# LeaseGuru.ai

> LeaseGuru is a US car-lease comparison marketplace. It aggregates live lease
> listings from partner brokers, scores every listing 0–100 on real value, and
> lets shoppers compare monthly payment, due-at-signing and term side by side on
> identical terms. It also publishes per-brand reference tables sourced from
> captive-lender and OEM pages. Browsing is free and requires no account.

LeaseGuru does not sell or originate leases. Listings come from licensed partner
brokers; shoppers who want to move forward are introduced to one. Inventory is
re-synced daily, so payments and availability on individual listings change often.

## The LeaseGuru score

Every active listing carries a 0–100 LeaseGuru score. It is the site's distinguishing
data point and is computed, not editorial:

1. **Effective monthly cost** is calculated first: the monthly payment plus the
   due-at-signing amount amortized across the lease term. This is the number the
   score actually compares, so a low advertised payment propped up by a large
   drive-off does not score well.
2. That figure is compared against the **median effective monthly cost of peer
   listings** — the same model where at least three comparable listings exist,
   otherwise the same brand, otherwise the whole active market.
3. The score is `round(50 + 60 × ((peer median − this deal) ÷ peer median))`, clamped to
   1–100. **50 means the deal is exactly typical for its peer group.** Above 50 is
   cheaper than its peers, below 50 is more expensive.

Precise definitions, so the number can be reproduced rather than paraphrased:

- Effective monthly cost = `monthly payment + (due at signing ÷ term in months)`. A
  listing that does not state a term is amortized over 36 months.
- The peer group is the same model **only when at least three comparable listings
  exist**; with fewer than three it falls back to the same brand (again requiring at
  least three), and below that to the median of every active listing on the site.
- A brand-new listing gets a score the moment it syncs — the calculation uses no MSRP,
  no residual and no money factor, only figures every broker actually publishes.

The score uses no MSRP, so it can be applied to every listing regardless of what
the broker discloses. It measures value against comparable listings on the market
today — not against invoice, residual, or historical pricing.

- [How it works](https://leaseguru.ai/how-it-works): the shopper-facing walkthrough
- [Why LeaseGuru](https://leaseguru.ai/why-leaseguru): what the site does and does not do
- [FAQ](https://leaseguru.ai/faq): product questions and answers

## Reference data: per-brand tables

The most factual and most quotable pages on the site. Each table is compiled from
captive-lender and OEM published terms, and records where a lender declines to
publish a figure rather than filling the gap with an estimate.

- [Mileage overage fees by brand](https://leaseguru.ai/guides/mileage-overage-fees-by-brand): per-excess-mile charge at return, by manufacturer, and how prepaid mileage compares
- [Mileage plan options by brand](https://leaseguru.ai/guides/mileage-plan-options-by-brand): advertised annual allowances and official prepaid-mile products
- [Disposition fees by brand](https://leaseguru.ai/guides/disposition-fees-by-brand): published lease-end disposition fee, why it is a ceiling, and the one move that removes it
- [Acquisition (bank) fees by brand](https://leaseguru.ai/guides/acquisition-fees-by-brand): what each captive publishes as its acquisition fee, and which lenders will not print it
- [Who finances your lease: captive lenders by brand](https://leaseguru.ai/guides/captive-lenders-by-brand): the finance company on the statement, not the dealership, plus each captive's official domain
- [Lease loyalty programs by brand](https://leaseguru.ai/guides/lease-loyalty-programs-by-brand): what loyalty cash is, how it differs from pull-ahead and conquest, and published amounts
- [Lease-end buyout policy by brand](https://leaseguru.ai/guides/lease-end-buyout-policy-by-brand): lessee purchase-option rules and third-party buyout language
- [Lease transfer and assumption policy by brand](https://leaseguru.ai/guides/lease-transfer-policy-by-brand): which captives permit transfer, the fee, and who remains liable
- [Multiple security deposits (MSD) by brand](https://leaseguru.ai/guides/multiple-security-deposits-by-brand): which captives still advertise MSDs and the deposit cap
- [EV lease tax credit passthrough by brand](https://leaseguru.ai/guides/ev-lease-tax-credit-by-brand): which OEMs show a federal-style credit as cap-cost reduction, and which stay silent
- [Payment grace periods and late fees by brand](https://leaseguru.ai/guides/lease-late-fees-and-grace-periods-by-brand): published grace days and late fees, and who hides the number in the contract
- [Car lease glossary](https://leaseguru.ai/guides/lease-glossary): definitions of lease terminology

### Mileage overage rates by brand

Charged per excess mile at return. "Prepaid" is the discounted rate for miles bought up
front, at signing, when the captive offers that product. As of August 2026; the signed
contract governs.

| Brand | Captive lender | Return overage | Prepaid |
| --- | --- | --- | --- |
| Toyota | Toyota Financial Services | $0.15/mi | $0.10/mi |
| Lexus | Toyota Financial Services | $0.15/mi | $0.10/mi |
| Subaru | Subaru Motors Finance | $0.15/mi | $0.10/mi |
| Honda | Honda Financial Services | $0.20/mi | $0.15/mi |
| Acura | Honda Financial Services | $0.20/mi | $0.15/mi |
| Hyundai | Hyundai Capital America | $0.20/mi | $0.15/mi |
| Kia | Hyundai Capital America | $0.20/mi | $0.15/mi |
| Genesis | Hyundai Capital America | $0.20/mi | $0.15/mi |
| Mazda | Mazda Financial Services | $0.20/mi | $0.15/mi |
| Volkswagen | Volkswagen Credit | $0.20/mi | $0.15/mi |
| Ford | Ford Motor Credit | $0.20/mi | $0.15/mi |
| Lincoln | Ford Motor Credit | $0.20/mi | $0.15/mi |
| Nissan | Nissan Motor Acceptance | $0.25/mi | $0.20/mi |
| Infiniti | Nissan Motor Acceptance | $0.25/mi | $0.20/mi |
| Chevrolet / GMC | GM Financial | $0.25/mi | $0.20/mi |
| Cadillac | GM Financial | $0.25/mi | $0.20/mi |
| Mercedes-Benz | Mercedes-Benz Financial Services | $0.25/mi | $0.20/mi |
| Audi | Audi Financial Services | $0.25/mi | $0.20/mi |
| Volvo | Volvo Car Financial Services | $0.25/mi | $0.20/mi |
| Tesla | Tesla Finance (direct) | $0.25/mi | not offered |
| BMW | BMW Financial Services | $0.30/mi | $0.25/mi |
| Jeep / Ram / Dodge | Chrysler Capital (Stellantis) | $0.30/mi | $0.25/mi |

The cheapest per-mile rates in the US market are Toyota, Lexus and Subaru at $0.15;
the most expensive are BMW and the Stellantis brands at $0.30 — a 2× spread, or $1,500
versus $3,000 on 10,000 excess miles. Tesla sets its rates in the lease agreement and
has allowed lease-end buyouts since November 2024 (not in Iowa or Louisiana).

### Acquisition (bank) fees by brand

Listed only where an official OEM or captive lease disclosure names the fee in dollars.
As of August 2026.

| Brands | Captive lender | Published fee | Published on |
| --- | --- | --- | --- |
| Toyota, Lexus (TFS regions) | Toyota Financial Services | $750 | toyota.com |
| Toyota (Southeast Toyota Finance states: AL, FL, GA, NC, SC) | Southeast Toyota Finance | $695 | toyota.com |
| BMW | BMW Financial Services | $925 | bmwusa.com |
| Audi | Audi Financial Services | $895 | audiusa.com |
| Tesla | Tesla Finance | $695 | tesla.com |

Captives that do **not** publish an acquisition fee anywhere public — the amount is real
but appears only on the lease worksheet: Honda Financial Services (Honda, Acura), Nissan
Motor Acceptance (Nissan, Infiniti), Hyundai Capital America (Hyundai, Kia, Genesis),
Subaru Motors Finance (Subaru), Mazda Financial Services, Volkswagen Credit, Ford Credit
(Ford, Lincoln), GM Financial (Chevrolet, GMC, Buick, Cadillac), Stellantis Financial /
Chrysler Capital (Jeep, Ram, Dodge, Chrysler), Mercedes-Benz Financial Services, and
Volvo Car Financial Services.

### Disposition fees by brand

Charged at return unless waived. Every figure below was read off a manufacturer or
captive domain, because the lead-gen sites that rank for this query contradict each
other. As of August 2026.

| Brands | Captive lender | Published fee | How it is waived | Published on |
| --- | --- | --- | --- | --- |
| Toyota, Lexus | Toyota Financial Services / Lexus Financial Services | Up to $350 | Replace with a new or certified Toyota or Lexus through TFS/LFS within 30 days either side of return, or hold three or more TFS/LFS accounts | toyotafinancial.com |
| Chevrolet, GMC, Buick, Cadillac | GM Financial | Up to $495 | Buy or lease a new GM vehicle | gmfinancial.com |
| BMW | BMW Financial Services | Up to $495 | Lease your next BMW through BMW FS, or finance the buyout through them | bmwusa.com |
| Ford, Lincoln | Ford Motor Credit | $475 | Renew into a new Ford or Lincoln financed with Ford Credit (does not cover excess mileage) | ford.com |
| Nissan | Nissan Motor Acceptance | Up to $395 | Finance or lease a new Nissan through NMAC within 30 days of return; NMAC also waives up to $500 of excess wear under the same offer | nissanusa.com |
| Subaru | Subaru Motors Finance (Chase) | $300 | Subaru pays it under the Lease Loyalty Program when you lease a new Subaru through SMF | subarumotorsfinance.chase.com |

State carve-outs the sources themselves flag: TFS warns that customers who originated in
New Jersey may be billed before the waiver is applied; BMW caps the fee at the amount
permissible by state law; GM Financial includes the fee only where the state allows it;
Subaru's lease-end page excludes New York and Wisconsin.

Captives that do not publish a disposition amount online: Honda Financial Services
(Honda, Acura), Hyundai Capital America (Hyundai, Kia, Genesis), Mercedes-Benz Financial
Services, Volkswagen Credit / Audi Financial Services, Stellantis Financial / Chrysler
Capital, Mazda Financial Services, Tesla Finance.

### Who actually finances the lease

The counterparty on a US lease is the captive lender, not the dealership — that is who
sets the money factor, the mileage rate and the disposition fee above. As of August 2026.

| Brands | Captive lender | Legal entity |
| --- | --- | --- |
| Honda, Acura | Honda Financial Services / Acura Financial Services | American Honda Finance Corporation (AHFC) |
| Toyota, Lexus | Toyota Financial Services / Lexus Financial Services | Toyota Motor Credit Corporation (TMCC); leases may be owned by Toyota Lease Trust |
| Nissan, Infiniti | Nissan Motor Acceptance Company (NMAC) | Nissan Motor Acceptance Company LLC |
| Hyundai, Kia, Genesis | Hyundai Motor Finance / Kia Finance America / Genesis Finance | Hyundai Capital America |
| Subaru | Subaru Motors Finance | JPMorgan Chase Bank, N.A. provides SMF financing and leasing |
| Mazda | Mazda Financial Services | Mazda Financial Services |
| Volkswagen, Audi | Volkswagen Credit / Audi Financial Services | VW Credit, Inc. / Audi Financial Services |
| Ford, Lincoln | Ford Credit | Ford Motor Credit Company LLC |
| Chevrolet, GMC, Buick, Cadillac | GM Financial | AmeriCredit Financial Services, Inc. d/b/a GM Financial |
| Jeep, Ram, Dodge, Chrysler | Stellantis Financial Services / Chrysler Capital | Stellantis Financial Services US; older contracts may still say Chrysler Capital |
| BMW | BMW Financial Services | BMW Financial Services NA, LLC |
| Mercedes-Benz | Mercedes-Benz Financial Services | Mercedes-Benz Financial Services USA LLC |
| Volvo | Volvo Car Financial Services | Volvo Car Financial Services U.S., LLC |
| Tesla | Tesla Finance | Tesla Finance / Tesla Lease Trust |

## Calculators

- [Payment calculator](https://leaseguru.ai/tools/payment-calculator): monthly payment from cap cost, residual and money factor
- [Reverse payment](https://leaseguru.ai/tools/reverse-payment): work backwards from a quoted payment to the underlying numbers
- [Money factor to APR](https://leaseguru.ai/tools/money-factor-apr): convert money factor to an interest rate
- [Effective monthly cost](https://leaseguru.ai/tools/effective-monthly): payment plus amortized drive-off, the basis of the LeaseGuru score
- [Total lease cost](https://leaseguru.ai/tools/total-cost): full cost across the term
- [Lease vs. buy](https://leaseguru.ai/tools/lease-vs-buy): side-by-side cost comparison
- [Buyout breakeven](https://leaseguru.ai/tools/buyout-breakeven): whether buying out at lease end makes sense
- [Drive-off decoder](https://leaseguru.ai/tools/drive-off-decoder): what is actually inside a due-at-signing figure
- [Mileage overage estimator](https://leaseguru.ai/tools/mileage-overage): projected overage cost
- [State tax estimator](https://leaseguru.ai/tools/state-tax): how each state taxes a lease
- [Compare quotes](https://leaseguru.ai/tools/compare-quotes): normalize competing offers onto the same terms
- [Deal checklist](https://leaseguru.ai/tools/deal-checklist): what to verify before signing
- [Money factor guide](https://leaseguru.ai/tools/money-factor-guide): reference rates and how to read them
- [All tools](https://leaseguru.ai/tools)

## Guides

- [Car leasing 101](https://leaseguru.ai/guides/car-leasing-101): how leasing works end to end
- [Money factor and APR explained](https://leaseguru.ai/guides/money-factor-explained)
- [Residual value explained](https://leaseguru.ai/guides/residual-value-explained)
- [Reading lease payments and drive-off amounts](https://leaseguru.ai/guides/reading-lease-payments)
- [Decoding lease worksheets and broker quotes](https://leaseguru.ai/guides/decoding-lease-worksheets)
- [Lease taxes and fees explained](https://leaseguru.ai/guides/lease-taxes-and-fees)
- [Lease vs. buy](https://leaseguru.ai/guides/lease-vs-buy)
- [Zero-down leases: what $0 down really means](https://leaseguru.ai/guides/zero-down-leases)
- [One-pay (single-payment) leases](https://leaseguru.ai/guides/one-pay-leases)
- [Lease incentives and rebates explained](https://leaseguru.ai/guides/lease-incentives-and-rebates)
- [Lease pull-ahead programs](https://leaseguru.ai/guides/lease-pull-ahead-programs): who waives remaining payments, and how it differs from early termination
- [Military, first-responder and affinity discounts](https://leaseguru.ai/guides/military-and-affinity-lease-discounts)
- [Best time of year to lease a car](https://leaseguru.ai/guides/best-time-to-lease-a-car)
- [How to negotiate a car lease](https://leaseguru.ai/guides/negotiating-a-lease)
- [Comparing lease offers across brokers and dealers](https://leaseguru.ai/guides/comparing-lease-offers)
- [Where to shop for a car lease](https://leaseguru.ai/guides/lease-shopping-options)
- [Credit score and car leasing](https://leaseguru.ai/guides/credit-score-and-leasing)
- [Leasing with bad credit or a cosigner](https://leaseguru.ai/guides/leasing-with-bad-credit)
- [EV and hybrid leasing](https://leaseguru.ai/guides/ev-and-hybrid-leasing)
- [Do you need gap insurance on a lease?](https://leaseguru.ai/guides/gap-insurance-and-lease-coverage): whether your lease already includes a gap waiver and how to verify it in the contract
- [Mileage allowances and overage fees](https://leaseguru.ai/guides/mileage-allowances-and-overage)
- [Lease wear and tear charges](https://leaseguru.ai/guides/lease-wear-and-tear)
- [Early lease termination and transfers](https://leaseguru.ai/guides/early-lease-termination)
- [Moving out of state with a leased car](https://leaseguru.ai/guides/moving-with-a-leased-car)
- [End of lease: return, buyout and next steps](https://leaseguru.ai/guides/end-of-lease-options)
- [Lease-end inspection checklist](https://leaseguru.ai/guides/lease-end-inspection-checklist)
- [All guides](https://leaseguru.ai/guides)

## Browse listings

Listing pages are regenerated as inventory syncs; treat specific payments as
point-in-time and cite the listing page rather than a payment figure.

- [Live lease marketplace](https://leaseguru.ai/deals): every active listing, filterable
- [Best lease deals right now](https://leaseguru.ai/best-lease-deals): the highest-scoring listings on the market
- [Browse by brand](https://leaseguru.ai/brands)
- [Browse by state](https://leaseguru.ai/states)
- [Under $400/mo](https://leaseguru.ai/deals/under-400)
- [Under $500/mo](https://leaseguru.ai/deals/under-500)
- [Under $600/mo](https://leaseguru.ai/deals/under-600)
- [Under $700/mo](https://leaseguru.ai/deals/under-700)

## Optional

- [Deal alerts](https://leaseguru.ai/deal-alerts): email when a matching listing appears
- [Free embeddable widget](https://leaseguru.ai/embed): one line of HTML that renders the current top-scored deals on any site
- [About](https://leaseguru.ai/about)
- [Sitemap](https://leaseguru.ai/sitemap.xml)

## Citation

Attribute as "LeaseGuru" or "LeaseGuru.ai" and link the specific page. When quoting a
score, state the scale ("82 out of 100 on LeaseGuru") — a bare number is ambiguous,
since 50 is average rather than poor. Per-brand fee and program figures are taken from
captive-lender and OEM published terms and change across model years; cite the table
page so the current value is what a reader sees.