I would love some feedback on this deal. The car will be leased from a dealership in MD, but registered in FL (active duty military).
2026 Hyundai Palisade Calligraphy AWD Lease Deal
Thanks for the help!
The money factor is marked up a bit. You can try to push them to base MF. However as of now, the discount on it for the time being is good on these. Discounts on these will go up eventually, but if you’re tied to getting the vehicle now, it’s decent.
Thanks for the reply. I appreciate you taking a look 
This is not a hack. I’m not sure it’s even possible to hack a new Palisade right now.
In which case you have two choices: lease something hackable like an Infiniti QX60 or Mazda CX90; or buy the Palisade if that’s what you really want.
@max_g I’m not sure what you mean when you say it’s not a hack. Genuinely curious since I’m new to the forum and still learning.
It’s a $800/mo proposition. Might as well finance it.
@mrs_striebs If you haven’t checked out the marketplace it may be worth a look. Relative to your Palisade numbers there are some great deals in there on what may be considered more luxurious cars. A better value, so to speak.
For example, here’s a 2026 Infinity QX80 Luxe with a $98k MSRP for $782+ taxes/fees (after MSD). No affiliation with the broker, just a random example. There are many others both above and below that price range and across many different brands. If you don’t want to waste time haggling back and forth with dealer(s), a broker can potentially save you a lot of time and provide more of a discount than you may be able to get on your own.
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What they are saying is that financially speaking yes, it’s better to purchase this rather than lease. My point though was if you’re tied to leasing and need the vehicle now, it’s a decent deal.
@IAC_Nick Thanks for the clarification.
I have a 2025 Palisade Limited (financed @ 3.99% in Oct 2024). My payment is $671/month. It was hit in a parking lot and had $10k worth of damage repaired. I’m frustrated that it’s under a year old, under 8,000 miles, and already has damage.
I’d like to try leasing because my monthly payment will only be slightly higher, I get a 2026 model with some upgraded features, and I won’t take the hit if someone slams into my car again. I can walk away after 36 months and get something new again.
Is that logic flawed?
Not flawed at all, except maybe to some people that bash leasing because they are tied to the financial aspect of it. If you like the car, the deal is good and you really want to lease, then just lease it and toss the keys back in 3 years. Both leasing and financing both have their pros and cons, but it’s really up to what you want to do.
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@TR10 Thank you for that advice. I honestly hadn’t considered any other brands because I like my Palisade. I think you’re right that it’s probably worth a look through the marketplace before I sign!
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You won’t take the depreciation hit from the accident, but you’d still have to repair it in a lease.
Your logic is incomplete, let’s put it that way.
What happens after this proposed lease ends? You’d naturally lease another car. Let’s say you spend the same or 5-10% more with inflation. Over two leases you’ve spent close to $60,000 and have nothing to show for it.
Your financed Palisade, OTOH, will be worth let’s say $14,000 instead of an accident-free $17,000 once you’ve paid it off. So the diminished value after an accident is still worth a heck of a lot more than nothing.
A hacked lease is one that’s so cheap that repetitive leases are cheaper than paying off a loan and having equity. That’s why we’re here. But not all cars can be hacked. And your proposed lease fails that test really badly.
What are you doing with the negative equity on this car?
@gohawks23 I don’t have negative equity since I put money down on the loan. I owe $28,000 and most online calculators are spitting out $35,000 for the car. I’ve also filed a diminished value claim with the at fault driver’s insurance company. We’ll see how much they settle for.
That 35 is probably meaningless unless it came from Carmax, Carvana, or similar…have you tried them?
Also, if dealers or private parties look at Carfax and see the accident that will hurt value too…and drive some off.
You already put a down into current car so why not just keep it for a few more years?
Carmax and Carvana both offered 35.
I suppose I could keep the car a few more years. I’m frustrated that it’s already been in an accident and the 2026 model is appealing with some of the upgrades they made (bigger footprint, wireless car play and integrated dashcam).
I don’t know how your state taxes but it’s likely you have paid full on sales tax on a car that is not even a year old and now you are looking to replace…your effective cost to have this car for such a short time has to be close to the lighting $ on fire area.
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If you need the room, definitely get the Infiniti QX80. It has a similar “presence” as an Escalade, IMO.
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My husband is active duty, so we both have FL residency. As Florida residents stationed outside of FL on military orders, we were exempt from sales tax on the car.
To your point, though, I’ll lose roughly 15k when all is said and done (depending on how much I get from the diminished value claim). It’s part of why I’m looking at leasing. It feels silly to keep buying if I’m tempted to look for something new every 2-3 years.
Thanks for all your input. I really appreciate it!