Best Mazda Lease Deals — November 2026
The lowest Mazda money factor on record right now is 0.00001 on the CX-90 — a 0.02% APR equivalent with a 54% residual. On the cash side, the MAZDA3 carries $2,500 in active lease-support incentives.
By the CarWhere Research Team · Live manufacturer program data · Updated daily
Mazda money factors on record
The money factor is the lease's interest rate (× 2400 = APR). Dealers can mark it up over the program rate — these are the numbers a quote has to beat.
| Model | Money factor | APR equiv. | Residual | Term |
|---|---|---|---|---|
| 2026 Mazda CX-90 PHEV Preferred | 0.00001 | 0.02% | 54% | 36 mo |
| 2026 Mazda CX-30 S | 0.00018 | 0.43% | 61% | 36 mo |
| 2025 Mazda CX-50 S Select | 0.00038 | 0.91% | 60% | 36 mo |
| 2025 Mazda MAZDA3 S | 0.00040 | 0.96% | 59% | 36 mo |
| 2026 Mazda CX-70 Preferred | 0.00044 | 1.06% | 55% | 36 mo |
| 2026 Mazda CX-5 S | 0.00069 | 1.66% | 63% | 36 mo |
| 2025 Mazda Mx-5 Miata Rf Grand Touring | 0.00320 | 7.68% | 60% | 36 mo |
| 2026 Mazda Mx-5 Miata Sport | 0.00346 | 8.30% | 59% | 36 mo |
Active Mazda lease-support incentives
| Model | Total incentive value | Programs | Avg payment (verified) |
|---|---|---|---|
| 2026 Mazda MAZDA3 | $2,500 | 6 | — |
| 2026 Mazda CX-70 | $1,500 | 9 | — |
| 2026 Mazda CX-90 | $3,500 | 1 | — |
| 2026 Mazda CX-50 | $3,000 | 8 | — |
| 2024 Mazda Mazda Mx-5 Miata | $1,000 | 6 | — |
| 2024 Mazda Mazda Mx-5 Miata Rf | $1,000 | 5 | — |
| 2023 Mazda CX-30 | $1,000 | 3 | — |
| 2024 Mazda MAZDA3 Hatchback | $1,000 | 5 | — |
| 2024 Mazda Mazda Cx-5 | $1,000 | 5 | — |
| 2024 Mazda Mazda Cx-70 | $1,000 | 4 | — |
| 2024 Mazda MAZDA3 Sedan | $1,000 | 6 | — |
| 2026 Mazda CX-5 | $1,000 | 3 | — |
| 2024 Mazda Mazda Cx-70 Phev | $1,000 | 3 | — |
| 2024 Mazda Mazda Cx-90 | $1,000 | 6 | — |
| 2024 Mazda Mazda Cx-90 Phev | $1,000 | 4 | — |
| 2025 Mazda Mazda Cx-30 | $750 | 5 | — |
| 2025 Mazda Mazda Cx-50 | $500 | 1 | — |
| 2025 Mazda Mazda Cx-50 Hybrid | $500 | 1 | — |
| 2026 Mazda Mx-5 Miata | $0 | 1 | — |
| 2025 Mazda Mx-5 Miata Rf | $0 | 1 | — |
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FAQ
What is a good money factor on a Mazda lease?
Anything at or near 0.00001 (0.02% APR equivalent) — the best Mazda number currently on record, on the CX-90. Multiply a quoted money factor by 2400 to convert it to APR; if the dealer quotes higher than the program rate, that markup is negotiable.
Which Mazda models have lease deals right now?
MAZDA3 ($2,500 in incentives), CX-70 ($1,500 in incentives), CX-90 ($3,500 in incentives), CX-50 ($3,000 in incentives) lead the active programs as of November 2026. Programs change monthly — the tables above reflect the live feed.
Why do money factors matter more than the advertised payment?
The advertised payment bundles the vehicle price, residual, money factor, and due-at-signing into one number — which hides a marked-up money factor. Negotiate the vehicle price and verify the money factor separately; a 0.0004 markup on a $40,000 lease costs roughly $500 over 36 months.
Where does this data come from?
Manufacturer incentive and lease-program feeds tracked by CarWhere, refreshed continuously; this page regenerates daily. Figures are program-level — your region and credit tier set the final numbers, so use these as the benchmark the dealer quote has to beat.