2026 GMC Sierra 1500 AT4X

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

Ad $957$1,512/mo all-in estimate

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$957

  1. Transfer fee (about)+ $16
  2. Tax (about)+ $58
  3. Extra miles+ $0
  4. Insurance (about)+ $178
  5. Gas (about)+ $303

Real Lease Cost™ (everything you pay), each month$1,512

Sources and read dates
  • The listed payment the SwapALease listing, read Nov 4.
  • Transfer fee (about) the SwapALease listing, read Nov 4. 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 4. 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.
  • Gas (about) U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.

about = our guess

See the math

How each part is worked out:

Gas Runs on gas only.

This adds payment, tax, miles, insurance and gas 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 2029 (32 months left)

Your miles or state are different?

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Listed in CA Take-over SwapALease Gas Truck Only one site lists this. Not confirmed.

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

2026 GMC Sierra 1500 (photo for reference, not the listed car)
Photo of this model from another year, not this exact car. Credit: Elise240SX, CC BY-SA 4.0, via Wikimedia Commons

Read from SwapALease on Nov 4, 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 32 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 41,800, 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

Costs more than most similar cars

At 12,000 miles a year and U.S. average costs, 17 of the other 148 similar trucks we price today cost more than this one.

vs 148 truck 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 11 of every 100 similar trucks we price today cost more than this one. Pool: the live ranked truck 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 4, 2026.

The cheapest live car in the table is the 2026 Toyota Tundra with a Real Lease Cost of $500 a month. This car is $1,012 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 GMC Sierra 1500 AT4X
Monthly payment in the ad$957 plus tax
Months on the lease32
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$972
Tax, each month$59
Monthly cost after tax$1,031
Lease cost over all the months, before tax$31,118
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 allows15,675
Extra miles to reach your 12,000 a yearThe lease covers your miles, so extra miles cost nothing.
Insurance, our estimate$178 a month for the U.S. average (range $142 to $214). 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
Gas, our estimate$303 a month (about 17 mpg, middle of the EPA figures for the 2026 Sierra 1500; EIA U.S. average premium, week of Nov 2)
Real Lease Cost, each month$1,512
Real Lease Cost, over all the months, our estimate$48,384
Listing statuslive
Source readNov 4, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsLease ends about Jul 2029 (32 months left)
MSRPnot in the listing
Cap reductionnot stated
Effective monthly, before tax$972
Effective monthly, after tax$1,031

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Ad $726$617/mo all-inestimate

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

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Why this price?

Electric

Ad$726

Real$617

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

$109 less than the ad, after the seller’s cash

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The seller says they will pay you $7,000, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 15 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $70/mo: A typical figure for electric cars, not this car’s rating at U.S. average home rates.

Assumes you charge at home.

Lease ends Jan 2028 (15 months left)

15 months left, about $9,300 in all. Transfer fee about $500. Seller pays you $7,000.

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

The listed payment is $726 a month. The seller says they will pay you $7,000 to take it over, about $467 a month, which brings the real cost down to $617 a month with everything added.

The listed payment$726

  1. Cash the seller says they will pay you, each month- $467
  2. Transfer fee about $500 (the listing does not say), spread over 15 months+ $33
  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.)+ $45
  4. Miles: you drive 12,000 a year, the lease covers about 11,081 a year (from the miles left and months left)+ $19
  5. Insurance (about) for the U.S. average (range $153 to $229). Type yours.+ $191
  6. Electric: charging at home (about)+ $70

Real Lease Cost, each month$617

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

Photo of this model, not this exact car. Photo: Deathpallie325, CC BY-SA 4.0

2024 GMC Hummer, a photo of this model, not the listed car

2024 GMC Hummer EV 2X

Ad $799$832/mo all-inestimate

Take-over, seller cash $3,446

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

See this deal: 2024 GMC Hummer

Why this price?

ElectricAbout even with similar cars

Ad$799

Real$832

+$33 we added. Most of it is our estimate.

Why +$33? insurance $190, charging $121, fees $56, tax $49, minus cash the seller pays you $383

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The seller says they will pay you $3,446, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 9 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $121/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends Aug 2027 (9 months left)

9 months left, about $7,500 in all. Transfer fee about $500. Seller pays you $3,446.

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

The listed payment is $799 a month. The seller says they will pay you $3,446 to take it over, about $383 a month. With everything added, the real cost is $832 a month.

The listed payment$799

  1. Cash the seller says they will pay you, each month- $383
  2. Transfer fee about $500 (the listing does not say), spread over 9 months+ $56
  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 26,680 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)+ $121

Real Lease Cost, each month$832

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

Photo of this model, not this exact car. Photo: MercurySable99, CC BY-SA 4.0

2026 GMC Sierra 1500, a photo of this model, not the listed car

2026 GMC Sierra 1500

Ad $399$951/mo all-inestimate

New lease

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

See this deal: 2026 GMC Sierra 1500

Why this price?

GasAbout even with similar cars

Ad$399

Real$951

+$552 we added. Most of it is our estimate.

Why +$552? gas $244, insurance $178, typical money due at signing $87, tax $24, extra miles $19

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

Not in the ad: typical $3,116 due at signing used (in the monthly). Ask before you sign.

Gas $244/mo: about 17 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

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

The listed payment is $399 a month. With everything added, it is $951 a month. The biggest piece is our gas estimate, $244 a month.

The listed payment$399

  1. Money due at signing: the ad does not say. We added $87 a month, the typical amount (median of 116 ads that state it in the same price band, read Nov 3 to Nov 5).+ $87
  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.)+ $24
  3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
  4. Insurance (about) for the U.S. average (range $142 to $214). Type yours.+ $178
  5. Gas (about)+ $244

Real Lease Cost, each month$951

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.

Photo of this model from another year, not this exact car. Photo: Elise240SX, CC BY-SA 4.0

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

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Why this price?

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Ad$890

Real$1,412

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Why +$522? gas $198, insurance $175, typical money due at signing $76, tax $54, extra miles $19

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Offer ends Nov 12 (in 7 days)

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

The listed payment is $890 a month. With everything added, it is $1,412 a month. The biggest piece is our gas estimate, $198 a month.

The listed payment$890

  1. Money due at signing: the ad does not say. We added $76 a month, the typical amount (median of 66 ads that state it in the same price band, read Nov 3 to Nov 5).+ $76
  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.)+ $54
  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)+ $198

Real Lease Cost, each month$1,412

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.

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Why this price?

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Offer ends Nov 12 (in 7 days)

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

The listed payment is $795 a month. With everything added, it is $1,413 a month. The biggest piece is insurance, $220 a month (our estimate for the U.S. average, $180 to $260; type yours).

The listed payment$795

  1. Money due at signing: the ad does not say. We added $114 a month, the typical amount (median of 66 ads that state it in the same price band, read Nov 3 to Nov 5).+ $114
  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.)+ $48
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $180 to $260). Type yours.+ $220
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Real Lease Cost, each month$1,413

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

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

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Why this price?

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Real$1,413

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

Not in the ad: typical $2,736 due at signing used (in the monthly). Ask before you sign.

Gas $172/mo: about 30 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

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

The listed payment is $859 a month. With everything added, it is $1,413 a month. The biggest piece is insurance, $235 a month (our estimate for the U.S. average, $190 to $280; type yours).

The listed payment$859

  1. Money due at signing: the ad does not say. We added $76 a month, the typical amount (median of 66 ads that state it in the same price band, read Nov 3 to Nov 5).+ $76
  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.)+ $52
  3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
  4. Insurance (about) for the U.S. average (range $190 to $280). Type yours.+ $235
  5. Gas (about)+ $172

Real Lease Cost, each month$1,413

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.

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