2027 Cadillac Vistiq AWD Luxury

Name: 2027 Cadillac Vistiq AWD Luxury
Brand: Cadillac
Price: 1080.55 USD
Availability: InStock

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

Ad $1,081$1,422/mo all-in estimate

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$1,081

Transfer fee (about)+ $15
Tax (about)+ $66
Extra miles+ $0
Insurance (about)+ $190
Charging (about)+ $70

Real Lease Cost™ (everything you pay), each month$1,422

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.
Charging (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:

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 Aug 2029 (33 months left)

Your miles or state are different?

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Answer the three questions on the home page

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

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

2027 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 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.

Report a problem with this deal

What a take-over means

You take over someone’s lease. You pay their last 33 months. The months and the miles are theirs, not new ones.

The leasing company must approve you.

Model year: 2027.
Miles left on the lease: about 34,500, 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, 235 of the other 522 similar luxury SUVs we price today cost more than this one.

vs 522 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 45 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 4, 2026.

The cheapest live car outside this brand is the 2026 Toyota Tundra with a Real Lease Cost of $500 a month. This car is $922 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 2027 Cadillac Vistiq AWD Luxury
Monthly payment in the ad	$1,081 plus tax
Months on the lease	33
Sticker price	not in the listing
Tax rate used	6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out	$1,096
Tax, each month	$66
Monthly cost after tax	$1,162
Lease cost over all the months, before tax	$36,158
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 front	not stated by the source, counted as $0 until you confirm
Miles a year the lease allows	12,559
Extra miles to reach your 12,000 a year	The 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, 2027 Vistiq AWD Luxury; EIA U.S. home electricity, August 2026) kWh: a unit of electricity, like a gallon for gas.
Real Lease Cost, each month	$1,422
Real Lease Cost, over all the months, our estimate	$46,926
Listing status	live
Source read	Nov 4, 2026

For the experts: the exact lease terms

Lease terms for experts
When it ends	Lease ends about Aug 2029 (33 months left)
MSRP	not in the listing
Cap reduction	not stated
Effective monthly, before tax	$1,096
Effective monthly, after tax	$1,162

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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

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

Cash the seller says they will pay you, each month- $800
Transfer fee about $500 (the listing does not say), spread over 13 months+ $38
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
Miles: you drive 12,000 a year, the lease covers about 25,477 a year (from the miles left and months left)+ $0
Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home (about)+ $70

Real Lease Cost, each month$594

LeaseTrader, read Nov 5. 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

Ad $359$727/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$727

+$368 we added. Most of it is our estimate.

Why +$368? insurance $172, typical money due at signing $92, charging $63, tax $22, extra miles $19

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.

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

Assumes you charge at home.

Offer ends Nov 12 (in 7 days)

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

The listed payment is $359 a month. With everything added, it is $727 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

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
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
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance (about) for the U.S. average (range $138 to $206). Type yours.+ $172
Electric: charging at home (about)+ $63

Real Lease Cost, each month$727

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

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

2027 Cadillac Optiq

Ad $353$785/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$785

+$432 we added. Most of it is our estimate.

Why +$432? insurance $190, typical money due at signing $138, charging $63, tax $22, extra miles $19

Cheapest of 3 Optiq offers nationwide

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

Not in the ad: typical $3,315 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 11 (in 6 days)

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

The listed payment is $353 a month. With everything added, it is $785 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

Money due at signing: the ad does not say. We added $138 a month, the typical amount (median of 148 ads that state it in the same price band, read Nov 3 to Nov 5).+ $138
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
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home (about)+ $63

Real Lease Cost, each month$785

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

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

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2025 BMW 430, a photo of this model, not the listed car

2025 BMW 430 i xDrive Convertible

Ad $856$1,322/mo all-inestimate

Take-over, seller cash $739

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

See this deal: 2025 BMW 430

Why this price?

Gas

Ad$856

Real$1,322

+$466 we added. Most of it is our estimate.

Why +$466? insurance $218, gas $184, tax $51, fees $28, extra miles $26, minus cash the seller pays you $41

2nd cheapest of 2 BMW 430 offers nationwide

The seller says they will pay you $739, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 18 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $184/mo: about 28 mpg (EPA), U.S. average price

Lease ends May 2028 (18 months left)

18 months left, about $23,800 in all. Transfer fee about $500. Seller pays you $739.

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

The listed payment is $856 a month. The seller says they will pay you $739 to take it over, about $41 a month. With everything added, the real cost is $1,322 a month. The biggest piece is insurance, $218 a month (our estimate for the U.S. average, $175 to $260; type yours).

The listed payment$856

Cash the seller says they will pay you, each month- $41
Transfer fee about $500 (the listing does not say), spread over 18 months+ $28
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
Miles: you drive 12,000 a year, the lease covers about 10,761 a year (from the miles left and months left)+ $26
Insurance (about) for the U.S. average (range $175 to $260). Type yours.+ $218
Gas (about)+ $184

Real Lease Cost, each month$1,322

LeaseTrader, 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: Dinkun Chen, CC BY-SA 4.0

2027 BMW 530i

Ad $784$1,322/mo all-inestimate

New lease

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

See this deal: 2027 BMW 530i

Why this price?

GasAbout even with similar cars

Ad$784

Real$1,322

+$538 we added. Most of it is our estimate.

Why +$538? insurance $235, gas $166, typical money due at signing $70, tax $48, extra miles $19

5th cheapest of 7 BMW 530i offers nationwide

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

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

Gas $166/mo: about 31 mpg (EPA), U.S. average price

Offer ends Nov 11 (in 6 days)

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

The listed payment is $784 a month. With everything added, it is $1,322 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$784

Money due at signing: the ad does not say. We added $70 a month, the typical amount (median of 66 ads that state it in the same price band, read Nov 3 to Nov 5).+ $70
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
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance (about) for the U.S. average (range $190 to $280). Type yours.+ $235
Gas (about)+ $166

Real Lease Cost, each month$1,322

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

Photo of this model from another year, not this exact car. Photo: Charles from Port Chester, New York, CC BY 2.0

2026 Lexus TX

Ad $719$1,323/mo all-inestimate

New lease

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

See this deal: 2026 Lexus TX

Why this price?

GasAbout even with similar cars

Ad$719

Real$1,323

+$604 we added. Most of it is our estimate.

Why +$604? gas $224, insurance $182, fees $116, tax $44, extra miles $38

4th cheapest of 8 TX offers nationwide

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

$2,781 due at signing, besides the first payment (in the monthly).

Gas $224/mo: about 23 mpg (EPA), U.S. average price

Offer ends Nov 11 (in 6 days)

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

The listed payment is $719 a month. With everything added, it is $1,323 a month. The biggest piece is our gas estimate, $224 a month.

The listed payment$719

Fees due when you sign ($2,781), spread over 24 months+ $116
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
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
Gas (about)+ $224

Real Lease Cost, each month$1,323

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

Photo of this model from another year, not this exact car. Photo: Wlb5V, CC BY-SA 4.0

2027 Cadillac Vistiq AWD Luxury

What a take-over means

How this price compares

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2025 Cadillac LYRIQ Luxury

2026 Cadillac OPTIQ

2027 Cadillac Optiq

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2025 BMW 430 i xDrive Convertible

2027 BMW 530i

2026 Lexus TX