for $3,499 at signing.
$229 of that is your first payment. The other $3,270 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,270 is $91 a month.

$229advertised payment

$91up-front money, each month

$320true cost a month

$3,499

Due at signing

36 mo

Term

$11,514

Total cost

1.30%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 LXS FWD MSRP $24,635	$229	$3,499	36 mo	$320	B
2026 EX FWD MSRP $25,735	$249	$3,499	36 mo	$339	B
2027 LXS FWD MSRP $24,835	$249	$3,499	36 mo	$339	C+
2027 EX FWD MSRP $25,835	$269	$3,499	36 mo	$359	C
2026 LXS FWD MSRP $24,635	$229	$3,499	24 mo	$365	D
2026 EX FWD MSRP $25,735	$249	$3,499	24 mo	$384	D
2027 LXS FWD MSRP $24,835	$249	$3,499	24 mo	$384	F
2027 EX FWD MSRP $25,835	$269	$3,499	24 mo	$404	F

The math for the 2026 LXS

Due at signing, with payment 1 in it: $3,499
35 more payments of $229: $8,015
Total for 36 months: $11,514
True cost each month: $320
Cost for each mile, with 30,000 miles allowed: $0.38
Price to buy the car when the lease ends: $15,027

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 K4 lease changed

Since October 12, 2026, the true cost stayed at $330 a month.

October 12, 2026: $239/mo, $3,499 due, 36 mo: $330
October 17, 2026: $239/mo, $3,499 due, 36 mo: $330
October 31, 2026: $239/mo, $3,499 due, 36 mo: $330
November 5, 2026: $239/mo, $3,499 due, 36 mo: $330
November 11, 2026: $239/mo, $3,499 due, 36 mo: $330

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

How it ranks among compact cars

The Kia K4 has the 5th lowest true cost of 15 compact cars with an advertised lease this month. The lowest is the Toyota Corolla at $310 a month.

The middle true cost in the class is $335 a month, and the Kia K4 costs $6 less. Each month it costs 1.34% of its MSRP, and the middle of the class is 1.33%.