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A payment under $300 is real in California right now, mostly on efficient compacts. The catch with most sub-$300 ads is the fine print under the number. Here every deal shows the drive-off and the money factor next to the payment, so the price is the whole story.
Updated July 2026
Every trim with its payment, due at signing, term, and Hunter Score already set. Start with a soft credit check, no hit to your score.
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Three things make a payment small: a car whose residual value holds well, a subvented money factor from the bank, and the drive-off amount you choose. The first two belong to the car and the month's program. The third is your lever, and it is also where advertised teasers hide: a $249 banner with thousands due at signing is not a $249 lease.
That is why every deal here shows the payment and the drive-off together, and why you can reprice any car at a different down amount, including zero, before committing. If the number only works with money you were not planning to part with, you will see it on the screen, not at a signing table.
In practice the sub-$300 shelf is mostly efficient compacts: the Elantra in several trims, the Kona, sometimes a Venue or a Sonata on a strong program month. The exact lineup shifts as bank programs change, which is the honest reason we do not print a static list here: the live catalog is the list, and a model with no real program under $300 simply does not appear in the filter.
A soft credit pull comes first and does not touch your score. An SSN is required, thin or new US credit is workable, and the payment tier the bank approves depends on your profile, so treat the filter as the market's current floor rather than a personal quote.
Yes, mostly on efficient compacts like the Elantra and Kona, depending on the month's bank programs. The filter shows only deals whose real program prices under $300, with the drive-off visible next to the payment.
Usually not. Money down just moves cost from the monthly to day one. Every deal here shows both numbers together, and you can reprice at zero down to see the honest full-freight monthly before deciding.
Because the bank programs behind the payments change, typically monthly. When a subvented rate ends, a car can leave the under-$300 shelf overnight. The filter reads the live programs, so what you see is what exists today.
The payment depends on the credit tier the bank assigns you. A free soft pull comes first and shows your real rate without touching your score. An SSN is required, and approval is always the bank's decision.