Deal Check: 2026 Lyriq Premium Sport Loaner

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1

Florida dealers are tough and this took quite a bit of time, I feel I got to a good deal on this though, especially for not leaving Florida. Just looking for confirmation that’s the case.

2026 Cadillac Lyriq Premium Sport AWD Loaner (less than 2k miles)

24 month / 10k miles

$549/month $2,000 due at signing

MSRP: $70,790

Discount: $10,180.30 (14.38%)

Rebate: $3,000 (conquest, private offer, GM card, I can’t get ev Supplier, I’ve tried)

Adjusted Price: $57,609

Taxable fees (estimated): $215.50

Doc Fee: $998

Tax $259.12

Non Tax Fees: $227

Balance: $59,309.32

I can’t get a EV Supplier code from anyone by tomorrow unfortunately so I’m throwing that one out. Unless anyone happens to have one available!

I couldn’t quite get the numbers to work in the calculator. I do believe they marked the MF up slighly. To get the numbers to work I believe the MF is .0032. I’m okay with that as they got the overall price down to what I was aiming for. It could also be loaner miles affecting the RV, I don’t have the full lease breakdown.

I’m also having them write up a one-pay, based on current calculator settings I’m thinking that will be roughly $13,500.

Current effective monthly is $655, would be $605 with one-pay.

The majority of dealers either scoffed at my initial offers, or countered and came in basically 4-5% under sticker with fees and add-ons added back in, I was able to get three good quotes and work from there to this.

Overall thoughts on the deal? My vehicle was totaled recently which gave me a deadline of the end of the month. This sales manager was fair and a straight shooter, I’ll be signing tomorrow, but just wanted some opinions.

2

First off nice work. Going from dealers at 4–5% under sticker to 14.4%, and catching the MF markup yourself, is a real grind, especially in a tough FL market.

If you didn’t sign yet:

One thing worth a look before you sign, though: I don’t think you’ve hit lease-break yet, and there may be meaningful room left.

Quick gut check — what’s your residual? If it’s running ~73–75% on the $70,790 (typical for a 2026 Premium Sport at 24/10k), that’s ~$52–53K. Your adjusted cap is $57,609 (60,610 selling − 3,000 rebate), which sits ~$5K above the residual — and that gap is pure depreciation you’re financing. Lease-break, where adjusted cap meets residual, would be a selling price around $55–56K, roughly 20–22% off. You’re at 14.4%, so there’s ~$5K of selling price still on the table before the deal hits its true floor.

Two separate levers there: the ~$5K in price, and the MF you already flagged as marked up — pushing the rate to buy is a second chunk on top.

And your timing is leverage, not just pressure: your end-of-month deadline is the dealer’s too. They want that loaner gone before the month closes as much as you want the car, so there’s often more give than the counter shows. Even if FL won’t give you the full $5K, clawing back $2–3K plus the MF tonight is worth one hard push.

Either way — solid work getting it this far. Just didn’t want you leaving the floor on the table when you’re this close.

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