The Lease Sheet
Every advertised factory lease, lease-cash incentive and local dealer note for this month, with the real cost math done. Browse free. Pick a car, get your deal sheet, walk in, sign.
Updated Oct 6, 2026
Most offers end Nov 2, 2026
Market: Bergen Co. NJ / Rockland NY
Best advertised leases
The payment in the ad hides the cash at signing. Real cost / mo spreads the due-at-signing over the term so every deal compares on one number. % of MSRP is that real cost divided by sticker (shown where the sticker price is published); under 1.0% is strong, over 1.25% is weak.
How we calculate it: NJ sales tax of 6.625% on all payments, $899 doc fee and $300 registration/title (change these on the Deal sheet tab). Rolled-in amounts are charged at a money factor of 0.0020 (about 4.8% APR); the brand's actual program rate may be lower. With true $0, you make one fewer payment because the first payment is built into the lease.
Factory lease cash
Lease cash is money the manufacturer puts toward the price on a lease. It lowers the capitalized cost before you negotiate anything. If the dealer's worksheet doesn't show it as a line item, ask for it by name.
| Brand | Model | Lease cash | Total incentives | Note |
|---|
Source: CarWhere manufacturer incentive feed, October 2026 (updated Oct 6). Amounts vary by region and trim; confirm on the brand's offer page for ZIP 07423.
Shop by brand & model
Pick a brand to see every advertised lease, every model with factory lease cash, and the nearest dealer. Or search a model across all brands.
All manufacturers this month
How much factory money each brand is putting behind leases, plus the buy-side incentives that show how hungry the brand is. Tap a row to open that brand.
| Brand | Lease programs | Max lease cash | Headline offers this month |
|---|
Sources: CarWhere (lease program counts and max lease cash, Oct 2026); Kelley Blue Book and Autotrader advertised leases; RealCarTips October 2026 incentive summary (average rebates, 0% APR).
Local dealers: Route 17 corridor
Factory offers are honored at every franchised dealer. What changes dealer to dealer is the doc fee, add-ons, and whether they'll discount below MSRP. These are the stores closest to Ho-Ho-Kus, Ramsey and Upper Saddle River, with the October factory money that applies at each.
Loaner & demo specials
Service loaners and executive demos are new cars with a few thousand miles, titled as new for lease purposes on many brands. They often carry the same lease cash as new plus a percentage off MSRP. Luxury brands discount them hardest.
| Brand / model | Type | Deal | Terms | Seen |
|---|
How to ask for a loaner
- Email the internet sales manager: "Send me your current loaner and demo list with VIN, miles and MSRP."
- Ask for the discount as a % off MSRP. Mercedes demos traded at 15–20% off in NJ this summer.
- Confirm the car still qualifies for this month's lease cash and the standard residual (some brands deduct for miles).
- Check the in-service date. The factory warranty usually started the day it went into loaner service.
Red flags
- Residual reduced for mileage without an extra discount to offset it.
- "Reconditioning" or "protection" add-ons added to the price.
- Mileage allowance that starts at zero instead of the odometer reading.
- Any fee to "reserve" the car before you've seen the numbers.
Your walk-in deal sheet
Pick a deal, add the local fees, and copy the sheet to your phone. Hand it to the salesperson: this is the car, this is the advertised program, these are the fees I'll accept.
Build the sheet
Copy to your phone
Check any lease quote
Plug in the numbers from a dealer's worksheet. If your monthly comes out higher than theirs is quoting, something is missing; if theirs is higher, ask which line is padded.
Sign-ups
Only you see this tab. Everyone who asked for a full deal, newest first, with the car they asked about.
| Name | Deal requested | Signed up | |
|---|---|---|---|
| No sign-ups yet. Share the link and they'll appear here. | |||