$1,457 a month all-in (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The ad says $987. The receipt adds every step between the two.
Listed in NY New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themSwapALeasegas SUV Seen in one place only
One public site lists this deal. No second site confirms it.
Photo of this model from another year, not this exact car. Credit: RL GNZLZ from Chile, CC BY-SA 2.0, via Wikimedia Commons
Read from SwapALease on 2026-10-30.
Confirm every number with the seller or the leasing company before you commit. The all-in figure 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.
The receipt
The ad saysSource: The listing itself, from 12 public sites. Newest read Oct 30.$987
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)Source: State revenue department pages, 33 of 51 states sourced. Read Oct 30.+ $59
Miles: you drive 12,000 a year, the lease covers 7,500You drive 4,500 miles a year more than the lease allows. We price buying them up front: 2 steps of 2,500 miles at $19 a month each (our estimate). That is $38 a month.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 30.+ $38
Insurance, our estimate for the U.S. average: $215 (range $155 to $275). Your own quote may differ. Type yours.We use the middle of the range. Full coverage, a typical driver with a clean record.Source: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.+ $215
Gas, our estimate27 mpg at $4.269/gal; EIA U.S. average, week of 2026-10-26 (read 2026-10-30)Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $158
The cheapest live car in the table is the 2026 Toyota Corolla at $527 all-in. This car is $930 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 Toyota RAV4
Monthly payment in the ad
$987 plus tax
Months on the lease
24
Sticker price
$89,950 (as stated by the source)
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$987
Tax, each month
$59
Monthly cost after tax
$1,046
Lease cost over all the months, before tax
$23,688
Transfer fee
none stated by the source
Cash the seller says they will pay you
$0
Money you pay up front
not stated by the source, counted as $0 until you confirm
Miles a year the lease allows
7,500
Extra miles to reach your 12,000 a year
You drive 4,500 miles a year more than the lease allows. We price buying them up front: 2 steps of 2,500 miles at $19 a month each (our estimate). That is $38 a month. If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Insurance, our estimate
$215 a month for the U.S. average (range $155 to $275). We use the middle of the range. Source: our class estimate, fitted to The Zebra's model quotes, read 2026-10-19. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate
$158 a month (27 mpg at $4.269/gal, EIA U.S. average, week of 2026-10-26 (read 2026-10-30))
All in, each month
$1,457
All in, over all the months, our estimate
$34,968
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
When it ends
Offer ends Nov 6 (in 7 days)
MSRP
$89,950
Cap reduction
not stated
Effective monthly, before tax
$987
Effective monthly, after tax
$1,046
Effective as a share of MSRP, monthly
1.16%
Leasehackr score, estimate
7.2
All-in cost as a share of MSRP
38.9%
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More deals like this (6 cars)
More Toyota deals
Photo of this model from another year, not this exact car.
2026 Toyota Corolla LE
$527a month, everything in
Take-over
You take over someone’s lease. You pay their last 31 months.
Needs the leasing company’s approval.
Lease ends May 2029 (31 months left)
31 months left, about $16,300 in all. Transfer fee $500 (assumed). Seller pays you $2,500.
The ad says $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 ad says$227
Cash the seller says they will pay you, each month- $81
Transfer fee we assumed ($500), spread over 31 months+ $16
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $14
Miles: you drive 12,000 a year, the lease covers 8,946+ $64
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $122
All in, each month$527
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $279 a month. With everything added, it is $622 a month. The biggest piece is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).
The ad says$279
Money due when you sign ($1,724), spread over 36 months+ $48
Tax, at the rate the ad states+ $24
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $135 to $205). Type yours.+ $170
Gas, our estimate+ $82
All in, each month$622
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $279 a month. With everything added, it is $657 a month. The biggest piece is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The ad says$279
Money due when you sign ($1,699), spread over 36 months+ $47
Tax, at the rate the ad states+ $25
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $122
All in, each month$657
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $847 a month. With everything added, it is $1,357 a month. The biggest piece is insurance, $245 a month (our estimate for the U.S. average, $177 to $314; type yours).
The ad says$847
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $51
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $177 to $314). Type yours.+ $245
Gas, our estimate+ $195
All in, each month$1,357
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $882 a month. With everything added, it is $1,358 a month. The biggest piece is insurance, $198 a month (our estimate for the U.S. average, $150 to $245; type yours).
The ad says$882
Transfer fee we assumed ($500), spread over 9 months+ $56
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $52
Miles: you drive 12,000 a year, the lease covers 24,347+ $0
Insurance, our estimate for the U.S. average (range $150 to $245). Type yours.+ $198
Gas, our estimate+ $170
All in, each month$1,358
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
Photo: Charles from Port Chester, New York, CC BY 2.0
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