2026 Volvo XC40

Lease structure

Location

New York

Monthly (base)

$465/mo + tax

Due at signing

$5,716

Term

36 months

Miles / year

7,500

Money factor

0.00130 (3.1% APR)

Residual

60%

MSRP

$50,300

Selling price

$45,481

Broker fee

$699

How this scores

• Clutch Score

  MSRP vs. effective monthly — higher means more car for the payment
  43
• Discount off MSRP

  9.6% off vs ~8% brand avg
• Money factor vs buy rate

  0.1% APR markup
• Effective monthly vs segment

  $643/mo effective vs ~$550 segment
• Drive-off level

  $5716 down (~12.3 payments)
• Broker fee vs market

  $699 vs ~$500 market

Available in New York

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