On November 9 and 10, 2026, we read the November lease specials at 68 dealerships across Massachusetts and New Hampshire. Forty of them publish a lease offer a shopper can actually price, 149 offers in all. This page puts the comparable ones on a single yardstick: effective monthly cost, which is the advertised payment times the term plus the amount due at signing, divided by the term. Taxes and registration are not included in any figure. The best number wins its row, whoever prints it. Where a dealer's own page contradicts itself, we print that too.

The scoreboard: best effective cost by model

Head to head on the models that show up on more than one board. The best effective cost wins the row, whoever prints it. Full tables by brand are below.

Toyota: seven dealers publish, and structure decides everything

Toyota is the most transparent brand in New England this month. Seven dealers print full lease cards, most of them built on the same national program, which makes the comparison clean: the payment is the program, the due at signing is the dealer. Herb Chambers Toyota of Boston wins the Corolla at $276/mo effective because its due is $2,995, a thousand less than the $3,999 and $4,999 cards elsewhere.

† Effective cost computed from the printed down payment or due figure as the dealer labels it. Where a dealer prints a down payment rather than a total due, first payment and fees may be additional. Also on these pages: Herb Chambers Toyota of Boston lists a Prius at $289/mo, a Tacoma at $199/mo and a RAV4 Hybrid at $329/mo (39 months); Toyota of Nashua lists a Tundra SR5 at $429/mo ($540 effective) and a Grand Highlander XLE at $489/mo ($600 effective) on the same $3,999 structure; Herb Chambers Toyota of Auburn lists a Tundra SR at $339/mo with $3,999 down.

Honda: the tie, and the store that beats it

Herb Chambers Honda in Boston prints both of its structures, money down and zero down, and they land in exactly the same place: the Accord is $292/mo either way, the Civic $304 or $303, the HR-V $334 either way. It is the same lesson as the Volkswagen table below, where zero down actually wins. Parkway Honda, the former Prime Honda in West Roxbury, beats both Civic numbers with a $189/mo card at $278/mo effective.

Herb Chambers Honda also lists a CR-V at $319/mo, a CR-V Hybrid at $338/mo and a Pilot at $470/mo for 36 months. Honda's other big New England stores publish nothing comparable: Boch's Norwood store, now Nucar Honda, had its offers page switched off for updating when we checked, and Honda Stratham lists 72 incentives without a single lease among them.

Hyundai: the Tucson goes to Concord by $6 a month

McGovern Hyundai, in Concord (the former Grappone store) and on Route 93 in Wilmington, advertises a 2026 Tucson SE AWD at $221/mo with $2,995 due, an effective cost of $304/mo. Quirk Hyundai's Tucson is a SEL Plus at $199/mo with $3,999 due, $310/mo effective. The headline shopper picks the $199; the effective-cost shopper picks McGovern by $6/mo, and gets the base trim and a 7,500 mile year for the privilege. Both numbers are on this page because that tradeoff is the entire point of doing the math. McGovern's Santa Fe undercuts the Quirk Hyundai SEL by $67/mo effective, same base-trim caveat, while the Elantra row flips: Quirk Hyundai's $145/mo SEL Sport completes at $256, under McGovern's $272. Every McGovern lease in this sweep is a 7,500 mile year; Quirk Hyundai's are 10,000.

The Brockton store, formerly Bernardi Hyundai, publishes the full IONIQ 9 ladder from $419 to $729 a month, all at $4,999 due. Tasca Hyundai in Auburn prints payment floors only, and every one of them sits above the effective costs in this table. Balise Hyundai's specials page was empty for updating, and AutoFair Hyundai's figures could not be verified to a model, so neither appears in the table.

Then there is Irwin Hyundai in Laconia, which prints the lowest payments in this entire sweep, $95 to $187 a month, by asking for $3,000 to $7,700 due at signing, most of it labeled cash or trade equity. Complete the math and its $98 Tucson costs $411/mo over 24 months, while Irwin's own zero-down version of the same car runs $336/mo over 36. At Irwin, the low headline is the expensive way to lease, and the fine print's own components for that Tucson add to $7,494 against a printed $7,500 due.

Kia: the tie holds, the Sportage does not

Herb Chambers Kia of Burlington prints two zero-down cards. Completing the math on both sides makes the K4 a genuine tie at about $290/mo effective, against Quirk Kia of Braintree's $188/mo card whose due is $3,000 plus fees and first payment. The Sportage gap survives the same treatment: $342/mo completed at Herb Chambers against about $373 in Braintree. Credit where due, in print.

Nobody in this table prints a complete total due at signing. Herb Chambers leads with zero down and adds the fees after; Quirk Kia prints the $3,000 and adds fees and first payment on top. We would rather every store printed a total. None of the four does.

Jeep, Dodge and Ram: the widest spread in New England

One brand, three pricing universes. McGovern CDJR runs the cheapest Wrangler in the region on effective cost, $332/mo, and a Ram Tradesman at $426/mo effective. Quirk Chrysler Jeep of Braintree prints the lowest Wrangler headline in New England, $215/mo, on a 42-month, 5,000-mile structure that completes at $351 (see the callout above). Planet CDJR in Franklin prints payments with no due figure at all, which is why its Willys shows a tempting $404/mo that cannot be graded. Imperial CDJR in Mendon publishes one complete Durango card, and it is expensive.

The McGovern figures were read from the group's Acton specials page, which carries the group's $595 doc fee; the Newton store's own page rendered no lease cards, so we credit the group rather than a single rooftop. The Braintree Wrangler requires SFS Lease Loyalty and runs 5,000 miles a year; its $499 doc fee is inside the Quirk price, and tax, title, registration and acquisition fee are not in the due figure.

Chevrolet: two boards print, and one keeps its expired homework up

Two Chevrolet stores in the sweep print a lease board a shopper can price. Banks Chevrolet in Concord takes the Silverado row on both headline and effective cost, on a shorter term and for current lessees only. Its Equinox is a dead tie with Quirk Chevrolet's at $379 against $380. The Trax row is not close: Quirk Chevrolet's $185/mo card completes at $259/mo effective, against $340 for Banks' Trax, and the Quirk card covers four units at the discount, on a 5,000 mile year. Two of Banks' three cards had already expired on November 4 when we read them on November 10, still displayed. McGovern Chevrolet of Arlington and Portsmouth Chevrolet render blank or figure-free specials pages.

Expired but displayed: the Banks Equinox and Trax cards above printed a November 4, 2026 expiry and were still on the page on November 10.

Ford: four boards, four philosophies

Portsmouth Ford wins on structure: a published $0 dealer fee, the lowest dues in the region, and a Bronco Sport at $355/mo effective. Colonial Ford in Plymouth wins the F-150 row the other way, with a $259/mo headline carried by $7,107 due at signing; Quirk Ford's $399/mo STX asks only $2,999 due and completes at $482, second in the row. The Maverick row goes to Quincy: $299/mo and $382/mo effective at Quirk Ford, against $396 at Colonial and $439 at AutoFair. Quincy also takes the Bronco Big Bend row at $472 effective, $35 under AutoFair's $507.

AutoFair's cards run to January 4, 2027 and cap mileage at 7,500 a year, which is how a $413/mo F-150 on 48 months still lands at $475 effective. Quirk Ford's cards are 7,500-mile leases too. Grappone Ford publishes APR offers only, and Tasca Ford's lease copy on its own site expired in the fall, so neither is priced here.

Subaru: four stores, four ways to print a lease

Exeter Subaru prints its payments inside its offer images, due and all, and wins the Crosstrek row at $325/mo effective. The Forester row belongs to AutoFair Subaru's Base at $356. Quirk Works Subaru in Braintree prints a three-lease board, every deal 36 months and 10,000 miles a year at $2,995 down, and every one requires trading in a 2012-or-newer vehicle; its Forester Sport completes at $382. Planet Subaru in Hanover is the most transparent store in this entire sweep about fees, with a page explaining its $598 doc fee, but its lease payments live in a site menu while the terms live on separate model pages, and its dues include Massachusetts taxes and fees, which inflates its effective cost against stores that quote before tax.

Exeter's Crosstrek card also contradicts itself, printed as valid through November 18 with a disclaimer requiring delivery by November 2. We use the figures as printed and flag the dates rather than choosing one. AutoFair Subaru's totals include its $695 documentation fee and a $650 acquisition fee, and its Impreza is the third exact tie in this sweep: $322/mo on effective cost whether the shopper puts $2,995 down or nothing at all.

Mazda: three stores publish, and the cheapest Mazda lease is a CX-30

Quirk Mazda in Quincy publishes a full lease board on its specials page, the only Massachusetts Mazda store in the sweep that does. Its CX-30 at $199/mo completes at $331, the cheapest Mazda lease in the region, its Mazda3 sedan completes at $325, and its CX-5 at $362 effective edges Werner Mazda's $372 for the same model. Grappone Mazda in Concord prints complete cards, doc fee disclosed in its disclaimers at $699. Werner Mazda in Manchester prints manufacturer lease offers on its showroom pages, with its $545 documentation fee published on its vehicle pages, though the showroom cards omit the mileage allowance and end date. Every Quirk Mazda lease is 36 months at 7,500 miles a year and ends November 30.

Volkswagen: one board in the whole region

We checked Wellesley Volkswagen, Kelly Volkswagen in Danvers, Minuteman Volkswagen in Bedford, AutoFair Volkswagen in Merrimack, Portsmouth Volkswagen and Rochester Volkswagen. Not one publishes a lease payment this month: bonus cash and APR offers only. One Volkswagen store in New England prints a board a shopper can price, Quirk Volkswagen of Braintree, and its strangest feature is that zero down beats money down on every row: the Tiguan S is $400/mo effective with $3,999 due, and $383 with nothing down but the $499 doc fee. If you sell Volkswagens in this region and exactly one store is showing its work, that is a choice worth reconsidering.

The fine print file

The most useful thing a sweep like this produces is not the winners. It is the list of places where a dealer's own page argues with itself. November's file:

Herb Chambers Toyota of Boston prints a Camry at $249/mo on the card and "$239 lease payment" in its own disclaimer. Portsmouth Ford's F-150 card prints a $399 payment, a first payment of $299, and components that sum to $2,031 against a printed $2,131 total; we used the printed total. Toyota of Keene prints 38 months in its Camry card image and 39 months in its disclaimer. Banks Chevrolet still displays two offers that expired November 4. Exeter Subaru's Crosstrek is valid through November 18 and, per its disclaimer, required delivery by November 2. And an earlier read of AutoFair Ford's page showed a completely different set of cards than the live page on November 10; we publish the live ones and note the change, because a specials page that moves between reads is exactly why we date everything. Irwin Hyundai's second Santa Fe listing pairs a heading that expires November 30, 2026 with fine print that expired December 31, 2025. Quirk Mazda's CX-70 card advertises a 2025 model year while its own disclaimer prices a 2026.

What the doc fee does to the deal

Every store in this sweep charges a documentation or administration fee, and the spread is the whole ballgame on close calls. Portsmouth Ford publishes $0. Two groups print $499: Herb Chambers and Quirk. The regional middle is $595 to $599. The top of the market is $799.

We grade every one of these stores on fee transparency, all year, on the same evidence standard. See the dealer fee grades for the full New England scoreboard, and the November lease hub for the six Quirk boards in full, including the Tucson, Volkswagen and Wrangler deep dives.