Advertised payment vs true costNovember 2026

A lease ad shows the monthly payment. The amount due at signing is extra, so the real cost each month is higher. This month the typical gap is $111 a month. The largest is the GMC HUMMER EV Pickup: advertised at $999, it costs $1,642 a month, $643 more.

6 leases ask for nothing at signing, so the advertised payment is the true cost. The true cost is the total of every payment and the amount due at signing, divided by the months of the lease. How we calculate

The 25 biggest gaps

ModelAdTrue costGap
GMC HUMMER EV Pickup
$16,439 due, 24 mo
$999$1,642+$643
GMC Hummer EV SUV
$18,259 due, 36 mo
$1,189$1,663+$474
GMC Sierra EV
$11,639 due, 24 mo
$599$1,059+$460
Mercedes-Benz GLS SUV
$8,763 due, 24 mo
$969$1,294+$325
Chevrolet Traverse
$7,049 due, 24 mo
$499$772+$273
Mercedes-Benz S-Class Sedan
$11,083 due, 36 mo
$1,289$1,561+$272
Cadillac Vistiq
$7,369 due, 24 mo
$889$1,159+$270
Chevrolet Silverado 1500
$6,699 due, 24 mo
$289$556+$267
Chevrolet Colorado
$6,521 due, 24 mo
$249$510+$261
Buick Envision
$6,413 due, 24 mo
$339$592+$253
Mercedes-Benz SL Roadster
$10,073 due, 36 mo
$1,279$1,523+$244
Mercedes-Benz E-Class Sedan
$6,533 due, 24 mo
$699$942+$243
GMC Sierra 2500 HD
$9,539 due, 36 mo
$799$1,042+$243
Genesis GV80
$5,999 due, 24 mo
$369$604+$235
Mercedes-Benz EQS Sedan
$9,333 due, 36 mo
$1,219$1,444+$225
GMC Sierra 1500
$5,649 due, 24 mo
$349$570+$221
Mercedes-Benz GLE SUV
$5,896 due, 24 mo
$619$839+$220
Genesis GV80 Coupe
$5,999 due, 24 mo
$709$929+$220
Chevrolet Blazer
$5,469 due, 24 mo
$349$562+$213
Mercedes-Benz EQS SUV
$8,513 due, 36 mo
$1,219$1,422+$203
Mercedes-Benz E-Class Wagon
$8,203 due, 36 mo
$1,079$1,277+$198
Genesis G70
$4,999 due, 24 mo
$319$514+$195
GMC Acadia
$5,149 due, 24 mo
$479$674+$195
GMC Yukon XL
$7,979 due, 36 mo
$959$1,154+$195
Hyundai Ioniq 5
$4,999 due, 24 mo
$349$543+$194

The smallest gaps

These leases ask for little at signing, so the ad is close to the real cost.

Hyundai Elantra$319/mo, $319 due+$0
Hyundai Kona$339/mo, $339 due+$0
Hyundai Tucson$379/mo, $379 due+$0
INFINITI QX65$659/mo, $0 due+$0
INFINITI QX60$679/mo, $0 due+$0
INFINITI QX80$1,019/mo, $0 due+$0
Chevrolet Silverado EV$779/mo, $3,339 due+$66
Nissan Sentra$269/mo, $2,639 due+$66
Mercedes-Benz CLA Sedan$539/mo, $2,963 due+$67
Nissan Kicks$289/mo, $2,909 due+$73