2026 Toyota Camry Hybrid XSE lease
2026 Toyota Camry Hybrid XSE lease through Hunter Lease: $556 per month with tax, 48 months, 7,500 miles per year, $3,000 due at signing, calculated for ZIP 90210 and credit tier 1 (740+). The payment was calculated Oct 18, 2026, 8:29 PM PDT, and the discount negotiated by Hunter Lease in this payment is recalculated Oct 20, 2026, 10:00 PM PDT. 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 18, 2026 at 7:11 AM PDT.
We compared the whole market: 6,064 new Toyota Camry Hybrid at franchise dealers within 100 miles of Los Angeles as of October 16, 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 $750, doc $85, DMV state fees $565.19, reserve for county DMV fees and paperwork (Hunter Lease) $100
Payment by term and mileage (find your combo)
- 33 months: 7,500 mi/yr $569, 10,000 mi/yr $581, 12,000 mi/yr $593, 15,000 mi/yr $618
- 36 months: 7,500 mi/yr $560, 10,000 mi/yr $571, 12,000 mi/yr $583, 15,000 mi/yr $605
- 39 months: 7,500 mi/yr $568, 10,000 mi/yr $578, 12,000 mi/yr $588, 15,000 mi/yr $608
- 42 months: 7,500 mi/yr $561, 10,000 mi/yr $570, 12,000 mi/yr $579, 15,000 mi/yr $597
- 48 months: 7,500 mi/yr $556, 10,000 mi/yr $564, 12,000 mi/yr $572, 15,000 mi/yr $587
Specs, fuel economy and what is included
- EPA fuel economy (MPG): city 47, hwy 45, combined 46
- Specs: 2.5L I4 (factory decode for this VIN build code), FWD (factory decode for this VIN build code), Sedan, 5 seats (factory decode for this VIN build code)
- Warranty: basic 3 yr / 36,000 mi, powertrain 5 yr / 60,000 mi, high-voltage battery 10 yr / 150,000 mi
- Safety & driver assist: Automatic emergency braking (pedestrian & cyclist); Adaptive cruise control; Highway assist; Lane-following assist; Traffic-sign recognition; Rear cross-traffic alert; Rear parking sensors; Driver-attention monitor; Full airbag set incl. side-curtain
- Comfort: Dual-zone climate control; Heated front seats; Heated steering wheel; Keyless entry & push-button start; Remote engine start; Ambient interior lighting
- Infotainment & connectivity: Wireless Apple CarPlay & Android Auto; Built-in navigation; Digital instrument cluster; 12.3" central display; Wireless phone charging; Connected remote control (app); Over-the-air updates; Built-in Wi-Fi hotspot
- Interior: Leather seats
- Exterior: LED headlights; Projector headlights; Alloy wheels (R19)
- Equipment typical for this trim, from the factory VIN decode of this trim.
Every number of this deal
Summary. The discount negotiated by Hunter Lease in this payment is recalculated Oct 20 at 10:00 PM PDT.
For comparison, financing. 2026 Toyota Camry Hybrid XSE financing through Hunter Lease: $646 per month, 72 months, 6.99% APR, $5,000 down.
Key numbers
- 2026 Toyota Camry Hybrid XSE lease payment: $556 per month with tax.
- 2026 Toyota Camry Hybrid XSE lease due at signing: $3,000.
- 2026 Toyota Camry Hybrid XSE lease term: 48 months. Mileage: 7,500 miles per year.
- 2026 Toyota Camry Hybrid XSE lease payment before tax: $504 per month. Sales tax for ZIP 90210: taxable $504.28 × 10.25% = $51.69 per month. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
- 2026 Toyota Camry Hybrid XSE total paid over the 48 month lease: $29,130.12.
- How the 2026 Toyota Camry Hybrid XSE lease total adds up: $3,000 due at signing plus 47 monthly payments of $555.96, the exact payment before rounding to $556. That is $606.88 per month on average over the whole term.
- 2026 Toyota Camry Hybrid XSE lease: money factor 0.0032 (Toyota Financial Services program rate 7.68%, money factor = rate ÷ 2400), residual 57% (Hunter Lease estimate: the Toyota Financial Services base-mileage residual adjusted for 7,500 miles per year), lender Toyota Financial Services.
- 2026 Toyota Camry Hybrid XSE finance payment: $646 per month, 72 months, 6.99% APR, $5,000 down.
- 2026 Toyota Camry Hybrid XSE MSRP: $39,361.
- Discount negotiated by Hunter Lease on the 2026 Toyota Camry Hybrid XSE: $1,139.
- 2026 Toyota Camry Hybrid XSE price after incentives: $38,222.
- 2026 Toyota Camry Hybrid XSE availability: in stock, stock updated October 18, 2026 at 7:11 AM PDT.
- The 2026 Toyota Camry Hybrid XSE payment is calculated for ZIP 90210 and a 740+ credit score. 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 Toyota Camry Hybrid XSE: dealer stock updated October 18, 2026 at 7:11 AM PDT.
- 2026 Toyota Camry Hybrid XSE lease bank program valid through: November 3, 2026.
- 2026 Toyota Camry Hybrid XSE lease payment calculated: October 18, 08:29 PM PDT.
How the payment is built
- 2026 Toyota Camry Hybrid XSE MSRP: $39,361 (dealer feed).
- 2026 Toyota Camry Hybrid XSE price with the discount negotiated by Hunter Lease: $38,221.61, which is MSRP minus the $1,139.39 discount.
- Minus the down payment applied to the 2026 Toyota Camry Hybrid XSE price: $778.47.
- 2026 Toyota Camry Hybrid XSE adjusted cap cost, the amount the bank finances: $37,443.14 (Hunter Lease calculation).
- 2026 Toyota Camry Hybrid XSE residual value after 48 months: $22,435.26, 57% of MSRP (Hunter Lease estimate: the Toyota Financial Services base-mileage residual adjusted for 7,500 miles per year).
- 2026 Toyota Camry Hybrid XSE depreciation: $312.66 per month, the adjusted cap cost minus the residual, divided by 48 months.
- 2026 Toyota Camry Hybrid XSE rent charge: $191.61 per month, the adjusted cap cost plus the residual, times the money factor 0.0032 (Toyota Financial Services program rate 7.68%, money factor = rate ÷ 2400).
- 2026 Toyota Camry Hybrid XSE lease payment before tax: $504.28 per month. Depreciation and rent charge are each rounded to the cent, so their sum can differ by a cent.
- 2026 Toyota Camry Hybrid XSE sales tax on the lease payment: taxable $504.28 × 10.25% = $51.69 per month, rate for ZIP 90210 (CDTFA tax table). The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
- 2026 Toyota Camry Hybrid XSE lease payment with tax: $555.96 per month (Hunter Lease calculation). The page rounds it to $556. 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 Toyota Camry Hybrid XSE lease is made of: first payment $555.96, down payment $778.47, tax 10.25% on the down payment, bank acquisition fee and dealer doc fee $165.38, dealer doc fee $85, registration (DMV), state fees $565.19, reserve for county DMV fees and paperwork (Hunter Lease) $100, bank acquisition fee $750.
At lease end
- 2026 Toyota Camry Hybrid XSE 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 Toyota Camry Hybrid XSE lease mileage: 7,500 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 Toyota Camry Hybrid XSE MSRP. The car was last seen in the dealer feed on Oct 11, 2026, 3:01 AM PDT.
- Discount negotiated by Hunter Lease with the dealer: $1,139.39 on the 2026 Toyota Camry Hybrid XSE.
- Bank program Toyota Financial Services for the 2026 Toyota Camry Hybrid XSE: money factor 0.0032 (Toyota Financial Services program rate 7.68%, money factor = rate ÷ 2400), residual 57% (Hunter Lease estimate: the Toyota Financial Services base-mileage residual adjusted for 7,500 miles per year). Program loaded Oct 2, 2026, 5:06 PM PDT, valid through November 3, 2026.
- CDTFA tax table: the 10.25% rate for ZIP 90210 in the 2026 Toyota Camry Hybrid XSE 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 Toyota Camry Hybrid XSE. Computed Oct 18, 2026, 8:29 PM PDT.
- Hunter Lease market sample: the comparison of the 2026 Toyota Camry Hybrid XSE price with the market. Sample collected Oct 7, 2026, 1:55 PM PDT.
Comparison
- The Hunter Lease price for the 2026 Toyota Camry Hybrid XSE is $1,496 below the market price: compared with 642 listings at 63 dealers within 100 miles of Los Angeles.
- Market comparison for the 2026 Toyota Camry Hybrid XSE. Market data current as of today, October 18.
- The discount and payment history on the page covers cars of this trim on Hunter Lease; the discount on each date is the largest discount negotiated by Hunter Lease, the payment is the lowest payment of the month. It may be a different car of the same trim.
- Similar Hunter Lease deal: 2026 Subaru WRX Base (M6) Manual, $343 per month, 36 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2026 Mazda Mazda3 Sedan 2.5 S Carbon Edition AWD, $352 per month, 36 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2026 Mazda Mazda3 2.5 S Carbon Edition AWD, $354 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.
Toyota Camry Hybrid: estimated approval odds by buyer profile
The same conditions apply to every row: this 2026 Toyota Camry Hybrid XSE has a deal price of $38,222, under $55,000; the table shows our estimate of the odds, not an approval.
| Buyer profile | Lease | Finance |
|---|---|---|
| Score 740+, 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 | High | High |
| Score 740+, 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 | Moderate | Moderate |
| Score 740+, 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 | Moderate | Moderate |
| Score 680-719, 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 | Moderate | Moderate |
| Score 680-719, 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 | Low | Low |
| Score 680-719, 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 | Moderate | Moderate |
| Score 620-659, 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 | Low | Low |
| Score 620-659, 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 | Moderate | Moderate |
| Score 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 | Low | Low |
| Score 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 | Moderate | Moderate |
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, moderate instead of low with a 680-719 score and 1 to 3 years of history, moderate instead of low with a 620-659 score and 6 months to 1 year of history, moderate instead of low with under 6 months of history) and a first car loan or lease (moderate instead of high with a 740+ score, low instead of moderate with a 680-719 score).
The same Toyota Camry Hybrid in the format dealers advertise
The same 2026 Toyota Camry Hybrid XSE lease (48 months, 7,500 miles a year, ZIP 90210, 10.25% sales tax, credit tier 1 (740+)), 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 | $504.28/mo before tax | $555.96/mo with tax, of which $51.69 is tax |
| $3,999 | $481.96/mo before tax | $531.36/mo with tax, of which $49.40 is tax |
| $4,999 | $459.63/mo before tax | $506.74/mo with tax, of which $47.11 is tax |
| $5,999 | $437.29/mo before tax | $482.11/mo with tax, of which $44.82 is tax |
Every amount due at signing in the table already includes the first payment, the tax collected upfront and the fees: the $750 acquisition fee, the $85 doc fee and the $665.19 DMV registration.
Toyota Camry Hybrid prices among Hunter Lease dealers today
A 2026 Toyota Camry Hybrid lease for 36 to 48 months, 7,500 miles a year, $3,000 due at signing, ZIP 90012, credit tier 1 (740+): from $427.93 to $680.13 a month with tax, median $510.53. 127 cars at 3 dealers.
All the figures, the sample and how we calculate: the Toyota Camry Hybrid lease page
All Toyota Camry Hybrid offers with their payments and terms, on one page: Toyota Camry Hybrid lease and finance deals in California.
See who the Camry Hybrid is for and who it is not: Camry Hybrid 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-toyota-camry-hybrid-xse-361932.