Hey LH community,
I’m in San Jose, CA and looking for advice on the lowest total-cost one-pay lease options currently available.
My situation:
I have a paid-off 2019 Acura RDX SH-AWD (~80K miles) with a $21K trade-in offer
Installed a home EV charger (~$0.25/kWh)
This will be a secondary/personal-use vehicle (light driving, but want something solid and comfortable)
Credit score is ~750
Open to any fuel type (EV, PHEV, hybrid, gas) as long as the overall cost is low
Preference for one-pay leases only
Ideally something with decent ride quality (coming from an RDX), but not married to any brand
What I’m looking for:
Lowest possible total cost (not focused on monthly)
Minimal hassle (clean structure, ideally no junk fees)
Willing to use trade-in equity if it helps the deal
Prefer to lease something newer and reliable vs. buying used outright
Would appreciate any:
Recent signed one-pay deals
Dealerships in NorCal offering aggressive one-pay structures
Tips for structuring one-pay leases (tax, GAP, early terminations, etc.)
Open-minded here — just want to make a financially smart move.
Thanks in advance,