EV Leases Under $200/Month Post-Tax Credit: Finding the Best December 2025 Deals

So, the big federal tax credit for buying or leasing an electric car is gone. Poof. It disappeared at the end of September. Automakers are trying to make up for it with their own deals, but it's a mixed bag out there. Some are really stepping up, while others... not so much. We're looking at December 2025, and 2025 models are flying off the lots. This might be your last chance to grab a year-end EV lease deal. We're talking about EV leases under $200/month post-tax credit: Deals or desperation? Let's see what's actually available.

Key Takeaways

• The $7,500 federal tax credit for EVs has ended, but automakers are offering their own incentives to keep sales up.

• Some manufacturers, like Hyundai, are still offering lease deals under $200 per month after accounting for incentives.

• Deals can vary significantly by region and dealership, so it's important to shop around.

• Year-end clearout deals on 2025 models are common as 2026 models become available.

• While some leases are very attractive, it's worth comparing them to purchase options and considering used EVs as well.

1. Hyundai IONIQ 6

Hyundai's IONIQ 6 is still a really solid choice if you're looking for a lease deal under $200 a month, especially with the current incentives. The SE Standard Range model is advertised from $189 per month for 24 months with $3,999 due at signing. This offer, which includes 12,000 miles per year, is a regional deal, often found in California, and it's good until early January. It's pretty impressive considering the car's features and range.

When you break down the costs, the effective monthly payment for this IONIQ 6 lease comes out to around $356. What makes this deal stand out is the significant lease cash available, reportedly around $13,000, which isn't something you see on every lease offer. It's a big chunk of change that really brings down the overall cost.

For those who might want a bit more, the SEL trim is also available for lease. It's priced at $239 per month with the same $3,999 due at signing. While its MSRP is higher, the monthly lease cost only increases by about $50. This makes it a more attractive option if you're looking for more features without a huge jump in your monthly payment.

Here's a quick look at what you can expect:

• SE Standard Range: Lease from $189/month (24 months, $3,999 due, 12,000 miles/year).

• SEL RWD/AWD: Lease from $239/$279 per month (24 months, $3,999 due, 12,000 miles/year).

• Limited RWD/AWD: Lease from $279/$319 per month (24 months, $3,999 due, 12,000 miles/year).

Keep in mind that the Standard Range model offers about 240 miles of range, while other trims can go up to 342 miles on a full charge. So, you're trading a bit of range for that lower monthly price on the base model.

Lease deals like this are often regional and can change quickly. It's always a good idea to check with your local dealership to see what offers are available in your specific area and if they match these advertised prices. Don't forget to factor in any potential taxes or fees that might not be included in the advertised monthly payment.

2. Hyundai IONIQ 5

The Hyundai IONIQ 5 continues to be a strong contender for those looking for a stylish and practical electric SUV, especially with some attractive lease deals popping up. It's a great option if you want a good-looking EV with a spacious interior and fast charging capabilities.

For December 2025, you might find the 2025 IONIQ 5 SE Standard Range RWD available for lease starting around $189 per month. This usually comes with a 36-month term and a down payment of about $3,999. Keep in mind that these deals can be regional, often centered around areas like California, and mileage limits are typically around 10,000 miles per year.

Here's a general idea of what to expect with some of the 2025 IONIQ 5 trims:

• SE Standard Range RWD: Often the most affordable, offering a good balance of features and price.

• SEL RWD/AWD: Stepping up in features, these trims might cost a bit more per month but add more comfort and tech.

• XRT: This trim usually offers a more rugged look and might come with slightly different lease terms.

It's worth noting that Hyundai sometimes sweetens these deals with bonus cash or special financing rates, which can lower the overall cost of leasing. Always check the fine print for any specific offers in your area.

When looking at these lease numbers, remember to calculate the effective monthly cost. This includes the down payment spread out over the lease term. A lower advertised monthly payment with a high down payment might not always be the best deal in the long run.

3. Tesla Model 3

The Tesla Model 3 continues to be a popular choice for electric vehicle shoppers, and for good reason. It offers a good mix of range, performance, and tech, all wrapped up in that distinctive Tesla package. When it comes to leasing, especially with the goal of staying under $200 a month post-tax credit, the Model 3 can be a bit tricky, but deals do pop up.

Finding a Model 3 lease under $200 requires a keen eye for specific offers and potentially a bit of negotiation. While the sticker prices for leases might start a bit higher, incentives and regional deals can bring that monthly payment down significantly. It's worth checking Tesla's website regularly, as they sometimes have inventory specials or specific lease deals that aren't always advertised broadly. Remember, these deals can change quickly, so staying updated is key.

Here's a general idea of what you might see for a Tesla Model 3 lease, keeping in mind that actual pricing depends heavily on your location, the specific trim, and current incentives:

Trim Level	Monthly Payment (Est.)	Due at Signing (Est.)	Lease Term
Rear-Wheel Drive	$299	$1,500	36 months
Long Range AWD	$429	$1,500	36 months
Performance AWD	$699	$1,500	36 months

Keep in mind that these are starting points and don't always factor in the full impact of tax credits or potential dealer markdowns. The goal is to get that final number, after all credits are applied, below the $200 mark. It's not always straightforward, but it's definitely achievable with the right approach.

When looking at EV leases, especially for a popular model like the Tesla Model 3, it's important to remember that the advertised price is often just the beginning. Factors like your credit score, the specific dealer's inventory, and any regional incentives can all play a role in the final monthly payment. Don't be afraid to shop around and compare offers from different dealerships or even directly from the manufacturer's website.

Beyond the monthly payment, consider the total cost of leasing. This includes the down payment, any fees, and the residual value of the car at the end of the lease term. For those looking for a solid electric sedan that's relatively affordable to lease, the Model 3 is a strong contender. You might also want to explore other options in this price range, like the Toyota Corolla if the Model 3 deals don't quite line up.

4. Tesla Model Y

The Tesla Model Y continues to be a really popular choice for families and anyone needing a bit more space than a sedan. It’s a crossover that feels pretty zippy to drive, and honestly, it’s got that Tesla tech that people love.

When it comes to December 2025 deals, the Model Y is looking pretty solid, especially if you're eyeing a lease. You can find lease offers that keep you under that $200/month target after considering incentives, though it might require a bit of searching for specific inventory or promotions.

Here’s a quick look at some potential lease structures:

• Premium RWD: Often available with lease terms around 36 months. Expect monthly payments in the mid-$400s with $0 down, but keep an eye out for special programs that could bring that down further.

• Premium AWD: Similar 36-month terms, usually a bit higher monthly, maybe in the high $400s with no money down. Again, incentives are key here.

It's worth noting that the federal commercial tax credit, which can be applied to leases, is a big deal. This credit helps financial institutions lower the cost of your lease, making those monthly payments more manageable. California drivers, for example, have seen significant benefits from this federal tax credit.

Remember that lease deals can change quickly, and the advertised prices often don't include taxes, fees, or registration. Always check the fine print and get a personalized quote from your local dealer. Sometimes, looking at specific inventory or end-of-quarter sales can yield the best results.

While the base lease prices might hover slightly above the $200 mark before factoring in all potential savings, the Model Y remains a strong contender. Keep an eye on Tesla's website for the latest electric car deals and any limited-time offers that might pop up this month.

5. Toyota bZ4X

The Toyota bZ4X is a solid contender in the electric SUV market, and for December 2025, it's looking even more attractive for budget-conscious buyers. While it might not have the flashiest tech or the absolute longest range compared to some rivals, it offers a dependable and practical EV experience. The base FWD XLE trim is where you'll find its best range, making it a good choice for daily commutes and longer trips.

When looking at lease deals, the bZ4X presents some interesting options. Keep in mind that lease terms can vary wildly depending on your location and the specific dealer, so always do your homework.

Here's a general idea of what to expect:

• Monthly Payment: Aiming for under $200 post-tax credit is the goal, and while the bZ4X might hover slightly above this for some deals, it's worth investigating.

• Down Payment: Look for deals with lower upfront costs to keep your total out-of-pocket expenses down.

• Lease Term: Most deals are around 36 months, but shorter or longer terms might be available.

• Mileage Allowance: Ensure the included mileage meets your typical driving needs.

Toyota has been known for its reliability, and the bZ4X is no exception. It's built with everyday use in mind, offering a comfortable ride and enough space for families or cargo. While its charging speed isn't class-leading, it's perfectly adequate for overnight charging at home or topping up during longer journeys. Finding these kinds of deals can feel like searching for a needle in a haystack, but they are out there, especially as manufacturers push to clear out inventory. You can find some great electric vehicle lease deals this month that are surprisingly affordable [eee9].

The bZ4X is a sensible choice for those prioritizing practicality and Toyota's reputation for reliability in an electric package. It might not be the most exciting EV on the block, but it gets the job done without breaking the bank, especially when lease incentives align.

6. VinFast VF8

VinFast is still a newer player in the EV market, but they're making some noise with their lease deals. The 2025 VinFast VF8 is definitely worth a look if you're trying to keep your monthly payments low. This electric SUV is currently available with some pretty attractive lease terms.

Right now, you can lease a 2025 VinFast VF8 for around $279 per month. That deal usually comes with a similar amount due at signing, so it's a pretty straightforward offer. Plus, there's a 0% APR option for up to 84 months, which is a really long time to finance, and it includes $7,500 in bonus cash. That's a lot of incentives to consider.

Here's a quick look at what you might find:

• Monthly Payment: Around $279/month

• Lease Term: Typically 24 months

• Due at Signing: Often matches the monthly payment

• Financing APR: 0% for up to 84 months

• Bonus Cash: Up to $7,500

It's also worth checking if your local electric company offers any extra perks. For instance, some utility companies, like OUC, might give you up to $200 back through a rebate offer if you lease an EV like the VF8. It pays to do a little digging to see what local incentives are out there.

VinFast is trying to get its vehicles into more driveways, and that means some competitive pricing on leases. The VF8 offers a decent amount of space and features for the money, especially when you factor in the low monthly costs and long-term financing options. It's a good way to get into an electric SUV without breaking the bank.

Keep in mind that lease deals can change quickly, especially as we get closer to the end of the year. So, if the VF8 catches your eye, it's a good idea to reach out to a VinFast dealer soon to get the most up-to-date information on their current offers. You might be surprised at how affordable it can be to drive an electric vehicle. You can find more details about the 2025 VinFast VF8 Eco on their website.

7. Volkswagen ID.4

Volkswagen's ID.4 is still a solid contender in the electric SUV space, and December 2025 looks like a good time to snag one. The brand is offering some pretty attractive financing and bonus cash deals that can bring the monthly cost down significantly.

Right now, you can find a 2025 ID.4 with 0% APR for a whopping 72 months. That's a huge saving over the life of the loan. On top of that, there's a $5,000 bonus cash offer available. When you combine these incentives, especially with a good down payment, you might just find yourself under that $200 monthly target, depending on your specific lease terms and dealer.

Here's a quick look at what makes the ID.4 a decent choice:

• Spacious Interior: Plenty of room for passengers and cargo, making it practical for families.

• Comfortable Ride: It generally offers a smooth and quiet driving experience.

• User-Friendly Tech: The infotainment system is pretty straightforward, though some find the touch controls a bit finicky.

• Decent Range: Most ID.4 models offer enough range for daily commutes and even longer road trips.

While the ID.4 might not have the flashiest interior or the longest range in its class, its combination of practicality, comfort, and these current financial incentives makes it a compelling option for budget-conscious EV shoppers this December. It's definitely worth checking out if you're looking for a well-rounded electric SUV that won't break the bank.

Remember to talk to your local dealer about how these offers can be applied to a lease. The exact monthly payment will depend on the trim level, lease duration, mileage allowance, and your down payment. But with these kinds of deals, the ID.4 is a strong candidate for hitting that sub-$200 mark.

8. Volvo EX30

Okay, so Volvo's EX30 is a pretty neat little electric SUV. It's definitely on the smaller side, which is great for zipping around town and parking, but maybe not ideal if you're hauling a big family or tons of gear regularly. This is one of the more affordable electric options out there, especially when you consider it's a Volvo.

When it comes to leasing, Volvo's been offering some decent deals, and the EX30 is no exception. For December 2025, you might find a lease that fits that under-$200-a-month sweet spot, especially if you can snag some extra incentives or a good dealer discount. Keep in mind that the initial payment due at signing can really change the monthly cost, so always check that number.

Here's a general idea of what lease terms might look like, though actual numbers will vary:

Lease Term	Monthly Payment (Est.)	Due at Signing (Est.)
36 months	~$199	~$3,300

It's important to remember that these figures are estimates. The actual price you get will depend on your credit score, the specific dealership, any current promotions, and the exact configuration of the EX30 you choose. Volvo also sometimes offers special financing rates, like low APRs, which can make buying outright more appealing, but for leasing, we're focused on that monthly payment.

The EX30 is Volvo's smallest SUV to date, and it's packed with tech and safety features that you'd expect from the brand. It's designed to be efficient and fun to drive, making it a strong contender in the compact EV market. The interior is minimalist but modern, focusing on a large central touchscreen for most controls.

When you're looking for a deal, here are a few things to keep in mind:

• Timing is Everything: End-of-year sales, like those happening in December, often mean dealerships are eager to move inventory. This is your prime time to negotiate.

• Location, Location, Location: Lease deals can differ significantly from one region to another. Don't be afraid to contact dealerships in different areas if you're willing to travel a bit.

• Incentives Matter: Look for any manufacturer rebates, holiday allowances, or regional tax credits that might apply. These can significantly lower your out-of-pocket costs.

• Read the Fine Print: Always understand what's included in the lease – mileage limits, wear-and-tear policies, and any fees associated with early termination.

9. BMW i4

It's pretty wild that the BMW i4 is still hitting the market with lease deals that feel like they belong to a different time, specifically when the federal tax credits were more of a sure thing. This luxury electric sedan is proving that you don't always need to break the bank to get into a premium EV. For December 2025, you might find offers around $399 per month for 36 months, with about $4,999 due at signing. Keep in mind that these deals can change based on your location, so it's always a good idea to check with local dealerships.

Here's a quick look at what you might expect:

• Monthly Payment: Around $399

• Lease Term: 36 months

• Due at Signing: Approximately $4,999

• Mileage Allowance: Typically 10,000 miles per year

When you factor in the lease credit and potential loyalty discounts for returning BMW lessees, the effective monthly cost can dip even lower, making it a surprisingly accessible option. It's a smart move if you're looking for that blend of performance and luxury without the hefty price tag. You can explore current offers on the 2025 BMW i4 to see if it fits your budget.

The i4's ability to maintain such competitive lease pricing, even as the market shifts, speaks volumes about BMW's strategy to make its electric offerings more attainable. It’s a strong contender for anyone wanting a sporty, well-equipped electric car.

Don't forget to compare offers from different dealers, as pricing can vary. Sometimes, reaching out to a dealer via phone or email before visiting can save you a lot of time and hassle. It's all about finding that sweet spot where luxury meets affordability in the electric vehicle space.

10. Cadillac Optiq

Cadillac is really trying to make a splash in the EV market, and the Optiq is one of their newer attempts. It's a smaller, more affordable option compared to the Lyriq or Escalade IQ, which is good news for anyone looking to keep their monthly payments down. The Optiq aims to be a stylish and practical electric SUV for city dwellers.

When you look at the numbers for December 2025, the Optiq lease deal is pretty interesting. You're looking at around $319 a month for a 24-month lease, with about $4,969 due at signing. That's not bad, especially considering it's a Cadillac.

Here's a quick breakdown of what you might expect:

• Monthly Payment: Approximately $319

• Lease Term: 24 months

• Due at Signing: Around $4,969

• APR: 2.9% for 60 months (this is for financing, not the lease itself, but good to know)

• Cash Allowance: $2,000

• Conquest Discount: An additional $2,000 if you're coming from a rival brand, which could bring that down-payment number even lower.

It's worth noting that the "due at signing" amount can include the first month's payment, acquisition fees, taxes, and other dealer charges. So, that $4,969 might cover more than just the initial payment.

The Cadillac Optiq is positioned as a more accessible entry into the luxury electric SUV segment. It blends modern design with the expected premium features, aiming to attract a younger demographic or those new to the EV space who still want a touch of luxury without a sky-high price tag. Its compact size makes it suitable for urban environments, while still offering enough space for daily needs.

If you're coming from another brand, definitely mention that conquest discount. It could shave a good chunk off your initial costs. Also, keep in mind that lease deals can change, and regional differences are a thing, so it's always best to check with your local Cadillac dealer for the most up-to-date information.

Wrapping It Up

So, even though that big federal tax credit for buying or leasing an EV is gone for now, it's not the end of the world for deal hunters. Automakers are still stepping up with their own offers, and as we've seen, you can still find some electric cars to lease for under $200 a month after taxes, especially if you look at models like the Hyundai IONIQ 6 or IONIQ 5. December is often a good time to buy because dealers want to clear out inventory before the year ends. Don't forget to check with local dealerships, as they might have special deals not advertised online. And hey, if you find an amazing deal we missed, let us know in the comments! Happy hunting for your next EV.

Frequently Asked Questions

What is an EV lease, and how does it work?

An EV lease is like renting a car for a set period, usually 2 to 4 years. You pay a monthly fee, and at the end of the lease, you return the car. It's a way to drive a new electric car without the commitment of buying one.

What does "post-tax credit" mean for EV leases?

This means that any government tax credits that help lower the price of electric cars have already been applied to the lease deal. It's like getting an extra discount before you even start paying monthly.

Are these deals available everywhere?

Not always. Lease deals can change depending on where you live. Some offers are specific to certain states or regions, so it's always best to check with your local dealerships.

What does "due at signing" mean?

This is the amount of money you pay upfront when you sign the lease agreement. It can include things like the first month's payment, a security deposit, and other fees. A lower "due at signing" amount means less money out of your pocket initially.

How can I find the best lease deals?

The best way is to shop around! Contact multiple dealerships, compare their offers, and don't be afraid to negotiate. Checking websites that track car deals can also give you a good starting point.

What happens at the end of a lease?

Typically, you have a few options: you can return the car, buy it for a set price, or lease a new one. You'll need to make sure the car is in good condition and doesn't have excessive mileage to avoid extra charges.

Are there any other costs involved besides the monthly payment?

Yes, besides the "due at signing" costs, you'll also have to pay for taxes, registration fees, and potentially a disposition fee when you turn the car in. Insurance is also your responsibility.

Can I lease a used EV?

While most of these deals focus on new cars, sometimes you can find good lease deals on used EVs. These might not be advertised as prominently, but it's worth asking dealerships if they have any certified pre-owned EV lease specials.