Lowest real lease and finance rates in California
Our lenders' bank programs on 6765 in-stock vehicles at our Southern California partner dealers. Updated September 6, 2026. Right now 89 of them qualify for 0% APR financing. This is not "the whole market": only programs we actually close deals on, and only cars physically in stock.
0%89 cars with 0% APR financing in stock right nowKia Niro EV, Hyundai IONIQ 9, Subaru Trailseeker, Mazda CX-90 Plug-In Hybrid
Finance: 0% APR and the lowest rates
Finance payments below assume $5,000 down over 72 months; set your own down payment in the calculator and the number reprices to the cent.
from $473/mo · 72 mo 2026 Kia Niro EV Wave FWD 0% APR
from $556/mo · 72 mo 2026 Hyundai IONIQ 9 SEL AWD 0% APR
from $911/mo · 72 mo 2026 Subaru Trailseeker Limited AWD 0% APR
from $641/mo · 72 mo 2026 Subaru Trailseeker Premium AWD 0% APR
from $559/mo · 72 mo 2026 Mazda CX-90 Plug-In Hybrid Premium Sport AWD 0% APR
from $829/mo · 72 mo 2026 Mazda CX-90 Plug-In Hybrid Preferred AWD 0% APR
from $708/mo · 72 mo 2026 Mazda CX-90 Plug-In Hybrid Premium Plus AWD 0% APR
from $883/mo · 72 mo 2026 Subaru Trailseeker Touring AWD 0% APR
from $680/mo · 72 mo 2026 Hyundai IONIQ 5 SEL RWD 0.90% APR
from $563/mo · 72 mo 2026 Hyundai IONIQ 5 Limited AWD 0.90% APR
from $691/mo · 72 mo 2026 Kia EV9 Light Long Range RWD 0.90% APR
from $764/mo · 72 mo 2026 Kia EV9 GT-Line AWD 0.90% APR
from $985/mo · 72 mo 2026 Kia EV9 Wind AWD 0.90% APR
from $861/mo · 72 mo 2026 Kia EV9 Land AWD 0.90% APR
from $938/mo · 72 mo 2026 Hyundai IONIQ 5 Limited RWD 0.90% APR
from $632/mo · 72 mo 2026 Hyundai IONIQ 5 XRT AWD 0.90% APR
from $666/mo · 72 mo 2026 Mazda CX-90 Hybrid Premium Sport 3.3 Turbo 0.90% APR
from $721/mo · 72 mo 2026 Mazda CX-70 Hybrid 3.3 Turbo Premium AWD 0.90% APR
from $711/mo · 72 mo 2026 Mazda CX-90 Hybrid Preferred 3.3 Turbo 0.90% APR
from $650/mo · 72 mo
Lease: top 20 by money factor
Lease payments below are computed at 7,500 miles a year and $3,000 down, the frame the whole market advertises in; it is the smallest number, not advice. Most California drivers need 10,000 to 12,000 miles; open any car, set your mileage and your down, and it reprices to the cent.
from $369/mo · 39 mo 2026 Mazda CX-90 Plug-In Hybrid Preferred AWD MF 0.00001 (~0.02%)
from $519/mo · 36 mo 2026 Mazda CX-90 Plug-In Hybrid Premium Plus AWD MF 0.00001 (~0.02%)
from $767/mo · 36 mo 2026 Mazda CX-90 Plug-In Hybrid Premium Sport AWD MF 0.00002 (~0.05%)
from $716/mo · 36 mo 2026 Mazda CX-50 Hybrid Premium Plus AWD MF 0.00003 (~0.07%)
from $529/mo · 36 mo 2026 Hyundai Tucson XRT FWD MF 0.00004 (~0.10%)
from $382/mo · 36 mo 2026 Subaru Outback Premium AWD MF 0.00005 (~0.12%)
from $351/mo · 42 mo 2026 Subaru Outback Limited AWD MF 0.00005 (~0.12%)
from $529/mo · 42 mo 2026 Subaru Ascent Premium 7-Passenger MF 0.00005 (~0.12%)
from $482/mo · 39 mo 2026 Subaru Trailseeker Premium AWD MF 0.00006 (~0.14%)
from $563/mo · 36 mo 2026 Mercedes-Benz SL AMG SL 63 S E Performance Roadster MF 0.00008 (~0.19%)
from $3474/mo · 48 mo 2026 Mercedes-Benz S-Class AMG S 63 E 4MATIC Sedan MF 0.00008 (~0.19%)
from $3087/mo · 48 mo 2026 Mercedes-Benz GLA GLA 250 SUV MF 0.00010 (~0.24%)
from $583/mo · 24 mo 2026 Nissan Murano SL AWD MF 0.00012 (~0.29%)
from $539/mo · 36 mo 2026 Nissan Murano SV AWD MF 0.00012 (~0.29%)
from $456/mo · 36 mo 2026 Nissan Murano Platinum AWD MF 0.00012 (~0.29%)
from $576/mo · 36 mo 2027 Hyundai IONIQ 5 Limited RWD MF 0.00013 (~0.31%)
from $451/mo · 24 mo 2026 Hyundai Santa Fe XRT AWD MF 0.00013 (~0.31%)
from $626/mo · 24 mo 2026 Genesis GV80 3.5T Advanced AWD MF 0.00013 (~0.31%)
from $1035/mo · 24 mo 2026 Genesis GV80 Advanced 2.5T AWD MF 0.00013 (~0.31%)
from $917/mo · 24 mo
Method: each trim shows the best (lowest) rate among its in-stock cars. Money factor × 2400 approximates the annual percentage rate. Payments use the card scenario (7.5k mi/yr, $3,000 down lease / $5,000 finance, ZIP 90210 tax) and match our calculator to the penny. Bank programs update monthly, and inventory refreshes nightly.
Browse the full catalogFrequently asked questions
Are these 0% APR deals real?
Yes. Right now 89 in-stock cars (mostly Kia Niro EV, Hyundai IONIQ 9, Subaru Trailseeker, Mazda CX-90 Plug-In Hybrid) qualify for 0% APR financing from our lenders' current programs. Every rate is tied to a real VIN on a partner dealer's lot and matches our calculator to the penny.
What is a money factor?
The money factor is the lease equivalent of an interest rate. Multiply it by 2400 to get the approximate APR. A lower money factor means a cheaper lease.
How often do these rates change?
Bank programs update monthly and our inventory refreshes nightly, so this page reflects September 2026's live programs on cars physically in stock.
Is this the whole market?
No. These are only the programs we actually close deals on, on cars physically in stock at our Southern California partner dealers. We never quote a rate on a car we cannot deliver.
How do I lock one of these rates?
Open any car above to see the full breakdown in the calculator, then reserve it with a $95 service fee. While the paperwork goes through we run the deal and check the contract before you sign, and the fee is refunded in full on request any time before you sign at the dealer.
Explore next
Full catalog · Payment calculator · IONIQ 5 lease · Payments under $400/mo · Hyundai lease rates · This month's best deals
Who runs these numbers
Hunter Lease is a licensed California auto broker (license #21138, verifiable with the California DMV): an automated, transparent lease and finance marketplace for new Hyundai, Kia, Nissan, Chevrolet, Volkswagen, Mazda, Subaru, Genesis, Honda, Toyota, BMW, Mercedes-Benz, Audi, Lexus, Acura, INFINITI, GMC, Cadillac and Jeep vehicles across California, in English and Russian.
Every figure on this page is computed from live bank programs on cars physically in stock at our partner dealers, by the same engine that powers our public calculator, and matches it to the penny. Pages like this recompute from the live catalog with a minutes-long cache: the data here is current, not archived.
Prices are pre-negotiated and locked: the money factor, APR and every fee are in the open, each deal carries a VIN and a Hunter Score (an open-methodology 0-100 deal grade), and the number on the screen equals the number at signing. An SSN is required for the credit application; approval is always the bank's decision.