Ford Lease Deals July 2026: Every Model Ranked
Ford July 2026 lease programs: a model-year closeout blowout where almost the entire lineup got cheaper. The Escape reverses June completely, with non-conditional cash jumping from $3,000 to $8,000 on gas trims and $5,000 to $13,000 on the PHEV (PHEV FWD ~$280/mo, down $238). The Explorer fell to 3.26% APR (from 5.50%), the Mach-E to 2.90%, and the Mustang EcoBoost to 2.69%. The Raptor and old penalty-box F-150 cabs dropped to 4.34% APR. Only the Maverick and Expedition held at 7.39% APR.
Ford flipped the script in July. It is a model-year closeout, and the cash is everywhere. The Escape reverses June's collapse completely: Ford piled on $8,000 of closeout cash on the gas trims and $13,000 on the PHEV, so the PHEV FWD now leases near ~$280/month, down $238. The rate is still 7.39%, but the cash buries it.
Almost the entire lineup got cheaper. The Explorer fell to 3.26% APR (down from 5.50%), the Mach-E to 2.90%, and the Mustang EcoBoost to 2.69%, the best rate in the lineup. Even the Raptor and the F-150's old penalty-box cabs dropped to 4.34%. Two models did not move: the Maverick and Expedition are the last holdouts, still 7.39% APR with no cash.
~$280
Escape PHEV / mo
$13,000 closeout cash, down $238
3.26%
Explorer APR
MF 0.00136, down from 5.50%
2.69%
Mustang EcoBoost APR
Best rate in lineup, $500 cash back
7.39%
Maverick & Expedition
The last holdouts, no cash, unchanged
July 2026 Ford Lineup: Rate Map
This is the widest Ford program move in months. Nearly every 2026 model got cheaper, most from lower money factors, the Escape from a pile of closeout cash. Read the last column: it shows the July payment move. The only two lines that held are the Maverick and the Expedition, both stuck at 7.39% APR with no cash.
| Model | MF (36mo) | APR | RV Range | Cash | July vs June |
|---|---|---|---|---|---|
| Mustang | 0.00112 | 2.69% | 55-58% | $500 | EcoBoost down, GT up |
| Mustang Mach-E | 0.00121 | 2.90% | 49-52% | $2,500 | Down $22-70 |
| Explorer | 0.00136 | 3.26% | 61-65% | $1,500 | Down $72-100 |
| Bronco Sport | 0.00142 | 3.41% | 55-59% | None | Down $6-7 |
| Bronco | 0.00229 | 5.50% | 62-70% | $500 | Down $44-50 |
| Ranger | 0.00215 | 5.16% | 65% | $500 | Down $65 |
| F-150 (SuperCrew) | 0.00181-0.00239 | 4.34-5.74% | 58-65% | $1,500-2,500 | Flat, Raptor down $183 |
| Escape | 0.00308 | 7.39% | 47-52% | $8,000 / $13K PHEV | Down $90-238 |
| Maverick | 0.00308 | 7.39% | 65% | None | Unchanged |
| Expedition / Max | 0.00308 | 7.39% | 59% | None | Unchanged |
MF x 2400 = approximate APR. 36mo/12K miles, Northeast region. Cash = base non-conditional incentive. Mustang Dark Horse holds 0.00294 (7.06% APR). Data: Ford Motor Credit, July 2026.
Verdict: Lineup
This is the month to lease a Ford. The Explorer, Mach-E, and Mustang EcoBoost all took big rate cuts, and the Escape is a closeout-cash deal. Skip only the Maverick and Expedition, the two lines that stayed at 7.39% with no support.
Escape: The Reversal, $8,000 to $13,000 Closeout Cash
Last month the Escape fell apart. This month it is one of the best deals in the lineup. The rate did not change, it is still MF 0.00308 (7.39% APR), but Ford stacked model-year closeout cash on top: $8,000 on the gas trims, $13,000 on the PHEV. The residual also dropped to 47%, yet the cash swamps it. The PHEV FWD now leases near ~$280/month, down $238, and the Active FWD is ~$337, down $94. Every trim fell $90 to $238.
| Trim (2026) | MSRP | MF (36mo) | RV (36/12K) | Cash | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| PHEV FWD (best value) | $35,400 | 0.00308 | 47% | $13,000 | ~$280 | -$238 |
| Active FWD | $30,350 | 0.00308 | 47% | $8,000 | ~$337 | -$94 |
| ST-Line FWD | $31,195 | 0.00308 | 47% | $8,000 | ~$354 | -$93 |
| Active AWD | $31,750 | 0.00308 | 47% | $8,000 | ~$364 | -$92 |
| ST-Line AWD | $32,595 | 0.00308 | 48% | $8,000 | ~$373 | -$90 |
| ST-Line Select AWD | $35,015 | 0.00308 | 52% | $8,000 | ~$384 | -$111 |
| ST-Line Elite AWD | $38,935 | 0.00308 | 52% | $8,000 | ~$455 | -$106 |
| Platinum AWD | $37,940 | 0.00308 | 50% | $8,000 | ~$455 | -$107 |
*Pre-tax, 36mo/12K miles, Northeast region. Closeout cash applied as cap cost reduction ($8,000 gas, $13,000 PHEV), all non-conditional. Data: Ford Motor Credit, July 2026.
Escape: June to July Change
Cash jumped $3,000 to $8,000 on the gas trims and $5,000 to $13,000 on the PHEV. Rate held at 7.39%, residual dropped to 47%. Active FWD ~$432 to ~$337, PHEV ~$518 to ~$280. Non-PHEV trims fell $90 to $111 a month, the PHEV fell $238.
Verdict: Escape
The PHEV FWD at ~$280/month is the deal of the month. The 7.39% rate does not matter when the cash is this large. Get the $8,000 or $13,000 confirmed in writing as a cap cost reduction, then sign. This cash is a closeout and will not last.
Explorer: 5.50% to 3.26% APR
The Explorer took the cleanest cut of the month. The money factor dropped from 0.00229 to MF 0.00136 (3.26% APR) across all 2026 trims, and the cash rose from $1,000 to $1,500. Every trim is $72 to $100 a month cheaper. The Active w/100A RWD at ~$427 is the entry point, and the 4WD trims still carry the best residuals in the lineup at 65%.
| Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| Active w/100A RWD | $38,465 | 0.00136 | 3.26% | 64% | ~$427 | -$72 |
| Active w/200A RWD | $40,585 | 0.00136 | 3.26% | 64% | ~$453 | -$76 |
| Active w/200A 4WD | $42,585 | 0.00136 | 3.26% | 65% | ~$466 | -$79 |
| ST-Line RWD | $45,155 | 0.00136 | 3.26% | 64% | ~$509 | -$83 |
| ST-Line 4WD | $47,155 | 0.00136 | 3.26% | 65% | ~$521 | -$86 |
| Tremor 4WD | $48,965 | 0.00136 | 3.26% | 65% | ~$542 | -$89 |
| Platinum RWD | $50,965 | 0.00136 | 3.26% | 61% | ~$620 | -$90 |
| Platinum 4WD | $52,965 | 0.00136 | 3.26% | 62% | ~$632 | -$93 |
| ST 4WD | $56,905 | 0.00136 | 3.26% | 63% | ~$667 | -$100 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP minus the $1,500 non-conditional cash. 2027 Explorer is arriving and is held out here. Data: Ford Motor Credit, July 2026.
Explorer: June to July Change
MF 0.00229 to 0.00136 (5.50% to 3.26% APR), cash $1,000 to $1,500. Active w/100A ~$499 to ~$427, ST 4WD ~$767 to ~$667. Down $72 to $100 a month on every trim.
Verdict: Explorer
The Active w/200A 4WD at ~$466/month, 65% residual, and 3.26% APR is the sweet spot and the best three-row lease at Ford this month. The rate cut makes the whole lineup worth a look.
Mustang Mach-E: 4.54% to 2.90% APR
The Mach-E finally has a rate worth leasing. The money factor dropped from 0.00189 to MF 0.00121 (2.90% APR), and the cash rose to $2,500. The Premium trims took the biggest hit, down $55 to $70 a month. The Select RWD is ~$531 and the GT AWD ~$783. Residuals slipped a point or two on the Select, but the rate cut more than covers it.
| Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| Select RWD | $37,795 | 0.00121 | 2.90% | 49% | ~$531 | -$22 |
| Select AWD | $39,840 | 0.00121 | 2.90% | 50% | ~$553 | -$23 |
| Premium RWD | $40,595 | 0.00121 | 2.90% | 51% | ~$554 | -$55 |
| Premium AWD | $42,640 | 0.00121 | 2.90% | 52% | ~$574 | -$57 |
| GT AWD | $55,440 | 0.00121 | 2.90% | 51% | ~$783 | -$70 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP minus $2,500 non-conditional cash. Data: Ford Motor Credit, July 2026.
Verdict: Mustang Mach-E
At 2.90% APR with $2,500 cash, the Mach-E is finally a real lease at 36 months, no more needing the 24-month workaround. The Premium RWD at ~$554 is the pick. Cross-shop the IONIQ 5 and Blazer EV, but the Mach-E now competes.
Mustang: Best Rate in the Lineup, GT Residual Cut
The Mustang EcoBoost holds the sharpest rate at Ford. The money factor dropped to MF 0.00112 (2.69% APR) and Ford added $500 cash back, so the EcoBoost Fastback is ~$424, down $32. The GT trims share the 2.69% rate, but their residual was cut from 62% to 58%, so the GT Fastback rose to ~$611, about $10 more. The Dark Horse eased to 7.06% but stays a finance car.
| Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| EcoBoost Fastback (best rate) | $32,640 | 0.00112 | 2.69% | 58% | ~$424 | -$32 |
| EcoBoost Premium Fastback | $36,345 | 0.00112 | 2.69% | 58% | ~$474 | -$34 |
| GT Fastback | $46,560 | 0.00112 | 2.69% | 58% | ~$611 | +$10 |
| GT Premium Fastback | $51,080 | 0.00112 | 2.69% | 58% | ~$672 | +$12 |
| GT Premium Convertible | $56,580 | 0.00112 | 2.69% | 55% | ~$791 | +$15 |
| Dark Horse Fastback | $63,080 | 0.00294 | 7.06% | 55% | ~$1,061 | -$45 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP minus $500 non-conditional cash. Dark Horse: MF 0.00294, finance only. Data: Ford Motor Credit, July 2026.
Verdict: Mustang
The EcoBoost Fastback at ~$424/month and 2.69% APR is the best sports-car lease rate in the lineup and $32 cheaper than June. The GT is still strong on the same rate, just a touch pricier after the residual cut. Skip the Dark Horse on lease.
Bronco & Bronco Sport: Both Improved
The Bronco Sport holds the sharpest compact rate at MF 0.00142 (3.41% APR), down a touch from June, with the Big Bend at ~$435 and no cash needed. The full-size Bronco improved from 6.50% to MF 0.00229 (5.50% APR) with $500 cash, dropping each trim about $44 to $50 a month. The Big Bend 4-door at ~$486 rides a strong 70% residual.
| Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| Bronco Sport (no cash) | ||||||
| Big Bend | $31,845 | 0.00142 | 3.41% | 59% | ~$435 | -$6 |
| Outer Banks | $36,945 | 0.00142 | 3.41% | 56% | ~$533 | -$6 |
| Badlands | $40,265 | 0.00142 | 3.41% | 55% | ~$592 | -$7 |
| Bronco (4-door, $500 cash) | ||||||
| Big Bend 4dr | $40,995 | 0.00229 | 5.50% | 70% | ~$486 | -$44 |
| Base 4dr | $40,495 | 0.00229 | 5.50% | 68% | ~$501 | -$44 |
| Outer Banks 4dr | $48,090 | 0.00229 | 5.50% | 64% | ~$646 | -$48 |
| Badlands 4dr | $48,890 | 0.00229 | 5.50% | 63% | ~$670 | -$49 |
| Heritage Edition 4dr | $51,625 | 0.00229 | 5.50% | 62% | ~$721 | -$50 |
*Pre-tax, 36mo/12K miles, Northeast region. Bronco Sport cap = MSRP (no cash). Bronco cap = MSRP minus $500 cash. Bronco Raptor and Stroppe held at the old rate. Data: Ford Motor Credit, July 2026.
Verdict: Bronco & Bronco Sport
The Bronco Sport Big Bend at ~$435 is the value compact SUV. The full-size Bronco is better than June at 5.50%, and the Big Bend 4-door at ~$486 with a 70% residual is the pick if you want the real thing. Both improved.
F-150 & Ranger: Cabs Escape the Penalty Box
The F-150 story inverted this month. The SuperCrew subvented trims actually ticked up to MF 0.00239 (5.74% APR) from 5.40%, but Ford added cash ($2,000 to $2,500), so payments are flat. The real move: the Raptor and the old penalty-box cabs dropped to MF 0.00181 (4.34% APR), so the Raptor fell $183 a month. The Ranger Lariat improved to 5.16% APR with $500 cash, down $65.
| Config | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| F-150 SuperCrew 5.5-box | ||||||
| XL 2WD | $43,935 | 0.00239 | 5.74% | 61% | ~$600 | $0 |
| XLT 2WD | $48,055 | 0.00239 | 5.74% | 61% | ~$630 | -$20 |
| XLT 4WD | $51,915 | 0.00239 | 5.74% | 63% | ~$675 | -$3 |
| Lariat 4WD | $63,360 | 0.00239 | 5.74% | 65% | ~$806 | -$1 |
| King Ranch 4WD | $69,625 | 0.00239 | 5.74% | 65% | ~$891 | +$1 |
| Raptor 4WD (rate cut) | $79,005 | 0.00181 | 4.34% | 58% | ~$1,103 | -$183 |
| Ranger SuperCrew 5-box | ||||||
| Lariat 4WD | $47,255 | 0.00215 | 5.16% | 65% | ~$612 | -$65 |
*Pre-tax, 36mo/12K miles, Northeast region. F-150 XLT: $2,000-2,500 cash applied; XL/Lariat/King Ranch $1,500-2,000; Raptor $1,500. The STX SuperCab and Regular Cab configs also moved to MF 0.00181 (4.34% APR). Ranger cap = MSRP minus $500. Data: Ford Motor Credit, July 2026.
Verdict: F-150 & Ranger
The XLT SuperCrew at ~$630/month with $2,500 cash is the F-150 value pick, though the rate crept up. The odd twist: the Raptor and the old penalty-box cabs now carry the lowest F-150 rate at 4.34%. The Ranger Lariat improved to ~$612 and is worth a look.
The Holdouts: Maverick & Expedition
Two lines sat out the July program. The Maverick and the Expedition both hold MF 0.00308 (7.39% APR) with no cash, unchanged from June. In a month where everything else improved, these are the only Fords still at the penalty rate. Finance them or wait.
| Model (example trim) | MSRP | MF (36mo) | APR | ~Monthly* | vs June |
|---|---|---|---|---|---|
| Maverick XL FWD | $28,145 | 0.00308 | 7.39% | ~$417 | $0 |
| Expedition Active 4x4 | $65,400 | 0.00308 | 7.39% | ~$1,065 | $0 |
| Mustang Dark Horse | $63,080 | 0.00294 | 7.06% | ~$1,061 | -$45 |
*Pre-tax, 36mo/12K miles, Northeast region, cap = MSRP, no incentives applied. Maverick and Expedition hold MF 0.00308 (7.39% APR). Data: Ford Motor Credit, July 2026.
Verdict: Holdouts
Finance the Maverick and Expedition, do not lease them at 7.39%. The Dark Horse eased a bit but is still a finance car. Everything else in the Ford lineup is a better lease this month.
Payment Math & Assumptions
- Cap cost = MSRP minus base non-conditional cash. No dealer discount or down payment. Escape ($8,000 / $13,000), Explorer ($1,500), Mach-E ($2,500), Mustang, Bronco, Ranger, and F-150 cash are applied where shown.
- Term: 36 months / 12,000 miles per year. All residuals use the 12K tier.
- Pre-tax and pre-fees. Add your state's lease tax, FMC acquisition fee (~$595 to $695), dealer doc fee, and first-month payment at signing.
- MF is the published FMC buy rate. Dealers can mark up the money factor. Even a 0.001 bump over the buy rate adds about $75/month on a $45K vehicle. Confirm the exact MF in writing.
- Formula used: Monthly = (Cap minus Residual) / Term + (Cap + Residual) x MF, where Residual = MSRP x RV%.
- Escape closeout cash. The $8,000 and $13,000 are model-year closeout bonuses stacked with lease cash. They are non-conditional but time-limited. Confirm the total as a cap cost reduction in writing.
Data sourced from Ford Motor Credit (FMC), Northeast region, July 2026. Residuals, money factors, and incentive programs change monthly and by region. MSRP figures carried from the June 2026 post and Ford pricing sheets.
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