Matti Blume · CC BY-SA 4.0Land Rover lease program · Oakland
2026 Land Rover Defender 130 lease
$5,000 due at signing · $1,276/mo all in
$5,000 due at signing · true cost $1,276/mo
The math
| MSRP | $82,400 |
| Selling price | $81,576 |
| Cash down | −$1,946 |
| Adjusted cap cost | $79,630 |
| Residual value (57% of MSRP) | $47,236 |
| Money factor (≈ APR) | 0.00123 (2.96%) |
| Depreciation per month | $899.83 |
| Rent charge per month | $156.22 |
| Tax per month (10.75%) | $113.52 |
| Monthly payment | $1,169.57 |
| Due at signing | $5,000.00 |
| Total cost over 36 months | $45,935 |
Payment by amount due at signing
| Due at signing | Monthly | True monthly cost |
|---|---|---|
| $2,907 $0 down | $1,232 | $1,279 |
| $3,000 | $1,229 | $1,279 |
| $5,000 | $1,170 | $1,276 |
Putting more down lowers the payment but not the total cost much, and that cash is at risk if the car is totaled.
Closed-end lease estimate for a 2026 Land Rover Defender 130 . 36 monthly payments of $1,169.57 (includes 10.75% estimated sales tax). $5,000.00 due at signing, which includes $1,946.21 cash down plus tax on it, the first monthly payment, a $1,075 acquisition fee and an estimated $600 for registration and dealer fees. No security deposit assumed. Total of monthly payments $42,104.54. Mileage limit 10,000 miles per year. At lease end you may owe charges for excess wear and use. Purchase option at lease end: $47,236 plus fees. MSRP $82,400; selling price $81,576. Assumes excellent (720+) credit, approved by the lender. This is an estimate, not an offer to lease. Final terms are set by the selling dealer and may vary. LEASE FOR $ 939 PER MONTH FOR 36 MONTHS*$7,995 CASH DUE AT SIGNING $939 First month's payment $5,981 Down payment $0 Security deposit $1,075 Acquisition fee *Vehicle shown: 2026 Defender 130 with optional features. †New 2026 Defender 130 P300 S with 36-month lease is based on an adjusted capitalized cost of $81,576 (MSRP of $82,400 less the suggested dealer contribution of $824 resulting in total adjusted capitalized of $81,576). Actual rates and dealer contribution may vary and could affect your monthly lease payment. $7,995 due at signing includes $5,981 down payment, $0 security deposit, $1,075 acquisition fee and first month's payment; excludes retailer fees, taxes, license and registration fees, processing fee and any emission testing charge. Actual rates and payments of closed-end lease may vary. Supplies are limited. For well-qualified lessees as determined by approved lender, JPMorgan Chase, N.A. All amounts shown are estimates; retailer sets actual amounts. Lessee responsible for insurance, maintenance, excess wear and excess mileage over 30,000 miles at $0.30/mile. Based on MSRP of $82,400 (excludes destination and handling) with a residual value of $47,236 as of 11/3/2026. Total of lease payments $33,804. U.S. residency restrictions apply. Lessee has option to purchase vehicle for the residual value. Turn-in fee of $495 may apply. Customer must take new vehicle delivery from retailer stock by 11/30/2026.
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