Real Lease Cost

2026 Cadillac Vistiq Premium Luxury

A take-over means you take over someone else’s lease. The leasing company must approve you, and may charge a fee.

Ad $1,351$1,718/mo all-in estimate

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$1,351

  1. Transfer fee (about)+ $25
  2. Tax (about)+ $82
  3. Extra miles+ $0
  4. Insurance (about)+ $190
  5. Charging (about)+ $70

Real Lease Cost™ (everything you pay), each month$1,718

Sources and read dates
  • The listed payment the SwapALease listing, read Nov 3.
  • Transfer fee (about) the SwapALease listing, read Nov 3. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
  • Tax (about) State revenue department pages, 50 of 51 states sourced. Read Oct 30.
  • Extra miles the SwapALease listing, read Nov 3. Where the ad gives no per-mile rate, we use $0.25 a mile.
  • Insurance (about) AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.
  • Charging (about) U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Nov 3.

about = our guess

See the math

How each part is worked out:

Electric Runs on electricity only. You plug it in.

This adds payment, tax, miles, insurance and charging at 12,000 miles a year at U.S. average prices. The receipt adds every cost.

An estimate, not a quote. The payment, fees and tax come from the listing and the state’s rules; insurance and gas or charging are our estimates. Your dealer, insurer and driving set the real figures. How we estimate

Lease ends about Jul 2028 (20 months left)

Your miles or state are different?

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Answer the three questions on the home page

Listed in WI Take-over SwapALease Electric SUV Only one site lists this. Not confirmed.

Only one site lists this, so check it before you pay.

2026 Cadillac Vistiq (photo for reference, not the listed car)
Photo of this model, not this exact car. Credit: Mr.choppers, CC BY-SA 4.0, via Wikimedia Commons

Read from SwapALease on Nov 3, 2026. Tax status not recorded, so tax is added here (tax assumed).

Confirm every number with the seller or the leasing company before you commit. The Real Lease Cost leaves out registration, wear and tear, and excess miles beyond your target. See how we score.

Listing facts belong to the source. If this row should be corrected or removed, write to takedown@realleasecost.com.

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What a take-over means

You take over someone’s lease. You pay their last 20 months. The months and the miles are theirs, not new ones.

The leasing company must approve you.

  • Model year: 2026.
  • Miles left on the lease: about 31,100, as the listing states them.
  • Transfer fee: about $500 (the listing does not say). Ask the leasing company (the bank that owns the car), not the seller.

Real Lease Check™

How this price compares

About even with similar cars

At 12,000 miles a year and U.S. average costs, 123 of the other 446 similar luxury SUVs we price today cost more than this one.

vs 446 luxury SUV deals today, at 12,000 miles and U.S. average costs

This check looks at price only. It cannot say whether the car fits you.

The math behind this

About 28 of every 100 similar luxury SUVs we price today cost more than this one. Pool: the live ranked luxury SUV deals we read, luxury makes with luxury makes only, each priced at the same miles and costs. A car that is not confirmed counts at its worse number.

Facts stated by the source on Nov 3, 2026.

The cheapest live car outside this brand is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $1,187 a month more than that.

The full math, line by line

This table is priced at 12,000 miles a year and U.S. average prices.

The math for 2026 Cadillac Vistiq Premium Luxury
Monthly payment in the ad$1,351 plus tax
Months on the lease20
Sticker pricenot in the listing
Tax rate used6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out$1,376
Tax, each month$82
Monthly cost after tax$1,458
Lease cost over all the months, before tax$27,516
Transfer fee, our estimate$500 spread over the months. The source did not state one; confirm with the leasing company.
Cash the seller says they will pay you$0
Money you pay up frontnot stated by the source, counted as $0 until you confirm
Miles a year the lease allows18,668
Extra miles to reach your 12,000 a yearThe lease covers your miles, so extra miles cost nothing.
Insurance, our estimate$190 a month for the U.S. average (range $152 to $228). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read Oct 31, 2026. Full coverage, a typical driver with a clean record. Source and date
Electricity, our estimate$70 a month (EPA combined 2.6 mi/kWh, 2026 Vistiq Premium Luxury; EIA U.S. home electricity, August 2026) kWh: a unit of electricity, like a gallon for gas.
Real Lease Cost, each month$1,718
Real Lease Cost, over all the months, our estimate$34,360
Listing statuslive
Source readNov 3, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsLease ends about Jul 2028 (20 months left)
MSRPnot in the listing
Cap reductionnot stated
Effective monthly, before tax$1,376
Effective monthly, after tax$1,458

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More deals like this (6 cars)

More Cadillac deals

2025 Cadillac LYRIQ, a photo of this model, not the listed car

2025 Cadillac LYRIQ Luxury

Ad $1,032$594/mo all-inestimate

Take-over, seller cash $10,400

Only one site lists this. Check it before you pay.

See this deal: 2025 Cadillac LYRIQ

Why this price?

Electric

Ad$1,032

Real$594

Grey is the ad. Violet is what we add. Gold stripes are our estimates. Dashed: cash the seller pays you.

$438 less than the ad, after the seller’s cash

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Cheapest of 4 LYRIQ offers nationwide

The seller says they will pay you $10,400, 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.

Charging $70/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends Dec 2027 (13 months left)

13 months left, about $7,700 in all. Transfer fee about $500. Seller pays you $10,400.

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

The listed payment is $1,032 a month. The seller says they will pay you $10,400 to take it over, about $800 a month, which brings the real cost down to $594 a month with everything added.

The listed payment$1,032

  1. Cash the seller says they will pay you, each month- $800
  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.)+ $64
  4. Miles: you drive 12,000 a year, the lease covers about 25,477 a year (from the miles left and months left)+ $0
  5. Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
  6. Electric: charging at home (about)+ $70

Real Lease Cost, each month$594

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

Photo of this model, not this exact car. Photo: Matti Blume, CC BY-SA 4.0

2026 Cadillac OPTIQ

2026 Cadillac OPTIQ

Ad $359$723/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2026 Cadillac OPTIQ

Why this price?

Electric

Ad$359

Real$723

+$364 we added. Most of it is our estimate.

Why +$364? insurance $172, typical money due at signing $88, charging $63, tax $22, extra miles $19

More

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

Not in the ad: typical $3,156 due at signing used (in the monthly). Ask before you sign.

Charging $63/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Offer ends Nov 10 (in 7 days)

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

The listed payment is $359 a month. With everything added, it is $723 a month. The biggest piece is insurance, $172 a month (our estimate for the U.S. average, $138 to $206; type yours).

The listed payment$359

  1. Money due at signing: the ad does not say. We added $88 a month, the typical amount (median of 94 ads that state it in the same price band, read Nov 2 to Nov 3).+ $88
  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.)+ $22
  3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
  4. Insurance (about) for the U.S. average (range $138 to $206). Type yours.+ $172
  5. Electric: charging at home (about)+ $63

Real Lease Cost, each month$723

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 charging are estimates, not quotes. about = our guess.

A drawing of this kind of car, not a photo of it.

2027 Cadillac Optiq

2027 Cadillac Optiq

Ad $353$778/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2027 Cadillac Optiq

Why this price?

Electric

Ad$353

Real$778

+$425 we added. Most of it is our estimate.

Why +$425? insurance $190, typical money due at signing $132, charging $63, tax $21, extra miles $19

More
Cheapest of 3 Optiq offers nationwide

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

Not in the ad: typical $3,156 due at signing used (in the monthly). Ask before you sign.

Charging $63/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Offer ends Nov 10 (in 7 days)

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

The listed payment is $353 a month. With everything added, it is $778 a month. The biggest piece is insurance, $190 a month (our estimate for the U.S. average, $152 to $228; type yours).

The listed payment$353

  1. Money due at signing: the ad does not say. We added $132 a month, the typical amount (median of 94 ads that state it in the same price band, read Nov 2 to Nov 3).+ $132
  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 10,000+ $19
  4. Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
  5. Electric: charging at home (about)+ $63

Real Lease Cost, each month$778

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 3. Insurance and charging are estimates, not quotes. about = our guess.

A drawing of this kind of car, not a photo of it.

Other cars near $1,718 a month

2023 Chevrolet Silverado, a photo of this model, not the listed car

2023 Chevrolet Silverado 1500 LT Crew Cab

Ad $714$1,620/mo all-inestimate

Take-overNot confirmed

We could not confirm this deal’s numbers, so we rank it on the higher cost.

See this deal: 2023 Chevrolet Silverado

Why this price?

GasRanked on the higher figure

Ad$714

Real$1,620

+$906 we added. Most of it is our estimate.

Why +$906? gas $267, extra miles $250, insurance $178, fees $167, tax $44

More

You take over someone’s lease. You pay their last 3 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $267/mo: about 16 mpg (EPA), U.S. average price

Lease ends Feb 2027 (3 months left)

3 months left, about $4,900 in all. Transfer fee about $500.

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

The listed payment is $714 a month. With everything added, it is $1,620 a month. The biggest piece is our gas estimate, $267 a month.

The listed payment$714

  1. Transfer fee about $500 (the listing does not say), spread over 3 months+ $167
  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.)+ $44
  3. Miles: the ad does not say how many, so all 12,000 are priced as extra+ $250
  4. Insurance (about) for the U.S. average (range $142 to $214). Type yours.+ $178
  5. Gas (about)+ $267

Real Lease Cost, each month$1,620

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

Photo of this model from another year, not this exact car. Photo: DestinationFearFan, CC BY-SA 4.0

2026 Mercedes-Benz GLE Class Coupe

2026 Mercedes-Benz GLE Class Coupe

Ad $969$1,622/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2026 Mercedes-Benz GLE Class Coupe

Why this price?

Gas

Ad$969

Real$1,622

+$653 we added. Most of it is our estimate.

Why +$653? gas $251, insurance $250, typical money due at signing $74, tax $59, extra miles $19

More
2nd cheapest of 5 GLE Class Coupe offers nationwide

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 $251/mo: 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 $969 a month. With everything added, it is $1,622 a month. The biggest piece is our gas estimate, $251 a month.

The listed payment$969

  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.)+ $59
  3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
  4. Insurance (about) for the U.S. average (range $200 to $300). Type yours.+ $250
  5. Gas (about)+ $251

Real Lease Cost, each month$1,622

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 drawing of this kind of car, not a photo of it.

2026 Porsche Taycan, a photo of this model, not the listed car

2026 Porsche Taycan

Ad $1,149$1,623/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2026 Porsche Taycan

Why this price?

Electric

Ad$1,149

Real$1,623

+$474 we added. Most of it is our estimate.

Why +$474? insurance $175, typical money due at signing $121, tax $70, charging $70, extra miles $38

More
3rd cheapest of 3 Taycan offers nationwide

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

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

Charging $70/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Offer ends Nov 10 (in 7 days)

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

The listed payment is $1,149 a month. With everything added, it is $1,623 a month.

The listed payment$1,149

  1. Money due at signing: the ad does not say. We added $121 a month, the typical amount (median of 259 ads that state it, read Nov 2 to Nov 3).+ $121
  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.)+ $70
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $126 to $224). Type yours.+ $175
  5. Electric: charging at home (about)+ $70

Real Lease Cost, each month$1,623

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

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

Photo of this model from another year, not this exact car. Photo: Alexander Migl, CC BY-SA 4.0