Lowest real lease and finance rates in California

Our lenders' bank programs on 5670 in-stock vehicles at our Southern California partner dealers. Updated July 31, 2026. Right now 387 of them qualify for 0% APR financing. This is not "the whole market": only programs we actually close deals on, and only cars physically in stock.

0%387 cars with 0% APR financing in stock right now
Hyundai IONIQ 5, Subaru Trailseeker, Kia Niro EV, Hyundai IONIQ 9

Finance: 0% APR and the lowest rates

Finance payments below assume $5,000 down over 72 months; set your own down payment in the calculator and the number reprices to the cent.

Lease: top 20 by money factor

Lease payments below are computed at 7,500 miles a year and $3,000 down, the frame the whole market advertises in; it is the smallest number, not advice. Most California drivers need 10,000 to 12,000 miles; open any car, set your mileage and your down, and it reprices to the cent.

2026 Subaru Outback Wilderness AWD · 14 in stock MF 0.00001 (~0.02%)
from $556/mo · 42 mo 2026 Mazda CX-90 S Premium Plus 3.3 Turbo · 3 in stock MF 0.00001 (~0.02%)
from $679/mo · 36 mo 2026 Mazda CX-70 3.3 Turbo S Premium Plus AWD · 1 in stock MF 0.00001 (~0.02%)
from $647/mo · 36 mo 2026 Genesis G80 3.5T Prestige Black AWD · 2 in stock MF 0.00003 (~0.07%)
from $1004/mo · 36 mo 2026 Genesis G70 2.5T Prestige RWD · 10 in stock MF 0.00003 (~0.07%)
from $562/mo · 36 mo 2026 Mazda CX-90 S Premium Sport 3.3 Turbo · 6 in stock MF 0.00003 (~0.07%)
from $650/mo · 36 mo 2026 Genesis GV80 2.5T 2.5T AWD · 12 in stock MF 0.00004 (~0.10%)
from $678/mo · 24 mo 2026 Genesis GV80 2.5T AWD · 2 in stock MF 0.00004 (~0.10%)
from $671/mo · 24 mo 2026 Genesis G70 2.5T Prestige AWD · 1 in stock MF 0.00004 (~0.10%)
from $581/mo · 24 mo 2026 Mazda CX-70 3.3 Turbo Premium AWD · 2 in stock MF 0.00004 (~0.10%)
from $534/mo · 36 mo 2026 Genesis G80 2.5T Sport Prestige AWD · 5 in stock MF 0.00006 (~0.14%)
from $874/mo · 36 mo 2026 Mazda CX-70 3.3 Turbo Preferred AWD · 4 in stock MF 0.00006 (~0.14%)
from $479/mo · 36 mo 2026 Mazda CX-70 3.3 Turbo S Premium AWD · 2 in stock MF 0.00006 (~0.14%)
from $600/mo · 36 mo 2026 Subaru Trailseeker Touring AWD · 4 in stock MF 0.00007 (~0.17%)
from $543/mo · 36 mo 2026 Genesis G70 3.3T Sport Prestige RWD · 3 in stock MF 0.00008 (~0.19%)
from $638/mo · 36 mo 2026 Mazda CX-90 Premium Sport 3.3 Turbo · 5 in stock MF 0.00008 (~0.19%)
from $550/mo · 36 mo 2026 Mazda CX-70 3.3 Turbo Premium Plus AWD · 2 in stock MF 0.00008 (~0.19%)
from $606/mo · 36 mo 2026 Subaru Ascent Limited 7-Passenger · 3 in stock MF 0.00010 (~0.24%)
from $557/mo · 42 mo 2026 Subaru Ascent Limited Bronze Edition 7-Passenger · 4 in stock MF 0.00010 (~0.24%)
from $577/mo · 42 mo 2026 Nissan Murano SV AWD · 11 in stock MF 0.00012 (~0.29%)
from $398/mo · 36 mo

Method: each trim shows the best (lowest) rate among its in-stock cars. Money factor × 2400 approximates the annual percentage rate. Payments use the card scenario (7.5k mi/yr, $3,000 down lease / $5,000 finance, ZIP 90210 tax) and match our calculator to the penny. Bank programs update monthly, and inventory refreshes nightly.

Browse the full catalog

Frequently asked questions

Are these 0% APR deals real?

Yes. Right now 387 in-stock cars (mostly Hyundai IONIQ 5, Subaru Trailseeker, Kia Niro EV, Hyundai IONIQ 9) qualify for 0% APR financing from our lenders' current programs. Every rate is tied to a real VIN on a partner dealer's lot and matches our calculator to the penny.

What is a money factor?

The money factor is the lease equivalent of an interest rate. Multiply it by 2400 to get the approximate APR. A lower money factor means a cheaper lease.

How often do these rates change?

Bank programs update monthly and our inventory refreshes nightly, so this page reflects July 2026's live programs on cars physically in stock.

Is this the whole market?

No. These are only the programs we actually close deals on, on cars physically in stock at our Southern California partner dealers. We never quote a rate on a car we cannot deliver.

How do I lock one of these rates?

Open any car above to see the full breakdown in the calculator, then reserve it with a $95 deposit; if the dealer changes the deal, the deposit is refunded in full. We hold the price while your paperwork goes through.

Explore next

Full catalog · Payment calculator · IONIQ 5 lease · Payments under $400/mo · Hyundai lease rates · This month's best deals

Who runs these numbers

Hunter Lease is a licensed California auto broker (license #21138, verifiable with the California DMV): an automated, transparent lease and finance marketplace for new Hyundai, Kia, Nissan, Chevrolet, Volkswagen, Mazda, Subaru, Genesis and Honda vehicles across California, in English and Russian.

Every figure on this page is computed from live bank programs on cars physically in stock at our partner dealers, by the same engine that powers our public calculator, and matches it to the penny. Pages like this recompute from the live catalog with a minutes-long cache: the data here is current, not archived.

Prices are pre-negotiated and locked: the money factor, APR and every fee are in the open, each deal carries a VIN and a Hunter Score (an open-methodology 0-100 deal grade), and the number on the screen equals the number at signing. An SSN is required for the credit application; approval is always the bank's decision.