2025 Toyota bz4X XLE

The seller says they will pay you $34,804, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 33 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $208/mo: about 20 mpg (EPA), U.S. average price

Lease ends Jul 2029 (33 months left)

33 months left, about $16,500 in all. Transfer fee about $500. Seller pays you $34,804.

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

The listed payment is $1,088 a month. The seller says they will pay you $34,804 to take it over, about $1,055 a month, which brings the real cost down to $500 a month with everything added.

The listed payment$1,088

1. Cash the seller says they will pay you, each month- $1,055
2. Transfer fee about $500 (the listing does not say), spread over 33 months+ $15
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.)+ $66
4. Miles: you drive 12,000 a year, the lease covers about 16,262 a year (from the miles left and months left)+ $0
5. Insurance (about) for the U.S. average (range $142 to $214). Type yours.+ $178
6. Gas (about)+ $208

Real Lease Cost, each month$500

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

The seller says they will pay you $2,500, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 31 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $122/mo: about 34 mpg (EPA), U.S. average price

Lease ends May 2029 (31 months left)

31 months left, about $16,300 in all. Transfer fee about $500. Seller pays you $2,500.

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

The listed payment is $227 a month. The seller says they will pay you $2,500 to take it over, about $81 a month. With everything added, the real cost is $527 a month. Most of the difference is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).

The listed payment$227

1. Cash the seller says they will pay you, each month- $81
2. Transfer fee about $500 (the listing does not say), spread over 31 months+ $16
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.)+ $14
4. Miles: you drive 12,000 a year, the lease covers about 8,946 a year (from the miles left and months left)+ $64
5. Insurance (about) for the U.S. average (range $130 to $200). Type yours.+ $165
6. Gas (about)+ $122

Real Lease Cost, each month$527

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

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

$3,720 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $99/mo: 42 mpg (EPA), U.S. average price

Offer ends Nov 30

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

The listed payment is $279 a month. With everything added, it is $672 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$279

1. Fees due when you sign ($3,720), spread over 39 months+ $95
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.)+ $17
3. Miles: you drive 12,000 a year, the lease covers 12,000+ $0
4. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
5. Gas (about)+ $99

Real Lease Cost, each month$672

Toyota offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

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

$3,130 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $138/mo: about 30 mpg (EPA), U.S. average price

Offer ends Nov 11 (in 6 days)

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

The listed payment is $309 a month. With everything added, it is $796 a month. The biggest piece is insurance, $181 a month (our estimate for the U.S. average, $145 to $217; type yours).

The listed payment$309

1. Fees due when you sign ($3,130), spread over 24 months+ $130
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.)+ $19
3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
4. Insurance (about) for the U.S. average (range $145 to $217). Type yours.+ $181
5. Gas (about)+ $138

Real Lease Cost, each month$796

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

Chevrolet offers page, read Nov 4. 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 $3,315 due at signing used (in the monthly). Ask before you sign.

Gas $160/mo: about 26 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

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

The listed payment is $333 a month. With everything added, it is $799 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).

The listed payment$333

1. Money due at signing: the ad does not say. We added $92 a month, the typical amount (median of 148 ads that state it in the same price band, read Nov 3 to Nov 5).+ $92
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.)+ $20
3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
4. Insurance (about) for the U.S. average (range $140 to $210). Type yours.+ $175
5. Gas (about)+ $160

Real Lease Cost, each month$799

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

Leasehackr Marketplace (broker offers), read Nov 5. 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 $3,315 due at signing used (in the monthly). Ask before you sign.

Gas $154/mo: about 27 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

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

The listed payment is $339 a month. With everything added, it is $800 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).

The listed payment$339

1. Money due at signing: the ad does not say. We added $92 a month, the typical amount (median of 148 ads that state it in the same price band, read Nov 3 to Nov 5).+ $92
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.)+ $21
3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
4. Insurance (about) for the U.S. average (range $140 to $210). Type yours.+ $175
5. Gas (about)+ $154

Real Lease Cost, each month$800

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 5. Insurance and gas are estimates, not quotes. about = our guess.