Sienna demand is far outpacing the supply so the discount is probably ok. From all the recent Sienna leases we have booked, I’m not seeing many with discounts over $1k. The $1495 acq fee tells me that this is a CAL lease so expect some serious pain when they hit you for wear and tear at lease end. We have several credit unions that lease in NJ/PA and elsewhere in the Northeast that have a significantly better payment than CAL across the entire Sienna lineup. If you DM me the dealer you are talking to, I’ll let you know if they are working with one of our credit unions. If not, I might have another dealer nearby that is.
Here is a comparison of the variables between CAL and our CUs in the Northeast on the 2026 Sienna XLE FWD.
CAL (NJ, NY, PA)
MF @ 0.00270, 39/12k RV @ 71%, Acq Fee @ $1495
CULA / FourLeaf FCU (NJ, NY, VT, OH, and more states soon)
MF @ 0.00214, 39/12 RV @ 71%**, Acq Fee @ $995 in NJ or $1445 in NY
CULA / Hudson Valley CU (NY, and more states soon)
MF @ 0.00225, 39/12 RV @ 71%**, Acq Fee @ $1445 in NY
CULA / Affinity FCU (PA, NJ, NY)
MF @ 0.00235, 39/12 RV @ 71%**, Acq Fee @ $995 in NJ/PA or $1445 in NY
CULA / Citadel CU ¶
MF @ 0.00235, 39/12 RV @ 71%**, Acq Fee @ $995 in PA
CULA / PSECU (PA, OH)
MF @ 0.00250, 39/12 RV @ 71%**, Acq Fee @ $995 in PA
**Our RV on this will be higher in a week.