Is the Kia Niro EV lease a good deal?

Advertised at $299/mo, the Kia Niro EV truly costs about $402/mo once the $3,999 due at signing is spread across the 36-month term. We grade it A+.

What is the real monthly cost of the Kia Niro EV lease?

About $402 per month, versus the $299 advertised payment.

Kia Niro EV Lease Deals: $299/mo, True Cost $402/mo (November 2026)

Updated November 2026 · Offer source

Advertised$299/mo

Due at signing$3,999

Term36 months

True cost$402/mo

GradeA+

Offer endsJanuary 4, 2027

vs rivals: Subaru Trailseeker $626/mo · Subaru Solterra $595/mo · Kia EV6 $532/mo

All 41 small SUVs with a lease, ranked →

A+

Deal grade

Advertised

$299/mo

True cost

$402/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 0.97%. How we grade

How $299 becomes $402

The ad says $299 a month, and it also asks for $3,999 at signing.
$299 of that is your first payment. The other $3,700 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,700 is $103 a month.

$299advertised payment

$103up-front money, each month

$402true cost a month

$3,999

Due at signing

36 mo

Term

$14,464

Total cost

0.97%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 Wind FWD MSRP $41,195	$299	$3,999	36 mo	$402	A+
2026 Wind FWD MSRP $41,195	$269	$3,999	24 mo	$424	A+

The math for the 2026 Wind

Due at signing, with payment 1 in it: $3,999
35 more payments of $299: $10,465
Total for 36 months: $14,464
True cost each month: $402
Cost for each mile, with 30,000 miles allowed: $0.48
Price to buy the car when the lease ends: $18,126

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

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

A+

Deal grade

Advertised

$269/mo

True cost

$373/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 0.91%. How we grade

How $269 becomes $373

The ad says $269 a month, and it also asks for $3,999 at signing.
$269 of that is your first payment. The other $3,730 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,730 is $104 a month.

$269advertised payment

$104up-front money, each month

$373true cost a month

$3,999

Due at signing

36 mo

Term

$13,414

Total cost

0.91%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 Wind FWD MSRP $41,195	$269	$3,999	36 mo	$373	A+
2026 Wind FWD MSRP $41,195	$239	$3,999	24 mo	$396	A+

The math for the 2026 Wind

Due at signing, with payment 1 in it: $3,999
35 more payments of $269: $9,415
Total for 36 months: $13,414
True cost each month: $373
Cost for each mile, with 30,000 miles allowed: $0.45
Price to buy the car when the lease ends: $18,126

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

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

A+

Deal grade

Advertised

$289/mo

True cost

$392/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 0.95%. How we grade

How $289 becomes $392

The ad says $289 a month, and it also asks for $3,999 at signing.
$289 of that is your first payment. The other $3,710 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,710 is $103 a month.

$289advertised payment

$103up-front money, each month

$392true cost a month

$3,999

Due at signing

36 mo

Term

$14,114

Total cost

0.95%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 Wind FWD MSRP $41,195	$289	$3,999	36 mo	$392	A+

The math for the 2026 Wind

Due at signing, with payment 1 in it: $3,999
35 more payments of $289: $10,115
Total for 36 months: $14,114
True cost each month: $392
Cost for each mile, with 30,000 miles allowed: $0.47
Price to buy the car when the lease ends: $18,126

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 Niro EV lease changed

Since October 12, 2026, the true cost stayed at $402 a month.

October 12, 2026: $299/mo, $3,999 due, 36 mo: $402
October 17, 2026: $299/mo, $3,999 due, 36 mo: $402
October 31, 2026: $299/mo, $3,999 due, 36 mo: $402
November 5, 2026: $299/mo, $3,999 due, 36 mo: $402
November 11, 2026: $299/mo, $3,999 due, 36 mo: $402

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 Niro EV has the 18th 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 Niro EV costs $9 less. Each month it costs 0.97% of its MSRP, and the middle of the class is 1.33%.