Subaru lease program · Chula Vista
2026 Subaru Ascent Premium 7-Passenger lease
$5,000 due at signing · $505/mo all in
$5,000 due at signing · true cost $505/mo
The math
| MSRP | $42,245 |
| Selling price | $39,245 |
| Acquisition fee (in the lease) | $650 |
| Cash down | −$3,700 |
| Adjusted cap cost | $36,195 |
| Residual value (59% of MSRP) | $24,925 |
| Money factor (≈ APR) | 0.00054 (1.31%) |
| Depreciation per month | $313.06 |
| Rent charge per month | $33.24 |
| Tax per month (8.75%) | $30.30 |
| Monthly payment | $376.61 |
| Due at signing | $5,000.00 |
| Total cost over 36 months | $18,181 |
Payment by amount due at signing
| Due at signing | Monthly | True monthly cost |
|---|---|---|
| $1,091 $0 down | $491 | $507 |
| $2,000 | $464 | $507 |
| $3,000 | $435 | $506 |
| $5,000 | $377 | $505 |
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 Subaru Ascent Premium 7-Passenger. 36 monthly payments of $376.61 (includes 8.75% estimated sales tax). $5,000.00 due at signing, which includes $3,699.67 cash down plus tax on it, the first monthly payment and an estimated $600 for registration and dealer fees. No security deposit assumed. Total of monthly payments $13,558.03. Mileage limit 10,000 miles per year. At lease end you may owe a $300 disposition fee and charges for excess wear and use. Purchase option at lease end: $24,925 plus fees. MSRP $42,245; selling price $39,245; $650 acquisition fee included in the lease. 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. 2026 Subaru Ascent Premium 7-Passenger Lease a new 2026 Ascent for $335/month, $4,099 down, $4,434 due at lease signing plus tax & license. Now through November 30, 2026 lease a new 2026 Ascent for $335/month on a 36-month lease (Premium 7 trim, code TCC-12). $4,434 due at lease signing plus tax & license. $0 security deposit. Manufacturer Offer. MSRP $42,245 (incl. $1,450 freight charge). Net cap cost of $35,796 (incl. $650 acq. fee). Total monthly payments are $12,060. Lease end purchase option is $24,925. Must take delivery from retailer stock by November 30, 2026. Other leases available on other trim levels. Cannot be combined with any other offer unless allowed by that offer. Special lease rates extended to well-qualified buyers. Subject to credit & vehicle insurance approval. Inventory may be limited. Not all buyers may qualify. Payments may be higher in some states. Net cap cost & monthly payment excludes tax, license, title, registration, insurance, additional options, & retailer charges. Retailer participation may affect actual payment. At lease end, lessee is responsible for vehicle maintenance & repairs not covered by warranty, excessive wear & tear, 15 cents per mile over 10,000 miles/year and $300 disposition fee (excl. NY and WI). Lessee pays personal property & ad valorem taxes (where applicable) & insurance. Not available in HI. See participating retailer for details.
What the Ascent lease has done
The cheapest Ascent lease each time we looked, quoted with no tax, no fees and nothing down — so the line follows the manufacturer changing the deal, not your ZIP code. The lowest we have seen is $450, on Oct 20, 2026.
What you're actually getting
From EPA and NHTSA crash tests, for the 2026 Subaru Ascent. Figures are for the nameplate, so a different trim or drivetrain can differ.
Other Subaru Ascent years and trims
Same model in other trims and model years, priced with the same amount due at signing so the payments compare fairly.
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