2025 Lincoln Navigator Reserve

You take over someone’s lease. You pay their last 35 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $171/mo: about 25 mpg (EPA), U.S. average price

Lease ends Sep 2029 (35 months left)

35 months left, about $38,600 in all. Transfer fee about $500.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $695 a month. With everything added, it is $1,104 a month. The biggest piece is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).

The listed payment$695

1. Transfer fee about $500 (the listing does not say), spread over 35 months+ $14
2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $42
3. Miles: you drive 12,000 a year, the lease covers about 12,895 a year (from the miles left and months left)+ $0
4. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
5. Gas (about)+ $171

Real Lease Cost, each month$1,104

LeaseTrader, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

The seller says they will pay you $818, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 13 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $178/mo: 24 mpg (EPA), U.S. average price

Lease ends Nov 2027 (13 months left)

13 months left, about $15,300 in all. Transfer fee about $500. Seller pays you $818.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $794 a month. The seller says they will pay you $818 to take it over, about $63 a month. With everything added, the real cost is $1,178 a month.

The listed payment$794

1. Cash the seller says they will pay you, each month- $63
2. Transfer fee about $500 (the listing does not say), spread over 13 months+ $38
3. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $49
4. Miles: you drive 12,000 a year, the lease covers about 23,791 a year (from the miles left and months left)+ $0
5. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
6. Gas (about)+ $178

Real Lease Cost, each month$1,178

LeaseTrader, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $2,653 due at signing used (in the monthly). Ask before you sign.

Gas $203/mo: about 21 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $849 a month. With everything added, it is $1,371 a month. The biggest piece is our gas estimate, $203 a month.

The listed payment$849

1. Money due at signing: the ad does not say. We added $74 a month, the typical amount (median of 26 ads that state it in the same price band, read Nov 2 to Nov 3).+ $74
2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $51
3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
4. Insurance (about) for the U.S. average (range $126 to $224). Type yours.+ $175
5. Gas (about)+ $203

Real Lease Cost, each month$1,371

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

SwapALease, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

A new lease from the dealer. You sign for 24 months.

$2,369 due at signing, besides the first payment (in the monthly).

Gas $330/mo: about 16 mpg (EPA), U.S. average price

Offer ends Nov 9 (in 6 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $1,131 a month. With everything added, it is $1,849 a month. The biggest piece is our gas estimate, $330 a month.

The listed payment$1,131

1. Fees due when you sign ($2,369), spread over 24 months+ $99
2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $69
3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
4. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
5. Gas (about)+ $330

Real Lease Cost, each month$1,849

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Leasehackr Marketplace (broker offers), read Nov 2. Insurance and gas are estimates, not quotes. about = our guess.

The seller says they will pay you $2,100, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 16 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $220/mo: 24 mpg (EPA), U.S. average price

Lease ends Feb 2028 (16 months left)

16 months left, about $29,600 in all. Transfer fee about $500. Seller pays you $2,100.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $1,360 a month. The seller says they will pay you $2,100 to take it over, about $131 a month. With everything added, the real cost is $1,850 a month.

The listed payment$1,360

1. Cash the seller says they will pay you, each month- $131
2. Transfer fee about $500 (the listing does not say), spread over 16 months+ $31
3. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $83
4. Miles: you drive 12,000 a year, the lease covers about 10,208 a year (from the miles left and months left)+ $37
5. Insurance (about) for the U.S. average (range $200 to $300). Type yours.+ $250
6. Gas (about)+ $220

Real Lease Cost, each month$1,850

LeaseTrader, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

A new lease from the dealer. You sign for 39 months.

Not in the ad: typical $2,895 due at signing used (in the monthly). Ask before you sign.

Gas $211/mo: about 25 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $1,208 a month. With everything added, it is $1,855 a month. The biggest piece is insurance, $250 a month (our estimate for the U.S. average, $200 to $300; type yours).

The listed payment$1,208

1. Money due at signing: the ad does not say. We added $74 a month, the typical amount (median of 259 ads that state it, read Nov 2 to Nov 3).+ $74
2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $74
3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
4. Insurance (about) for the U.S. average (range $200 to $300). Type yours.+ $250
5. Gas (about)+ $211

Real Lease Cost, each month$1,855

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Leasehackr Marketplace (broker offers), read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.