Hyundai prints the widest spread of lease structures in New England this November: a $199 Tucson that genuinely beats the national program, a $69 Kona headline carried by $3,999 due at signing, and, in Laconia, headlines from $95 to $187 a month that complete into the most expensive leases on this page. Every figure was read on the dealers' own pages on November 9 and 10, 2026. Every cost is effective monthly cost: the payment times the term plus the amount due at signing, divided by the term. Taxes and registration are not included.
Tucson: the $199 headline survives the math, and still loses by $6
| Dealer | Vehicle | Payment | Term | Due at signing | Miles per year | Effective cost |
|---|---|---|---|---|---|---|
| McGovern Hyundai (Concord and Route 93) | 2026 Tucson SE AWD | $221 | 36 mo | $2,995 | 7,500 | $304 |
| Quirk Hyundai | 2026 Tucson SEL Plus AWD | $199 | 36 mo | $3,999 | 10,000 | $310 |
| Hyundai national program | 2026 Tucson | $249 | 36 mo | $3,999 | Not printed | $360 |
Start with what Quirk Hyundai gets right. Its $199 Tucson undercuts Hyundai's own $249 national headline by $50 a month, and the advantage survives completion: $310 effective against $360 for the national program. Our November Tucson deep dive prices that comparison in full. Then the honest part. McGovern Hyundai, in Concord (the former Grappone Hyundai store in Bow) and on Route 93 in Wilmington, completes its Tucson at $304, six dollars a month under Quirk. The tradeoff is printed on both cards for anyone who reads them: McGovern's car is an SE, the base trim, against Quirk's SEL Plus, and McGovern's lease allows 7,500 miles a year against Quirk's 10,000. The headline shopper picks the $199 and the higher trim. The effective-cost shopper saves $216 over the term and drives less. Both numbers belong on the page, because that tradeoff is the entire decision.
Santa Fe and Elantra: one row each way
| Dealer | Vehicle | Payment | Term | Due at signing | Miles per year | Effective cost |
|---|---|---|---|---|---|---|
| McGovern Hyundai (Concord and Route 93) | 2026 Santa Fe SE AWD | $239 | 36 mo | $2,995 | 7,500 | $322 |
| Quirk Hyundai | 2026 Santa Fe SEL AWD | $278 | 36 mo | $3,999 | 10,000 | $389 |
| Quirk Hyundai | 2026 Elantra SEL Sport | $145 | 36 mo | $3,999 | 10,000 | $256 |
| McGovern Hyundai (Concord and Route 93) | 2026 Elantra SE | $189 | 36 mo | $2,995 | 7,500 | $272 |
The Santa Fe row is McGovern's by $67 a month effective, the widest Hyundai gap in the region, with the same base-trim and low-mileage caveats as the Tucson. The Elantra row flips it. Quirk's $145 Elantra SEL Sport, whose fine print names the car an SE, completes at $256 and undercuts McGovern's $272, again with the higher mileage allowance. One flag rides on the Quirk Santa Fe before any shopper acts on either figure: Quirk Hyundai's own homepage carousel showed a Santa Fe at $219 a month on a 24-month term while its specials page priced the car at $278 for 36. The specials page is the board we price, and the carousel is the store arguing with itself in public.
Irwin Hyundai: the low headline is the expensive lease
Irwin Hyundai in Laconia prints the lowest Hyundai payments in New England, $95 to $187 a month. Every one of those cards is a 24-month lease at 7,500 miles a year whose due at signing runs $3,000 to $7,700, and most of that due is labeled, in Irwin's own fine print, cash or trade equity. Complete the math and the $98 Tucson is the most expensive Tucson on this page. Then notice what else is on Irwin's cards: a zero-down structure on the same cars, several of them on 36-month terms, and on the Tucson and Santa Fe the zero-down version completes far cheaper than the low-headline version next to it.
| Vehicle | Low payment | Term | Due at signing | Low effective | Zero-down payment | Zero-down effective |
|---|---|---|---|---|---|---|
| 2026 Kona SE AWD | $102 | 24 mo | $3,000, including $1,449 cash or trade equity | $227 | $170 (24 mo) | $237 |
| 2026 Elantra SE | $95 | 24 mo | $5,700, including $4,156 cash or trade equity | $333 | $281 (24 mo) | $353 |
| 2026 Tucson SE FWD | $98 | 24 mo | $7,500, including $5,947 cash or trade equity | $411 | $288 (36 mo) | $336 |
| 2026 Santa Fe SE AWD | $128 | 24 mo | $7,500, including $5,923 cash or trade equity | $441 | $312 (36 mo) | $361 |
| 2026 Palisade Hybrid SEL FWD | $166 | 24 mo | $6,000, including $4,385 cash or trade equity | $416 | $366 (24 mo) | $442 |
| 2026 IONIQ 5 SE AWD | $187 | 24 mo | $7,700, including $6,064 cash or trade equity | $508 | $435 (36 mo) | $487 |
The zero-down dues above are computed from the components in Irwin's fine print, first payment plus a $650 acquisition fee, a $764 admin fee, and a $35 title fee, because Irwin prints the parts rather than the total. Two more Irwin details belong in the file. The Tucson card's graphic prints a $7,500 total due while its own components sum to $7,494. And a second Santa Fe listing on the same page, a generic graphic with no payment, carries a heading that expires November 30, 2026 above fine print that expired December 31, 2025. None of this makes Irwin's zero-down Tucson a bad lease; at $336 effective it is a reasonable one. It makes the $98 headline next to it a number that should never be quoted without its due attached.
The rest of the Hyundai board
McGovern's Route 93 store also prints the month's most extreme headline, a Kona SE AWD at $69 a month for 24 months with $3,999 due, which completes at $236 and takes second place among the region's leases that complete under $300 a month. McGovern Hyundai of Brockton, the former Bernardi store, publishes the full IONIQ 9 ladder from $419 to $729 a month, all at $4,999 due, completing between $558 and $868 effective. Tasca Hyundai in Auburn prints payment floors only, about $609 for a Tucson, $531 for a Santa Fe, and $377 for an Elantra, on 24-month terms with down-payment-only disclosures; every floor sits above the effective costs in the tables above, and none can be completed from what the store publishes. Balise Hyundai's specials page was empty for updating when read. The full regional picture, Hyundai included, is in the market-wide November read, and the November lease hub carries the Quirk Hyundai board in full. Every offer ends November 30, 2026.
How we got these numbers, and who is talking. Every figure on this page was printed on the dealer's own website, or in the dealer's own specials system where the site itself is broken, on November 9 or 10, 2026. We do not use aggregator pricing as any dealer's offer, and we did not call stores for unpublished numbers. Offers end November 30, 2026 unless a different date is printed on the card, and dealers change boards mid-month, so the live page at the store always wins. CarThrive is published by Sean Western, who also leads marketing for Quirk Auto Dealers. Quirk's offers are graded and priced on the same rules as everyone else's on this page, including the rows Quirk loses.