Lease quotes · 39 months · 12,000 mi/yr · plus DMV fees

Three lease offers, side by side

Each quote is a monthly payment plus a separate amount due at signing. Total over 39 months = payment × 39 + due at signing. Sorted by lowest total.

*Estimate for quotes that exclude the trade: assumes ~$1,900 equity at a $21,600 trade value lowering the monthly payment by ≈ $49/mo over 39 months; due at signing unchanged. Not a dealer quote. At face value the GX has the lowest total; the GX and loaner trade-equity estimates are lower still, since their quotes exclude the trade.

†Nothing-down figures are estimates (payment + due at signing ÷ 39). If the dealer actually rolls it in, the payment will run a bit higher because of interest and tax on the larger amount, and some fees may still be due up front.

Lexus of Smithtown · Ethan Halsey

2026 Lexus GX 550 Premium+

New · in stock

With money down $993.00/mo + $6,167.54 due at signing

Nothing down (rolled in) ~$1,151.14/mo, ~$0 due + DMV (est.)†

Total over 39 months: $44,895

Estimate with ~$1,900 trade equity (−$48.72/mo): $944.28/mo + $6,167.54 due, or ~$1,102.42/mo nothing down

Color

White / Saddle Tan

Seats

NuLuxe synthetic leather; heated + ventilated front; heated outboard 2nd row

Other

Heated wheel, 360° camera, hands-free liftgate, power 3rd row

Heated rear seats

Yes (outboard 2nd row)

Fuel

EPA 17 mpg combined (15/21), premium

Trade

Not included — Ethan offered $21,600

Pros

• Lowest total at face value — and lower still with trade equity
• New, full Lexus warranty, strong resale
• Saddle Tan interior, heated rear seats, 3 rows

Cons

• 17 mpg vs ~25 for the X5s
• Synthetic leather, no massage seats
• No sporty M Sport equivalent; truckier ride

Build on Lexus.com →

Habberstad BMW Huntington · Audra Pittel

2026 BMW X5 xDrive50e

New plug-in hybrid · stock 9545033 · revised quote

With money down $1,004.71/mo + $5,939.04 due at signing

Nothing down (rolled in) ~$1,156.99/mo, ~$0 due + DMV (est.)†

Total over 39 months: $45,123

Trade included in this quote at $22,000

VIN

5UX43EU00T9545033

Color

Mineral White / Black

Packages

M Sport (no Climate Comfort)

Heated rear seats

No

Price

MSRP $84,000 · selling $79,800 (incl. $3,500 rebates)

Fees

Acquisition $925 · doc $175 (in quote)

Fuel

Plug-in hybrid; ~25 mpg on gas plus electric range

Trade

Included at $22,000

Pros

• Brand new, full warranty for the whole lease
• Most powerful; electric commuting
• Trade already included at $22,000 — no separate sale to arrange

Cons

• Black interior
• No Climate Comfort — no heated rear seats
• Slightly higher total than the GX at face value

View listing →

Competition BMW · Maggie Chu

2026 BMW X5 xDrive40i

Used loaner · 9,177 mi

With money down $1,047.99/mo + $6,209.00 due at signing

Nothing down (rolled in) ~$1,207.20/mo, ~$0 due + DMV (est.)†

Total over 39 months: $47,081

Estimate with ~$1,900 trade equity (−$48.72/mo): $999.27/mo + $6,209.00 due, or ~$1,158.48/mo nothing down

VIN

5UX23EU07T9246467

Color

Mineral White / Coffee

Packages

M Sport, M Sport Pro, Premium, Climate Comfort, Parking Assistance

Heated rear seats

Yes (Climate Comfort)

Price

List $78,926 · selling $75,610 (incl. $4k rebates)

Fuel

~25 mpg combined

Trade

Not included — rework at $22k requested, no reply yet

Pros

• Best-equipped X5: Coffee interior, Climate Comfort, M Sport Pro
• Heated front + rear seats, real leather
• $3.3k off list plus rebates

Cons

• Loaner with 9,177 mi
• Factory warranty (4yr/50k from 10/31/2025) ends ~3 months before lease ends
• Trade not yet included