2027 Cadillac OPTIQ Luxury lease
2027 Cadillac OPTIQ Luxury lease through Hunter Lease: $782 per month with tax, 36 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 13, 2026, 8:26 PM PDT, and the bank program behind this payment is valid through November 3, 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. The $195 Hunter Lease service fee is charged separately at booking. Availability last checked October 13, 2026 at 7:11 AM PDT.
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 $695, doc $85, DMV state fees $655.05, reserve for county DMV fees and paperwork (Hunter Lease) $100
Payment by term and mileage (find your combo)
- 24 months: 7,500 mi/yr $825, 10,000 mi/yr $848, 12,000 mi/yr $872, 15,000 mi/yr $920
- 27 months: 7,500 mi/yr $1,219, 10,000 mi/yr $1,239, 12,000 mi/yr $1,259, 15,000 mi/yr $1,299
- 30 months: 7,500 mi/yr $1,159, 10,000 mi/yr $1,177, 12,000 mi/yr $1,194, 15,000 mi/yr $1,230
- 36 months: 7,500 mi/yr $782, 10,000 mi/yr $797, 12,000 mi/yr $812, 15,000 mi/yr $842
- 39 months: 7,500 mi/yr $791, 10,000 mi/yr $805, 12,000 mi/yr $819, 15,000 mi/yr $846
- 48 months: 7,500 mi/yr $887, 10,000 mi/yr $898, 12,000 mi/yr $909, 15,000 mi/yr $930
Specs, fuel economy and what is included
- Specs: RWD (decode of a car with the same VIN build code), SUV, 5 seats (decode of a car with the same VIN build code)
- Warranty: basic 4 yr / 50,000 mi, powertrain 0 yr / 0 mi
- Safety & driver assist: Automatic emergency braking (pedestrian & cyclist); Adaptive cruise control with stop & go; Highway assist; Lane-following assist; Automatic lane-change assist; Traffic-sign recognition; Blind-spot monitoring; Rear cross-traffic avoidance with braking; Surround-view 360° camera; Automatic parking assist; Front & rear parking sensors; Driver-attention monitor; Full airbag set incl. side-curtain
- Comfort: Panoramic roof; Dual-zone climate control; Heated front seats; Driver-seat massage; Driver-seat memory; Heated steering wheel; Power tailgate; Keyless entry & push-button start; Remote Start; Ambient interior lighting; 110/115 V household outlet
- Infotainment & connectivity: Built-in navigation; EV route planner; Premium audio system; Digital instrument cluster; Wireless phone charging; Connected remote control (app); Over-the-air updates; Built-in Wi-Fi hotspot
- Interior: Synthetic leather seats
- Exterior: LED headlights; Projector headlights; Alloy wheels (R20)
- Equipment typical for this trim: VIN decode data for another car of the same model year and trim, not checked against this exact VIN.
Every number of this deal
Summary. 2027 Cadillac OPTIQ Luxury financing through Hunter Lease: $880 per month, 72 months, 5.90% APR, $5,000 down.
Key numbers
- 2027 Cadillac OPTIQ Luxury lease payment: $782 per month with tax.
- 2027 Cadillac OPTIQ Luxury lease due at signing: $3,000.
- 2027 Cadillac OPTIQ Luxury lease term: 36 months. Mileage: 7,500 miles per year.
- 2027 Cadillac OPTIQ Luxury lease payment before tax: $709 per month. Sales tax for ZIP 90210: taxable $709.37 × 10.25% = $72.71 per month. The rate is the CDTFA rate for this ZIP; the exact rate follows the registration address, and some ZIPs span two rates.
- 2027 Cadillac OPTIQ Luxury total paid over the 36 month lease: $30,373.15.
- How the 2027 Cadillac OPTIQ Luxury lease total adds up: $3,000 due at signing plus 35 monthly payments of $782.09, the exact payment before rounding to $782. That is $843.70 per month on average over the whole term.
- With the $195 Hunter Lease service fee, paid once at booking, the total is $30,568.15 and the average is $849.12 per month.
- 2027 Cadillac OPTIQ Luxury lease: money factor 0.00225 (GM Financial program rate 5.4%, money factor = rate ÷ 2400), residual 63% (Hunter Lease estimate: the GM Financial base-mileage residual adjusted for 7,500 miles per year), lender GM Financial.
- 2027 Cadillac OPTIQ Luxury finance payment: $880 per month, 72 months, 5.90% APR, $5,000 down.
- 2027 Cadillac OPTIQ Luxury MSRP: $52,046.
- 2027 Cadillac OPTIQ Luxury price after incentives: $52,046.
- 2027 Cadillac OPTIQ Luxury availability: in stock, stock updated October 13, 2026 at 7:11 AM PDT, 3 left.
- The 2027 Cadillac OPTIQ Luxury payment is calculated for ZIP 90210 and a 740+ credit score. The bank decides whether to approve the application.
- Hunter Lease service fee: $195 at booking. Can I get the $195 back? Yes. Until you sign the contract for the car you can ask for a full refund for any reason.
- Hunter Lease handles cars registered in California only. An SSN is required for the bank application.
- 2027 Cadillac OPTIQ Luxury: dealer stock updated October 13, 2026 at 7:11 AM PDT.
- 2027 Cadillac OPTIQ Luxury lease bank program valid through: November 3, 2026.
- 2027 Cadillac OPTIQ Luxury lease payment calculated: October 13, 08:26 PM PDT.
How the payment is built
- 2027 Cadillac OPTIQ Luxury MSRP: $52,046 (dealer feed).
- Minus the down payment applied to the 2027 Cadillac OPTIQ Luxury price: $546.86.
- 2027 Cadillac OPTIQ Luxury adjusted cap cost, the amount the bank finances: $51,499.14 (Hunter Lease calculation).
- 2027 Cadillac OPTIQ Luxury residual value after 36 months: $32,788.98, 63% of MSRP (Hunter Lease estimate: the GM Financial base-mileage residual adjusted for 7,500 miles per year).
- 2027 Cadillac OPTIQ Luxury depreciation: $519.73 per month, the adjusted cap cost minus the residual, divided by 36 months.
- 2027 Cadillac OPTIQ Luxury rent charge: $189.65 per month, the adjusted cap cost plus the residual, times the money factor 0.00225 (GM Financial program rate 5.4%, money factor = rate ÷ 2400).
- 2027 Cadillac OPTIQ Luxury lease payment before tax: $709.37 per month. Depreciation and rent charge are each rounded to the cent, so their sum can differ by a cent.
- 2027 Cadillac OPTIQ Luxury sales tax on the lease payment: taxable $709.37 × 10.25% = $72.71 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.
- 2027 Cadillac OPTIQ Luxury lease payment with tax: $782.09 per month (Hunter Lease calculation). The page rounds it to $782. 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 2027 Cadillac OPTIQ Luxury lease is made of: first payment $782.09, down payment $546.86, tax 10.25% on the down payment, bank acquisition fee and dealer doc fee $136, dealer doc fee $85, registration (DMV), state fees $655.05, reserve for county DMV fees and paperwork (Hunter Lease) $100, bank acquisition fee $695.
At lease end
- 2027 Cadillac OPTIQ Luxury 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.
- 2027 Cadillac OPTIQ Luxury 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 2027 Cadillac OPTIQ Luxury MSRP. The car was last seen in the dealer feed on Oct 9, 2026, 9:12 AM PDT.
- Bank program GM Financial for the 2027 Cadillac OPTIQ Luxury: money factor 0.00225 (GM Financial program rate 5.4%, money factor = rate ÷ 2400), residual 63% (Hunter Lease estimate: the GM Financial base-mileage residual adjusted for 7,500 miles per year). Program loaded Oct 7, 2026, 11:49 AM PDT, valid through November 3, 2026.
- CDTFA tax table: the 10.25% rate for ZIP 90210 in the 2027 Cadillac OPTIQ Luxury 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 2027 Cadillac OPTIQ Luxury. Computed Oct 13, 2026, 8:26 PM PDT.
Comparison
- Similar Hunter Lease deal: 2026 Lexus NX 350 Premium AWD, $463 per month, 27 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2026 Mercedes-Benz GLA 250 SUV, $525 per month, 24 months, $3,000 due at signing.
- Similar Hunter Lease deal: 2026 Acura ADX w/A-Spec Package AWD, $547 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.
- The Hunter Lease service fee is paid once at booking. It is not part of the monthly payment or the due at signing amount.
- Hunter Lease is California’s platform for pre-negotiated new-car deals. You sign directly with the authorized dealer and the lender.
Cadillac OPTIQ: estimated approval odds by buyer profile
The same conditions apply to every row: this 2027 Cadillac OPTIQ Luxury has a deal price of $52,046, 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 | Low | Low |
| 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 740+ score and 3+ years of history, 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 (low instead of high with a 740+ score, low instead of moderate with a 680-719 score).
The same Cadillac OPTIQ in the format dealers advertise
The same 2027 Cadillac OPTIQ Luxury lease (36 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 | $709.37/mo before tax | $782.09/mo with tax, of which $72.71 is tax |
| $3,999 | $681.32/mo before tax | $751.16/mo with tax, of which $69.84 is tax |
| $4,999 | $653.24/mo before tax | $720.20/mo with tax, of which $66.96 is tax |
| $5,999 | $625.17/mo before tax | $689.24/mo with tax, of which $64.08 is tax |
Every amount due at signing in the table already includes the first payment, the tax collected upfront and the fees: the $695 acquisition fee, the $85 doc fee and the $755.05 DMV registration.
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, and lock this price for a refundable $195 service fee at https://hunter.lease/deal/2027-cadillac-optiq-luxury-4dr-108798-cl.