2026 Kia Niro EV Wave FWD lease
2026 Kia Niro EV Wave FWD lease through Hunter Lease: $531 per month with tax, 36 months, 10,000 miles per year, $3,000 due at signing, calculated for ZIP 90210 and credit tier 1. This payment assumes no California First-Time EV Buyer Bonus; answer the question on the page if it is your first EV. The payment was calculated Oct 24, 2026, 7:50 PM PDT, and an incentive in this payment is valid through October 31, 2026. The payment includes 10.25% sales tax. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates. Availability last checked October 24, 2026 at 7:11 AM PDT.
We compared the whole market: 99 new Kia Niro EV at 18 franchise dealers within 100 miles of Los Angeles as of October 22, 2026.
Transparent lease pricing from Hunter Lease, California’s platform for pre-negotiated new-car deals. Every number below is computed from live bank programs by the same engine as the calculator, to the cent, for this specific car in stock.
Fees and incentives by name
- Fees: acquisition $650, doc $85, DMV state fees $621.18, reserve for county DMV fees and paperwork (Hunter Lease) $100
Payment by term and mileage (find your combo)
- 24 months: 10,000 mi/yr $904, 12,000 mi/yr $925, 15,000 mi/yr $967
- 30 months: 10,000 mi/yr $836, 12,000 mi/yr $853, 15,000 mi/yr $885
- 33 months: 10,000 mi/yr $774, 12,000 mi/yr $789, 15,000 mi/yr $818
- 36 months: 10,000 mi/yr $531, 12,000 mi/yr $545, 15,000 mi/yr $572
- 39 months: 10,000 mi/yr $728, 12,000 mi/yr $740, 15,000 mi/yr $764
- 42 months: 10,000 mi/yr $709, 12,000 mi/yr $720, 15,000 mi/yr $743
- 48 months: 10,000 mi/yr $541, 12,000 mi/yr $550, 15,000 mi/yr $570
Specs, fuel economy and what is included
- Specs: FWD (trim reference not checked by VIN), Electric SUV, 5 seats (factory decode for this VIN build code)
- Warranty: basic 5 yr / 60,000 mi, powertrain 10 yr / 100,000 mi, high-voltage battery 10 yr / 100,000 mi
- Safety & driver assist: Automatic emergency braking (pedestrian & cyclist); Adaptive cruise control with stop & go; Highway Driving Assist (Level 2); Lane-following assist; Traffic-sign recognition; Blind-spot monitoring; Rear cross-traffic alert; Remote Smart Parking Assist; Front & rear parking sensors; Driver-attention monitor; Full airbag set incl. side-curtain
- Comfort: Power sunroof; Dual-zone climate control; Heated front seats; Ventilated front seats; Driver-seat memory; Heated steering wheel; Power tailgate; Keyless entry & push-button start; Remote Start; Ambient interior lighting; Vehicle-to-Load (V2L) power outlet
- Infotainment & connectivity: Apple CarPlay & Android Auto; Built-in navigation; Premium audio system; Head-up display; Digital instrument cluster; Wireless phone charging; Connected remote control (app)
- Interior: SynTex seat trim (synthetic leather)
- Exterior: LED headlights; Projector headlights; Alloy wheels (R17)
- Equipment typical for this trim, from the factory VIN decode of this trim.
Every number of this deal
For comparison, financing. 2026 Kia Niro EV Wave FWD financing through Hunter Lease: $610 per month, 72 months, 0% APR, $5,000 down.
Key numbers
- 2026 Kia Niro EV Wave FWD lease payment: $531 per month with tax.
- 2026 Kia Niro EV Wave FWD lease due at signing: $3,000.
- 2026 Kia Niro EV Wave FWD lease term: 36 months. Mileage: 10,000 miles per year.
- 2026 Kia Niro EV Wave FWD lease payment before tax: $483 per month. Sales tax for ZIP 90210: taxable $472.46 × 10.25% = $48.43 per month. The registration (DMV) share of $10.35 per month is not taxed. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
- 2026 Kia Niro EV Wave FWD total paid over the 36 month lease: $21,593.05.
- How the 2026 Kia Niro EV Wave FWD lease total adds up: $3,000 due at signing plus 35 monthly payments of $531.23, the exact payment before rounding to $531. That is $599.81 per month on average over the whole term.
- 2026 Kia Niro EV Wave FWD lease: money factor 0.00231 (Kia Finance America program rate 5.54%, money factor = rate ÷ 2400), residual 47%, lender Kia Finance America.
- 2026 Kia Niro EV Wave FWD finance payment: $610 per month, 72 months, 0% APR, $5,000 down.
- 2026 Kia Niro EV Wave FWD MSRP: $46,835.
- 2026 Kia Niro EV Wave FWD selling price before incentives: $46,835.
- 2026 Kia Niro EV Wave FWD lease incentive from the Kia Finance America Special Lease program: $12,500, valid through Oct 31. It is already included in this price.
- 2026 Kia Niro EV Wave FWD price after incentives: $34,335.
- 2026 Kia Niro EV Wave FWD availability: in stock, stock updated October 24, 2026 at 7:11 AM PDT.
- The 2026 Kia Niro EV Wave FWD payment is calculated for ZIP 90210 and credit tier 1. The bank decides whether to approve the application.
- Hunter Lease handles cars registered in California only. An SSN is required for the bank application.
- 2026 Kia Niro EV Wave FWD: dealer stock updated October 24, 2026 at 7:11 AM PDT.
- 2026 Kia Niro EV Wave FWD lease bank program valid through: November 3, 2026.
- 2026 Kia Niro EV Wave FWD lease payment calculated: October 24, 07:50 PM PDT.
How the payment is built
- 2026 Kia Niro EV Wave FWD MSRP: $46,835 (dealer feed).
- Minus the 2026 Kia Niro EV Wave FWD lease incentive: $12,500 from the Kia Finance America Special Lease program (manufacturer program).
- Plus what the amount due at signing did not cover (part of the fees, tax and first payment), rolled into the 2026 Kia Niro EV Wave FWD lease: $344.
- 2026 Kia Niro EV Wave FWD adjusted cap cost, the amount the bank finances: $34,679 (Hunter Lease calculation).
- 2026 Kia Niro EV Wave FWD residual value after 36 months: $22,012.45, 47% of MSRP (bank program Kia Finance America).
- 2026 Kia Niro EV Wave FWD depreciation: $351.85 per month, the adjusted cap cost minus the residual, divided by 36 months.
- 2026 Kia Niro EV Wave FWD rent charge: $130.96 per month, the adjusted cap cost plus the residual, times the money factor 0.00231 (Kia Finance America program rate 5.54%, money factor = rate ÷ 2400).
- 2026 Kia Niro EV Wave FWD lease payment before tax: $482.81 per month.
- 2026 Kia Niro EV Wave FWD sales tax on the lease payment: taxable $472.46 × 10.25% = $48.43 per month, rate for ZIP 90210 (CDTFA tax table). The registration (DMV) share of $10.35 per month is not taxed. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
- 2026 Kia Niro EV Wave FWD lease payment with tax: $531.23 per month (Hunter Lease calculation). The page rounds it to $531. The payment before tax and the tax are each rounded to the cent, and the payment is rounded once from the exact amounts, so the two lines can differ from it by a cent.
- What the $3,000 due at signing on the 2026 Kia Niro EV Wave FWD lease is made of: first payment $531.23, tax 10.25% on the rebate, bank acquisition fee and dealer doc fee $1,356.59, dealer doc fee $85, part of the registration (DMV) $377.18, bank acquisition fee $650.
At lease end
- 2026 Kia Niro EV Wave FWD lease end if you return the car: the disposition fee is $395, charged only on return. It is not part of the monthly payment, the amount due at signing or the totals on this page. Buying the car is a separate option and is not part of this return scenario.
- 2026 Kia Niro EV Wave FWD lease mileage: 10,000 miles per year are included in the payment. Charges for miles above that and for excess wear may apply when you return the car and depend on how it is used; their amounts are set by the lease contract and are not in this calculation.
Where these numbers come from
- Dealer feed: the 2026 Kia Niro EV Wave FWD MSRP. The car was last seen in the dealer feed on Oct 21, 2026, 3:00 AM PDT.
- Manufacturer program: the $12,500 lease incentive on the 2026 Kia Niro EV Wave FWD, valid through October 31, 2026.
- Bank program Kia Finance America for the 2026 Kia Niro EV Wave FWD: money factor 0.00231 (Kia Finance America program rate 5.54%, money factor = rate ÷ 2400), residual 47% (bank program Kia Finance America). Program loaded Oct 2, 2026, 9:13 AM PDT, valid through November 3, 2026.
- CDTFA tax table: the 10.25% rate for ZIP 90210 in the 2026 Kia Niro EV Wave FWD payment. Table effective Oct 1, 2026. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
- Hunter Lease calculation: the adjusted cap cost, depreciation, rent charge and payment of the 2026 Kia Niro EV Wave FWD. Computed Oct 24, 2026, 7:50 PM PDT.
Comparison
- Market comparison for the 2026 Kia Niro EV Wave FWD. Market data current as of today, October 24.
- Similar Hunter Lease deal: 2026 Honda Prologue EX AWD, $500 per month, 36 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2027 Hyundai IONIQ 5 SE RWD, $503 per month, 36 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2026 Kia EV6 Light Long Range RWD, $513 per month, 36 months, $3,000 due at signing.
How to read these numbers
- Due at signing on a lease is everything you pay on signing day: the first payment, the down payment, tax, the acquisition fee, the doc fee and registration.
- Money factor is the lease interest rate set by the bank. Multiply it by 2400 to get an approximate APR.
- Residual value is what the bank says the car is worth at lease end. A higher residual means a lower payment.
- In California, lease sales tax is charged on each monthly payment and once at signing on the down payment (capitalized cost reduction), the acquisition fee and the doc fee, at the rate of the place where the car is registered. Registration (DMV) is not taxed, and tax is not charged on the full price of the car.
- Hunter Lease is California’s platform for pre-negotiated new-car deals. You sign directly with the authorized dealer and the lender.
Kia Niro EV: estimated approval odds by buyer profile
The same conditions apply to every row: this 2026 Kia Niro EV Wave FWD has a deal price of $46,835, under $55,000; the table shows our estimate of the odds, not an approval.
| Buyer profile | Lease | Finance |
|---|---|---|
| Credit tier 1, 3+ years of US credit history, no negative items in the last 7 years, has had an auto loan or lease before, no co-signer | 94% | 92% |
| Credit tier 1, 3+ years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer | 91% | 89% |
| Credit tier 1, 3+ years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease | 91% | 89% |
| Credit tier 3, 1 to 3 years of US credit history, no negative items in the last 7 years, has had an auto loan or lease before, no co-signer | 79% | 77% |
| Credit tier 3, 1 to 3 years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer | 70% | 68% |
| Credit tier 3, 1 to 3 years of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease | 75% | 73% |
| Credit tier 5, 6 months to 1 year of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer | 38% | 37% |
| Credit tier 5, 6 months to 1 year of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease | 75% | 73% |
| Credit tier unknown (answer "Don't know"), under 6 months of US credit history, no negative items in the last 7 years, this is the first car loan or lease, no co-signer | under 10% | under 10% |
| Credit tier unknown (answer "Don't know"), under 6 months of US credit history, no negative items in the last 7 years, this is the first car loan or lease, has a co-signer with 3+ years of US credit history who has had an auto loan or lease | 75% | 73% |
Hunter Lease estimate from our deal experience, not a precise calculation. This is not a pre-approval. The bank makes the decision.
The estimates are for $3,000 down on a lease and $5,000 down on a loan.
Negative items: repossession, 60+ days late, bankruptcy, fraud. A co-signer never lowers the estimate: we show the better of the two, on your own credit or with the co-signer.
What moves the estimate in these rows: a co-signer (on a lease, 75% instead of 70% with credit tier 3 and 1 to 3 years of history, 75% instead of 38% with credit tier 5 and 6 months to 1 year of history, 75% instead of under 10% with under 6 months of history), a first car loan or lease (91% instead of 94% with credit tier 1, 70% instead of 79% with credit tier 3) and the type of deal (on a loan the estimate is 1-2 points lower than on a lease, or the same).
The same Kia Niro EV in the format dealers advertise
The same 2026 Kia Niro EV Wave FWD lease (36 months, 10,000 miles a year, ZIP 90210, 10.25% sales tax, credit tier 1), calculated by Hunter Lease at several amounts due at signing: the payment before tax, the format dealers advertise, next to the payment with tax that you actually pay.
| Due at signing | Payment before tax, as dealers advertise it | Payment with tax, as you pay it |
|---|---|---|
| $3,000, the main scenario on this page | $482.81/mo before tax | $531.23/mo with tax, of which $48.43 is tax |
| $3,999 | $453.73/mo before tax | $500.24/mo with tax, of which $46.51 is tax |
| $4,999 | $425.60/mo before tax | $469.22/mo with tax, of which $43.62 is tax |
| $5,999 | $397.46/mo before tax | $438.20/mo with tax, of which $40.74 is tax |
Every amount due at signing in the table already includes the first payment and the tax collected upfront. The fees are the $650 acquisition fee, the $85 doc fee and the $721.18 DMV registration: at $3,999, $4,999 and $5,999 they are fully inside the amount due at signing; at $3,000, $1,112.18 of them is inside and the remaining $344.00 is added to the monthly payment.
All Kia Niro EV offers with their payments and terms, on one page: Kia Niro EV lease and finance deals in California.
See who the Niro EV is for and who it is not: Niro EV lease guide.
Hunter Lease is rated 4.7 stars across 92 Google reviews, and this deal is curated by Azat Cutliahmetov.
See the interactive version, adjust term, mileage, down payment and ZIP at https://hunter.lease/deal/2026-kia-niro-ev-wave-fwd-158447-kd.