Acura just released its February 2026 lease programs and there's a clear standout: the 2025 RDX at 1.5% APR. We analyzed 408 lease configurations across every 2025 and 2026 Acura model to rank every deal from best to worst—so you know exactly which Acuras to target and which to avoid this month.
The headline: the 2025 RDX has the lowest lease rate of any luxury SUV in America. Meanwhile, the brand-new ADX launches with 3.5% APR and $6,750 in stacked incentives. Several models got dramatically better rates for 2026—but a few are traps you should avoid entirely.
1.5%
RDX APR
Lowest luxury SUV
6
Models Analyzed
408 configs
$7.8K
Max Incentives
Integra & MDX
Mar 1
Programs Expire
Most incentives
How We Rank
Ranking considers APR, residual value, incentive depth, and overall lease economics. All rates shown are the Special Lease Rate from Acura Financial Services at 36 months.
The Rankings: Best to Worst
2025 Acura RDX
All trims: SH-AWD, Technology, A-Spec, Advance, A-Spec Advance
Money Factor
0.00062
1.5% APR
Residual
58%
36mo / 10K
Incentives
$3,250
Max savings
The best luxury SUV lease deal in America. 1.5% APR across every single trim—base to top-spec A-Spec Advance. For context, the average luxury SUV lease rate is 5–7%. Acura is offering nearly 5× cheaper financing. Standard rate is 6.7%, so make absolutely sure you get the Special rate. The $2K Conquest/Loyalty is easy to qualify for if you own any luxury brand or are a returning Acura lessee.
Why the 2025 RDX Is Special
At MF 0.00062, the rent charge on a $45K RDX is just $28/month. Compare that to the Standard rate (0.0028 = $126/mo) and you're saving nearly $100/month on interest alone. The 2026 RDX (only A-Spec Package available so far) jumped to 0.00147—still decent, but more than double. If you want an RDX, the 2025 is the play.
2025 Acura ADX
FWD & AWD: Base, A-Spec, A-Spec Advance
Money Factor
0.00144
3.5% APR
Residual
62%
36mo / 10K
Incentives
$6,750
Max savings
Acura's brand-new compact crossover launches with aggressive pricing. 3.5% APR beats most competitors, and the incentive stack is deep: $1K Sales Credit available to everyone, $2K AFS Conquest/Loyalty, plus a unique $1.5K 'Allegiance Loyalty' for existing Acura owners. That's up to $5.5K off before Military/College. Residual holds strong at 62% for the base AWD.
ADX Incentive Stacking: What's Unique
The ADX has two separate loyalty programs: AFS Loyalty ($2,000) for existing Acura Financial Services lessees, and Allegiance Loyalty ($1,500) for any Acura owner—even if you bought/financed elsewhere. Check if you qualify for both. The Conquest offer ($2,000) is an alternative for those switching from another brand. You get whichever combination applies, but Conquest and AFS Loyalty are typically mutually exclusive.
2026 Acura RDX
SH-AWD w/A-Spec Package (only trim available)
Money Factor
0.00147
3.5% APR
Residual
59%
36mo / 10K
Incentives
$2,500
Max savings
The 2026 RDX has a special rate of 3.5% APR—solid for a luxury SUV, but more than double the 2025's 1.5%. Only the A-Spec Package trim is in the data so far. Incentives are thinner ($2,500 max vs $5,250 for the 2025). If 2025 inventory is gone in your area, this is still a competitive lease—just not the screaming deal the outgoing model is.
2025 Acura TLX
FWD Technology & SH-AWD A-Spec
Money Factor
0.00173
4.2% APR
Residual
54%
36mo / 10K
Incentives
$5,750
Max savings
The TLX is 2025-only in the data—no 2026 programs yet—which means clearance pricing. 4.2% APR is below average for a luxury sport sedan. The $2.5K Captive Lease offer (available to everyone who leases through AFS) is the highlight, stacking with $2K Conquest/Loyalty. That's $4.5K off before negotiating—strong for a ~$40–44K sedan.
TLX Residual Warning
At 52–54% residual (36mo/10K), the TLX depreciates more than the RDX or ADX. This is typical for sedans in the SUV-dominated market. It doesn't make the TLX a bad lease—the incentive stack compensates—but don't plan to buy it out at lease end. The residual-based buyout will likely exceed market value.
2026 Acura Integra
CVT, A-Spec, A-Spec Technology (Manual/Type S not in 2026 data)
Money Factor
0.00181
4.3% APR
Residual
62%
36mo / 10K
Incentives
$7,750
Max savings
The 2026 Integra is a massive upgrade from the 2025: APR dropped from 6.7% to 4.3%, residual jumped from 57% to 62%, and incentives exploded from $1,250 to $7,750. That $7,750 max stack on a ~$33–37K car is 20–23% of MSRP in discounts. The Integra is suddenly a competitive lease—just make sure you get the 2026, not the leftover 2025.
Integra 2025 → 2026: Night and Day
The 2025 Integra has no special lease rate—you're stuck at 6.7% APR (standard) with only $1,250 in incentives (Military + College only). The 2026 gets a Special rate of 4.3%, a $1K Sales Credit, $2K Conquest/Loyalty, $1K Allegiance Loyalty, and a $500 Captive Lease bonus. Switch from 2025 → 2026 and you save roughly $150–200/month on the same car.
2026 Acura MDX
FWD, SH-AWD: Base through A-Spec Advance (Type S excluded)
Money Factor
0.00191
4.6% APR
Residual
60%
36mo / 10K
Incentives
$7,750
Max savings
The 2026 MDX is dramatically better than the 2025 for leasing. APR dropped from 6.7% to 4.6%, residuals improved by 4–6 points, and the incentive stack grew from $1,250 to $7,750. New FWD base and base SH-AWD trims appeared, expanding selection. At $50K+ MSRP, the $7,750 in rebates is meaningful—roughly 15% off before dealer discount.
MDX Type S: Do NOT Lease
The MDX Type S SH-AWD gets zero special rate in either model year. You're paying 9.1% on 24-month or 6.7% on 36-month terms—the full Standard rate with no discount whatsoever. On a ~$62K vehicle, that's $140+/month in rent charges alone. The Type S also gets no Captive Lease offer, no Allegiance Loyalty (in 2025), and no Sales Credit. If you want the Type S, finance it—don't lease it.
The Avoid Tier: 2025 Integra & 2025 MDX
2025 Acura Integra
CVT, A-Spec, A-Spec Tech, Manual, Type S
Money Factor
0.0028
6.7% APR
Residual
57%
36mo / 10K
Incentives
$1,250
Mil + College only
No Special Lease Rate. No Sales Credit. No Conquest/Loyalty cash. Just $750 Military and $500 College Grad—that's it. The 2026 Integra is cheaper to lease in every way. There is zero reason to lease a 2025 Integra in February 2026.
2025 Acura MDX
All trims including Type S
Money Factor
0.0028
6.7% APR
Residual
54%
36mo / 10K
Incentives
$1,250
Mil + College only
Same story as the 2025 Integra: no Special rate, no cash incentives beyond Military/College. The 2026 MDX is a better lease by every metric—lower APR (4.6% vs 6.7%), higher residual (60% vs 54%), and $7,750 in incentives vs $1,250. The spread is roughly $200/month cheaper on the 2026.
2025 vs 2026: Side-by-Side Comparison
Unlike Honda—where most 2025 models are better deals—Acura is split. Some models are dramatically better in 2025, others in 2026. Here's the full picture at 36 months / 10,000 miles:
| Model | 2025 APR | 2026 APR | 2025 Res. | 2026 Res. | Better Year |
|---|---|---|---|---|---|
| RDX | 1.5% | 3.5% | 55–58% | 56–59% | 2025 🏆 |
| ADX | 3.5% | — | 59–62% | — | 2025 only |
| TLX | 4.2% | — | 52–54% | — | 2025 only |
| Integra | 6.7% | 4.3% | 56–57% | 60–62% | 2026 🏆 |
| MDX | 6.7% | 4.6% | 51–54% | 55–60% | 2026 🏆 |
Residual ranges shown for base trim through top non-Type-S trim at 36mo/10K. APR = Special Lease Rate where available; if no Special rate exists, the Standard rate is shown.
The Pattern
RDX, ADX, TLX → Get the 2025 (better rates and/or clearance incentives).
Integra, MDX → Get the 2026 (dramatically improved programs).
MDX Type S → Don't lease at all (no special rate in either year).
Term & Mileage Strategy
Acura's rate structure has an important quirk you need to know about:
The 39-Month Trap
On every Acura model, the Special Lease Rate disappears at 39 months. You fall back to the Standard rate:
24 months
Special Rate ✓
36 months
Special Rate ✓
39 months
Standard Rate only ✗
The RDX jumps from 1.5% → 6.7% at 39 months. The ADX from 3.5% → 6.7%. There's no scenario where 39 months makes sense. Stick to 36 months for the best balance of payment and flexibility, or 24 months if you want shorter commitment.
Mileage Impact on Residuals
Acura drops residual ~1% per mileage tier increase. For the 2025 RDX SH-AWD at 36 months:
7,500 mi
59%
10,000 mi
58%
12,000 mi
57%
15,000 mi
55%
10,000 miles/year is the sweet spot for most drivers. Going from 10K → 15K costs ~3% residual (~$1,350 in value on a $45K MSRP), but that's cheaper than per-mile overage charges at lease end.
Expiration Dates: What Disappears When
| Incentive | Expiration | Urgency |
|---|---|---|
| One-Pay Lease Rate discount (−0.0008 MF) | March 1 | 14 days |
| Special Lease Rates (all models) | March 1 | 14 days |
| Conquest / Loyalty / Allegiance cash | March 2 | 15 days |
| Sales Credits (ADX, Integra) | March 2 | 15 days |
| Captive Lease Offers (TLX, MDX, Integra, RDX 2026) | March 2 | 15 days |
| Military Appreciation Offer ($750) | March 31 | 44 days |
| College Graduate Bonus ($500) | March 31 | 44 days |
Critical Deadline: March 1st
The Special Lease Rates that make the RDX (1.5%), ADX (3.5%), TLX (4.2%), Integra (4.3%), and MDX (4.6%) attractive all expire March 1, 2026. After that, you're back to the Standard rate of 6.7–9.1% APR. That's the difference between a great deal and a bad deal. New programs may or may not carry forward in March—there's no guarantee.
Acura vs Honda: Same Parent, Very Different Deals
Honda and Acura share a parent company and use the same captive finance arm (Honda Financial Services / Acura Financial Services). But the lease programs are structured very differently this month:
| Matchup | APR | Max Cash | Value Pick |
|---|---|---|---|
| Honda Prologue EV vs Acura RDX | 0.9% vs 1.5% | $22.5K vs $5.3K | Prologue |
| Honda HR-V vs Acura ADX | 5.5% vs 3.5% | $3.3K vs $6.8K | ADX |
| Honda Civic vs Acura Integra | 5.3% vs 4.3% | $2.8K vs $7.8K | Integra '26 |
| Honda Pilot vs Acura MDX | 3.8% vs 4.6% | $3.5K vs $7.8K | Toss-up |
Honda APR and incentive data from our February 2026 Honda Lease Deals analysis. Acura data from this article. Both based on 36mo/10K Special Lease Rates.
The surprise: in several matchups, the Acura is actually the better lease value despite the higher MSRP. The 2026 Integra with $7,750 in incentives on a ~$34K car is a better deal than the Civic at 5.3% APR with only $2,800. The ADX at 3.5% beats the HR-V at 5.5% by a wide margin. Luxury doesn't always mean more expensive—at least not this month.
Watch Out For These Dealer Tricks
Standard Rate Swap (Most Common)
Acura's Standard rate is 0.0038 (9.1% APR) on 24-month and 0.0028 (6.7% APR) on 36-month terms. Dealers can use either rate. On the RDX, the difference between Special (0.00062) and Standard (0.0028) is $98/month on a $45K vehicle. Always ask: "What's my money factor?" and verify it matches the Special rate for your model.
Missing Loyalty/Conquest Cash
Acura has three separate loyalty programs: AFS Loyalty (existing Acura Financial lessee), Allegiance Loyalty (any Acura owner), and Conquest (switching from another brand). Dealers don't always volunteer these. Ask: "Which loyalty or conquest programs am I eligible for?" and bring proof of your current vehicle registration.
The 2025 Integra/MDX Pitch
Dealers with leftover 2025 Integras and MDXs may try to push them as "deals" because they're prior model year. Don't fall for it. The 2025 versions of both models have no special lease rate and minimal incentives. The 2026 models are cheaper to lease by $150–200/month despite being newer.
Acquisition Fee Padding
Acura Financial Services charges a ~$695 acquisition fee. This is standard and non-negotiable. But some dealers add "dealer fees" or "processing charges" on top. The acquisition fee should appear once on the lease worksheet. If you see multiple fees beyond doc fee + acquisition, push back.
Bottom Line: What to Do This Month
Lease the 2025 RDX if you want a luxury compact SUV. 1.5% APR is historic. Won't last past March 1.
Consider the 2025 ADX for a smaller luxury crossover. 3.5% APR + $6,750 incentives make this new model's launch pricing very aggressive.
Get the 2026 Integra—not the 2025. The rate and incentive improvement makes the '26 dramatically cheaper despite being newer.
Get the 2026 MDX (non-Type S) if you need a 3-row luxury SUV. 4.6% APR + $7,750 incentives make the 2026 a real deal.
The 2025 TLX is a solid clearance pick at 4.2% + $5,750 in cash—but only if you specifically want a sport sedan.
Skip the 2025 Integra, 2025 MDX, and MDX Type S. No special rates, minimal incentives. Bad deals.
Never accept 39-month terms on any Acura. The Special Rate vanishes and you pay 6.7–9.1% instead.
Data & Methodology
Lease programs sourced from Acura Financial Services rate sheets effective February 2026 for the Northeast region. We analyzed 408 configurations across 6 models covering 24-, 36-, and 39-month terms at 7,500 / 10,000 / 12,000 / 15,000 miles per year. Rates, residuals, and incentives may vary by region. Money Factor × 2,400 = APR equivalent. Data extracted February 10–14, 2026.
Got an Acura Lease Quote? Let Us Check It.
Dealers swap Standard rates for Special rates, miss incentives, and pad fees. Upload your quote and we'll catch it instantly:
- Verify your money factor matches the Special rate (not Standard 6.7–9.1%)
- Confirm all eligible Conquest, Loyalty, and Allegiance cash is applied
- Flag junk fees and unnecessary dealer add-ons
- Get a 0-100 deal score with specific improvement suggestions
