Is the Kia Niro lease a good deal?

Advertised at $289/mo, the Kia Niro truly costs about $378/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 Niro lease?

About $378 per month, versus the $289 advertised payment.

Kia Niro Lease Deals: $289/mo, True Cost $378/mo (November 2026)

Updated November 2026 · Offer source

Advertised$289/mo

Due at signing$3,499

Term36 months

True cost$378/mo

GradeC+

Offer endsJanuary 4, 2027

vs rivals: Toyota Corolla Cross $380/mo · Subaru Crosstrek $318/mo · Hyundai Tucson $379/mo

All 41 small SUVs with a lease, ranked →

C+

Deal grade

Advertised

$289/mo

True cost

$378/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.31%. How we grade

How $289 becomes $378

The ad says $289 a month, and it also asks for $3,499 at signing.
$289 of that is your first payment. The other $3,210 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,210 is $89 a month.

$289advertised payment

$89up-front money, each month

$378true cost a month

$3,499

Due at signing

36 mo

Term

$13,614

Total cost

1.31%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 LX FWD MSRP $28,885	$289	$3,499	36 mo	$378	C+
2027 LX FWD MSRP $31,385	$299	$3,799	36 mo	$396	B
2027 S FWD MSRP $32,085	$309	$3,799	36 mo	$406	B
2026 EX FWD MSRP $31,685	$319	$3,499	36 mo	$407	B
2026 LX FWD MSRP $28,885	$289	$3,499	24 mo	$423	D
2027 LX FWD MSRP $31,385	$299	$3,799	24 mo	$445	C
2026 EX FWD MSRP $31,685	$319	$3,499	24 mo	$452	C
2027 S FWD MSRP $32,085	$309	$3,799	24 mo	$454	C

The math for the 2026 LX

Due at signing, with payment 1 in it: $3,499
35 more payments of $289: $10,115
Total for 36 months: $13,614
True cost each month: $378
Cost for each mile, with 30,000 miles allowed: $0.45
Price to buy the car when the lease ends: $16,176

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

$259/mo

True cost

$349/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.21%. How we grade

How $259 becomes $349

The ad says $259 a month, and it also asks for $3,499 at signing.
$259 of that is your first payment. The other $3,240 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,240 is $90 a month.

$259advertised payment

$90up-front money, each month

$349true cost a month

$3,499

Due at signing

36 mo

Term

$12,564

Total cost

1.21%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 LX FWD MSRP $28,885	$259	$3,499	36 mo	$349	B+
2027 LX FWD MSRP $31,385	$269	$3,799	36 mo	$367	A
2027 S FWD MSRP $32,085	$279	$3,799	36 mo	$377	B+
2026 EX FWD MSRP $31,685	$289	$3,499	36 mo	$378	B+
2026 LX FWD MSRP $28,885	$259	$3,499	24 mo	$394	C+
2027 LX FWD MSRP $31,385	$269	$3,799	24 mo	$416	C+
2026 EX FWD MSRP $31,685	$289	$3,499	24 mo	$423	C+
2027 S FWD MSRP $32,085	$279	$3,799	24 mo	$426	C+

The math for the 2026 LX

Due at signing, with payment 1 in it: $3,499
35 more payments of $259: $9,065
Total for 36 months: $12,564
True cost each month: $349
Cost for each mile, with 30,000 miles allowed: $0.42
Price to buy the car when the lease ends: $16,176

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

$279/mo

True cost

$368/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.28%. How we grade

How $279 becomes $368

The ad says $279 a month, and it also asks for $3,499 at signing.
$279 of that is your first payment. The other $3,220 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,220 is $89 a month.

$279advertised payment

$89up-front money, each month

$368true cost a month

$3,499

Due at signing

36 mo

Term

$13,264

Total cost

1.28%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 LX FWD MSRP $28,885	$279	$3,499	36 mo	$368	B
2027 LX FWD MSRP $31,385	$289	$3,799	36 mo	$387	B+
2027 S FWD MSRP $32,085	$299	$3,799	36 mo	$396	B+
2026 EX FWD MSRP $31,685	$309	$3,499	36 mo	$398	B
2026 LX FWD MSRP $28,885	$279	$3,499	24 mo	$413	C
2027 LX FWD MSRP $31,385	$289	$3,799	24 mo	$435	C
2026 EX FWD MSRP $31,685	$309	$3,499	24 mo	$442	C
2027 S FWD MSRP $32,085	$299	$3,799	24 mo	$445	C

The math for the 2026 LX

Due at signing, with payment 1 in it: $3,499
35 more payments of $279: $9,765
Total for 36 months: $13,264
True cost each month: $368
Cost for each mile, with 30,000 miles allowed: $0.44
Price to buy the car when the lease ends: $16,176

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 lease changed

Since October 12, 2026, the true cost stayed at $378 a month.

October 12, 2026: $289/mo, $3,499 due, 36 mo: $378
October 17, 2026: $289/mo, $3,499 due, 36 mo: $378
October 31, 2026: $289/mo, $3,499 due, 36 mo: $378
November 5, 2026: $289/mo, $3,499 due, 36 mo: $378
November 11, 2026: $289/mo, $3,499 due, 36 mo: $378

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 has the 10th 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 costs $33 less. Each month it costs 1.31% of its MSRP, and the middle of the class is 1.33%.