This Buick lease calculator estimates what you will pay each month to lease an Envista, Encore GX, Envision or Enclave, along with the amount due at signing and the total cost of the lease.
Buick sells only SUVs in the US, and its prices sit between mainstream and luxury brands. That makes Buick a popular choice for drivers who want a quiet, well-equipped crossover on a lease without a luxury-brand payment.
Buick Lease Calculator
Enter the numbers from your Buick dealer’s lease worksheet, or keep the example values to see how a typical lease works, then press Calculate Lease.
Estimates only. The starting values are an example, not a Buick offer. Your dealer’s lease worksheet and your lease agreement list the actual MSRP, selling price, residual value, money factor and fees. Changing the term or mileage moves the residual by an estimated amount.
Why Buick Lease Payments Can Be Lower Than You Expect
Two things work in a Buick shopper’s favor. The entry models, the Envista and Encore GX, have low starting prices, so there is simply less depreciation to pay for. And Buick leases are written by GM Financial, which regularly supports Buick models with lease cash and loyalty offers that come straight off the cap cost.
The flip side is that some Buicks lose value faster than rivals, which means a lower residual. Lease cash is often how Buick makes up for it, so always compare the full payment, not just the discount.
How to Read a Buick Lease Quote
A dealer quote that only shows a monthly payment hides most of the deal. Ask for these lines and enter them in the calculator:
- MSRP and selling price. The gap between them is your discount. The residual is calculated on MSRP, so a discount lowers your payment without touching the residual.
- Cap cost reduction. Any money down, trade-in equity or rebates. Ads often assume a down payment, so check whether the advertised payment includes one.
- Residual and money factor. Both come from GM Financial. If the money factor is higher than the buy rate for your credit tier, the dealer has added a markup.
- Fees and tax. The acquisition fee, doc fee, registration and how your state taxes the lease.
Using the Buick Lease Calculator Step by Step
- Choose the model. Pick the Envista, Encore GX, Envision or Enclave, or enter another Buick.
- Enter MSRP and the selling price. MSRP is on the window sticker. The selling price is what you agreed with the dealer before lease cash.
- Add the residual and money factor. Both come from GM Financial and should be on the lease worksheet.
- Add money down, rebates, fees and tax. Buick lease cash goes in the rebates field.
- Set your expected miles. The calculator adds overage to the total cost if you drive more than the plan allows.
- Press Calculate Lease and compare the payment, due at signing and total cost.
Example: A Zero-Down Buick SUV Lease
This example uses a midsize Buick SUV with a $40,000 MSRP and a negotiated price of $37,500, with nothing down, a 56% residual and a 0.00220 money factor (5.28% APR) over 36 months and 10,000 miles a year. Tax is 7% on each payment. These are example numbers, not a Buick offer.
| Step | Math | Result |
|---|---|---|
| Adjusted cap cost | $37,500 | $37,500.00 |
| Residual value | $40,000 × 56% | $22,400.00 |
| Monthly depreciation | ($37,500 − $22,400) ÷ 36 | $419.44 |
| Monthly rent charge | ($37,500 + $22,400) × 0.00220 | $131.78 |
| Base payment | $419.44 + $131.78 | $551.22 |
| Payment with 7% tax | $551.22 × 1.07 | $589.81 |
With no money down, only the first payment, the fees and the taxes are due at signing. Press Calculate Lease above with the example values to see the full amount due at signing.
Comparing Buick SUVs for a Lease
| Model | Size | Good fit for |
|---|---|---|
| Envista | Small crossover | The lowest payment in the lineup and easy city parking |
| Encore GX | Small SUV | A taller seating position and more cargo room than the Envista |
| Envision | Compact SUV | More premium features and space for a small family |
| Enclave | Three-row SUV | Families who need a third row, at a higher monthly cost |
Should You Put Money Down on a Buick Lease?
Putting money down lowers the monthly payment, but it does not save much overall, because you are only prepaying depreciation. The bigger risk is losing it: if the SUV is stolen or totaled, gap coverage pays the lender, and your down payment is usually gone. Try the down payment field at zero and at a few thousand dollars to see how little the total cost changes.
Ending Your Buick Lease
At lease end, GM Financial offers a free pre-return inspection at home, at work or at a dealer. You can buy the Buick, return it, or lease or buy a new GM vehicle. In the last case GM Financial may waive the disposition fee, and a partial excess wear waiver may also apply. You can also extend the lease by one month with your normal payment if your next vehicle is not ready yet.
The Money Factor on a Buick Lease
GM Financial sets a base money factor for each credit tier, and Buick sometimes lowers it on selected models as a lease incentive. Multiply any money factor by 2,400 to see the rough APR. On a $40,000 Envision, a money factor of 0.0022 adds about $150 a month in rent charge, and each 0.0001 step changes the payment by roughly $7. If the money factor on your quote is higher than the buy rate for your tier, ask the dealer to remove the markup.
Sales Tax on a Buick Lease
Tax depends on your state. Most states tax each monthly payment, which keeps the tax small because you only pay on the part of the car you use. Some states tax all the payments upfront, and a few tax the whole price of the vehicle at signing. Choose the right method in the calculator, since it changes both the payment and the amount due at signing.
Lease or Buy a Buick?
Buicks are comfortable, well-equipped SUVs, but their resale values are generally lower than those of the best-selling brands. That works in favor of leasing: the lender takes on the depreciation risk, and Buick lease cash often makes the payment lower than a loan payment by a wide margin. Buying makes more sense if you plan to keep the car for many years or drive far more than 15,000 miles a year. Compare the calculator’s total cost with the cost of a loan minus the car’s likely trade-in value.
Leasing a Buick Avenir
Avenir is Buick’s top trim, offered on models like the Envision and Enclave. It adds premium materials and features, and several thousand dollars to the MSRP. Because the residual is a percentage of MSRP, a higher-priced Avenir also has a higher residual in dollars, but the depreciation you pay still grows. Run the calculator for the Avenir and for the next trim down with the same term and miles. If the difference in the monthly payment is small, the Avenir may be worth it. If it is large, the extra features may not be.
What Is Due at Signing on a Buick Lease
Expect the first month’s payment, GM Financial’s acquisition fee, the dealer doc fee, registration and any upfront tax. A cash down payment, if you choose one, is added on top. Many Buick ads show a payment with a sizable amount due at signing in the fine print, so compare offers by their total cost, which the calculator shows, rather than by the monthly figure.
Envista or Encore GX: Buick’s Smallest SUVs
The Envista is Buick’s lowest-priced model, a sleek, low-slung crossover with a payment that can rival many compact cars. The Encore GX costs a little more but has a taller, more traditional SUV shape and available all-wheel drive. Both often carry Buick lease cash. If you mostly drive in town and want the lowest payment, the Envista usually wins. If you need all-wheel drive or a bit more cargo height, compare the two with the same term, miles and down payment, and look at the total cost before choosing.
Do You Need GAP on a Buick Lease?
Lease contracts usually require higher insurance limits than the state minimum, plus comprehensive and collision coverage. Ask your insurer for a quote before you sign, since it is part of the real cost of leasing. GAP coverage pays the difference between the insurance payout and what you owe if the car is totaled. Check whether your GM Financial lease already includes it before buying it separately.
Buick Versus Its Rivals on a Lease
Buick shoppers often compare the Envision with the Honda CR-V and Toyota RAV4, and the Enclave with the Toyota Grand Highlander or Hyundai Palisade. The Japanese and Korean rivals tend to have higher residuals, which lowers depreciation. Buick often answers with lease cash and bigger discounts. The only way to know which wins is to run both through the calculator with the same term, miles and money down, and compare the total cost.
A Note on the Numbers
The calculator follows the standard lease formula used by GM Financial: depreciation plus a rent charge, with your state’s sales tax applied. It starts with an example, not a current Buick offer. For a real answer, use the numbers on your dealer’s worksheet.
Frequently Asked Questions
Who handles Buick leases?
Buick leases are financed by GM Financial, the captive finance company of General Motors. The same lender handles Chevrolet, GMC and Cadillac leases.
Which Buick is the cheapest to lease?
The Envista usually has the lowest payment because it has the lowest price in the lineup. Incentives change every month, so compare the Envista and Encore GX with current offers in the calculator.
Can I lease a Buick with no money down?
Yes. Many Buick leases are offered with zero down, although you still pay the first month, fees and taxes at signing. The monthly payment is higher without a down payment.
What happens if I go over the mileage on a Buick lease?
You pay the per-mile charge listed in your lease agreement for every mile over the allowance. Buying the vehicle at lease end avoids the charge.
Can I end a Buick lease early?
Yes, but early termination charges listed in your lease agreement apply. Buying the vehicle or trading it in can sometimes cost less, so compare the payoff with its value first.
Does GM Financial waive the Buick turn-in fee?
It may waive the disposition fee if you lease or buy a new GM vehicle when you return your Buick, or if you buy the leased Buick. Confirm the waiver with GM Financial before lease end.
How is a Buick lease payment calculated?
Take the adjusted cap cost, subtract the residual and divide by the number of months for depreciation. The finance part, called the rent charge, is the cap cost plus the residual times the money factor. Tax goes on top.
What is a good money factor on a Buick lease?
The best money factor is GM Financial’s buy rate for your credit tier, or a lower promotional rate if Buick is offering one. Multiply it by 2,400 to compare with a loan APR.
Can I lease a Buick Enclave for a family?
Yes. The Enclave is Buick’s three-row SUV. Its higher price means a higher payment, so compare its total cost with the Envision in the calculator.
Are Buick leases cheaper than Chevrolet leases?
Not always. Buick often supports leases with lease cash, which can bring payments close to similar Chevrolet SUVs. Compare both with the same term and miles.