Honda Lease Deals July 2026: Every Model Ranked
Honda reshuffles its July program: the Odyssey gets a rate cut to 3.94% APR plus new $750 lease cash (~$18/mo cheaper), the Ridgeline drops to 3.14% APR (the lowest gas rate), and the Pilot improves to 4.56% APR. The Accord Sedan LX gives back its spring cut, reversing from 3.84% to 4.90% APR. The Prologue holds at 0.00074 (1.78% APR) with $7,250 lease cash.
Honda moved money around in July. The Odyssey got a rate cut to 3.94% APR plus its first lease cash in months ($750), dropping every trim ~$18/month. The Ridgeline fell to 3.14% APR, the lowest of any gas Honda. But the Accord Sedan LX gave back its spring rate cut, climbing from 3.84% to 4.90% APR. Through all of it, the Prologue holds at 0.00074 (1.78% APR) with $7,250 lease cash, still the best EV deal on the board.
The pattern this month is a trade. Honda cut money factors on the Odyssey, Ridgeline, and Pilot, and raised them on the Accord Sedan and Civic. On the Accord Hybrid and CR-V it raised the rate but poured in lease cash to cover it, so those payments held or fell. Where a model got neither, like the Civic, the payment just crept up a few dollars. The Passport, CR-V Hybrid, and HR-V carried over from June unchanged.
1.78%
Prologue APR
MF 0.00074 + $7,250 cash
3.94%
Odyssey APR
New $750 cash, ~$18/mo cheaper
3.14%
Ridgeline APR
MF 0.00131, lowest gas rate
+$21
Accord Sedan LX / mo
3.84% to 4.90% APR
July 2026 Lineup: Who Moved and Who Held
Ranked by 36-month money factor. The Prologue, Ridgeline, and Odyssey hold the three lowest rates, and the Odyssey is the biggest improver of the month. The Civic and Accord Sedan gave back rate, and the Prelude carries the lineup's worst money factor by a wide margin at 0.0028 (6.72% APR).
| Model | Best MF (36mo) | Best APR | Best RV (12K) | Max Lease Cash | Verdict |
|---|---|---|---|---|---|
| Prologue | 0.00074 | 1.78% | 48% | $7,250 | EV bargain |
| Ridgeline | 0.00131 | 3.14% | 62% | $0 | Lowest gas rate |
| Odyssey | 0.00164 | 3.94% | 61% | $750 | Biggest improver |
| Pilot | 0.0019 | 4.56% | 64% | $500 | Rate improved |
| HR-V | 0.00192 | 4.61% | 65% | $0 | Unchanged |
| Accord Sedan | 0.00204 | 4.90% | 61% | $1,000 | Rate reversed up |
| Civic | 0.00208 | 4.99% | 66% | $500 | Up a few dollars |
| Civic Hybrid | 0.00208 | 4.99% | 69% | $0 | Up a few dollars |
| CR-V Hybrid | 0.00222 | 5.33% | 67% | $0 | Unchanged |
| Passport | 0.00226 | 5.42% | 63% | $500 | Unchanged |
| CR-V | 0.00244 | 5.86% | 64% | $1,700 | Rate up, cash covers |
| Accord Hybrid | 0.00248 | 5.95% | 64% | $1,700 | Rate up, cash covers |
| Prelude | 0.0028 | 6.72% | 65% | $0 | Worst rate |
MF x 2400 = approximate APR. Best MF is the lowest available for that model. Pre-tax, 36mo/12K, Northeast region. Data: American Honda Finance, July 2026. The redesigned 2027 HR-V runs a higher 0.0026 (6.24% APR); its front-drive trims are covered in the HR-V section but left out of this ranking since the rate is not subvented yet.
Prologue: 1.78% APR and $7,250 Cash, Still the EV Anchor
The Prologue holds the lineup's headline rate at 0.00074 (1.78% APR), and Honda bumped the lease cash to $7,250 (up from $6,450 in June). That combination drops the EX 2WD to ~$413/month on a $39,900 sticker. The catch is the residual: it fell a couple of points across the board, so the deal is cash-driven, not residual-driven.
Because the rate is nearly free, the payment ladder tracks MSRP almost linearly. The EX AWD lands at ~$446 and the Touring trims run ~$492 to ~$536. The Elite AWD tops out at ~$617 on a $50,400 sticker with a thin 45% residual.
| Prologue Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| EX 2WD | $39,900 | 0.00074 | 1.78% | 48% | ~$413 |
| EX AWD | $42,000 | 0.00074 | 1.78% | 48% | ~$446 |
| Touring 2WD | $44,200 | 0.00074 | 1.78% | 47% | ~$492 |
| Touring AWD | $47,000 | 0.00074 | 1.78% | 47% | ~$536 |
| Elite AWD | $50,400 | 0.00074 | 1.78% | 45% | ~$617 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP − $7,250 lease cash. Data: American Honda Finance, July 2026.
Verdict: Prologue
The EX 2WD at ~$413/month is the value pick and the cheapest way into an electric SUV at a near-zero rate. The AWD step is only ~$33/month. Skip the Touring and Elite: the thin 45% to 47% residuals mean you pay for depreciation the lease cash barely offsets.
Odyssey: Rate Cut Plus New $750 Cash, ~$18/mo Cheaper
The Odyssey is the month's biggest improver. The money factor dropped to 0.00164 (3.94% APR) from 0.00175, and Honda added $750 lease cash where there was none in June. Every trim is ~$18/month cheaper. The EX-L opens at ~$555, and a $1,495 MSRP cut this month helps too.
| Odyssey Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| EX-L | $42,795 | 0.00164 | 3.94% | 61% | ~$555 |
| Sport-L | $43,895 | 0.00164 | 3.94% | 61% | ~$569 |
| Touring | $47,495 | 0.00164 | 3.94% | 59% | ~$643 |
| Elite | $51,695 | 0.00164 | 3.94% | 58% | ~$715 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP − $750 lease cash. Data: American Honda Finance, July 2026.
Odyssey EX-L: June → July
June ~$574/mo to July ~$555/mo. That's ~$18/month cheaper, from a rate cut to 0.00164 and $750 of new lease cash. The whole lineup moved together.
Verdict: Odyssey
The EX-L at ~$555/month is the pick and the best minivan lease Honda has offered in months. At 3.94% APR it undercuts most of the SUV lineup on rate. If you want the built-in vacuum and rear entertainment, the Touring at ~$643 is the sensible ceiling.
Ridgeline: 3.14% APR, the Lowest Gas Rate in the Lineup
The Ridgeline money factor improved to 0.00131 (3.14% APR) from 0.00142, the lowest rate on any gas Honda. The residual slipped 1 point at the same time, so the payment actually ticks up ~$4/month despite the better rate. The Sport opens at ~$528 with no lease cash on the hood.
| Ridgeline Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| Sport | $40,795 | 0.00131 | 3.14% | 61% | ~$528 |
| RTL | $43,595 | 0.00131 | 3.14% | 61% | ~$564 |
| TrailSport | $45,995 | 0.00131 | 3.14% | 62% | ~$583 |
| TrailSport Plus | $47,195 | 0.00131 | 3.14% | 62% | ~$598 |
| Black Edition | $47,395 | 0.00131 | 3.14% | 61% | ~$613 |
| Black Edition Two-Tone | $47,895 | 0.00131 | 3.14% | 61% | ~$620 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP, no lease cash this month. Data: American Honda Finance, July 2026.
Verdict: Ridgeline
The Sport at ~$528/month gives you the lowest gas-Honda rate in a genuinely useful truck. There is no lease cash, so this is a pure rate play. The TrailSport at ~$583 adds the 62% residual and off-road kit for a reasonable step.
Pilot & Passport: Pilot Improves, Passport Holds
The Pilot money factor dropped to 0.0019 (4.56% APR) from 0.0020, worth about $7 to $9/month across the lineup. The Sport 2WD opens at ~$552. The Passport is a carryover: 0.00226 (5.42% APR) unchanged from June, with the RTL the value entry at ~$613.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| Pilot (0.0019 / 4.56% APR) | |||||
| Sport 2WD | $42,395 | 0.0019 | 4.56% | 63% | ~$552 |
| EX-L 2WD | $44,695 | 0.0019 | 4.56% | 64% | ~$571 |
| EX-L AWD | $46,795 | 0.0019 | 4.56% | 64% | ~$599 |
| TrailSport AWD | $50,595 | 0.0019 | 4.56% | 64% | ~$649 |
| Elite AWD | $53,695 | 0.0019 | 4.56% | 63% | ~$703 |
| Passport (0.00226 / 5.42% APR, unchanged) | |||||
| RTL | $44,950 | 0.00226 | 5.42% | 63% | ~$613 |
| TrailSport | $48,650 | 0.00226 | 5.42% | 62% | ~$677 |
| TrailSport Elite | $52,650 | 0.00226 | 5.42% | 61% | ~$747 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP − $500 lease cash (both models). Pilot Touring, Touring Blackout, and Black Edition, and the Passport RTL Blackout, RTL Towing, TrailSport Blackout, and TrailSport Elite Blackout are omitted here but priced in the data. Data: American Honda Finance, July 2026.
Pilot Sport 2WD: June → July
June ~$559/mo to July ~$552/mo. A rate cut to 0.0019 (4.56% APR) trims ~$7/month. The Passport rate did not move.
Verdict: Pilot & Passport
The Pilot Sport 2WD at ~$552/month is the three-row value, and 4.56% APR is a real improvement. The Passport at 5.42% APR does not compete with the Pilot on rate, and it carries far less cash. If you need the Passport's rugged two-row layout, the RTL at ~$613 is the entry. Otherwise the Pilot is the better lease.
CR-V: Rate Jumped, Lease Cash Covers It
The gas CR-V money factor climbed to 0.00244 (5.86% APR) from 0.00186, a big jump. But Honda nearly tripled the lease cash to $1,700 (from $600), so the payments barely moved. The LX 2WD is actually ~$3/month cheaper at ~$410. The CR-V Hybrid is a straight carryover at 0.00222 (5.33% APR), no lease cash.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| CR-V (0.00244 / 5.86% APR, $1,700 cash) | |||||
| LX 2WD | $32,370 | 0.00244 | 5.86% | 63% | ~$410 |
| LX AWD | $33,870 | 0.00244 | 5.86% | 63% | ~$431 |
| EX 2WD | $34,600 | 0.00244 | 5.86% | 64% | ~$433 |
| EX-L AWD | $38,350 | 0.00244 | 5.86% | 63% | ~$495 |
| CR-V Hybrid (0.00222 / 5.33% APR, unchanged) | |||||
| Sport FWD | $37,080 | 0.00222 | 5.33% | 67% | ~$477 |
| Sport-L AWD | $38,725 | 0.00222 | 5.33% | 66% | ~$508 |
| TrailSport AWD | $40,250 | 0.00222 | 5.33% | 67% | ~$518 |
| Sport-Touring AWD | $43,700 | 0.00222 | 5.33% | 66% | ~$574 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP − lease cash (gas CR-V $1,700; CR-V Hybrid $0). Data: American Honda Finance, July 2026.
Verdict: CR-V
The gas LX 2WD at ~$410/month is the value pick. The 5.86% APR looks bad, but the $1,700 lease cash cancels it out, so ignore the rate and take the cash. The Hybrid's 67% residual is the strongest in the class; the Sport FWD at ~$477 is the pick there if you want the mileage.
Accord: Sedan LX Reverses Up, Hybrid Trades Rate for Cash
The Accord Sedan LX gave back June's rate cut. It moved from 0.0016 to 0.00204 (3.84% to 4.90% APR), which adds ~$21/month, pushing the LX to ~$388. It is still the cheaper Accord Sedan to finance than the SE, but the spring bargain is gone.
The Accord Hybrid went the other way on structure. Its rate climbed to 0.00248 (5.95% APR), but Honda raised the lease cash to $1,700 from $500, so the Sport is actually ~$11/month cheaper at ~$441.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| Accord Sedan (0.00204 / 4.90% APR, $1,000 cash) | |||||
| LX | $29,590 | 0.00204 | 4.90% | 61% | ~$388 |
| SE | $30,695 | 0.00204 | 4.90% | 61% | ~$404 |
| Accord Hybrid (0.00248 / 5.95% APR, $1,700 cash) | |||||
| Sport | $34,990 | 0.00248 | 5.95% | 64% | ~$441 |
| Sport-L | $36,690 | 0.00248 | 5.95% | 63% | ~$474 |
| EX-L | $36,290 | 0.00248 | 5.95% | 62% | ~$477 |
| Touring | $40,690 | 0.00248 | 5.95% | 60% | ~$562 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP − lease cash (Accord Sedan $1,000; Accord Hybrid $1,700). Data: American Honda Finance, July 2026.
Accord Sedan LX: June → July
June ~$367/mo to July ~$388/mo. The money factor reversed from 0.0016 back to 0.00204 (3.84% to 4.90% APR), ~$21/month more. June's rate cut was a one-month event.
Verdict: Accord
The Sedan LX at ~$388/month is still the cheapest Accord, but the rate is back to ordinary. If you want a hybrid, the Sport at ~$441/month is the value pick and it got cheaper this month on the extra cash. Skip the higher hybrid trims, where the 5.95% rate starts to bite.
Civic: Rates Nudged Up to 4.99% APR
Every Civic moved to the same money factor this month: 0.00208 (4.99% APR). For the gas cars that is a small bump from 0.00193, worth ~$6 to $7/month. For the hybrids it is a smaller step from 0.00203, ~$3/month. No lease cash on the sedans or hybrids; the gas Hatchback Sport carries $500. The Civic Sedan LX stays the payment floor at ~$347.
| Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| Civic Gas (0.00208 / 4.99% APR) | |||||
| Sedan LX | $25,890 | 0.00208 | 4.99% | 64% | ~$347 |
| Hatchback Sport | $27,895 | 0.00208 | 4.99% | 66% | ~$345 |
| Sedan Sport | $27,890 | 0.00208 | 4.99% | 65% | ~$367 |
| Civic Hybrid (0.00208 / 4.99% APR) | |||||
| Hatchback Sport | $30,595 | 0.00208 | 4.99% | 69% | ~$371 |
| Sedan Sport | $30,590 | 0.00208 | 4.99% | 68% | ~$379 |
| Hatchback Sport-Touring | $33,595 | 0.00208 | 4.99% | 68% | ~$416 |
| Sedan Sport-Touring | $33,590 | 0.00208 | 4.99% | 67% | ~$425 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP − lease cash (gas Hatchback Sport $500; all others $0). The Civic Si (manual) sits apart at 0.0028 (6.72% APR), ~$445/month on a $32,145 sticker, unchanged from June. Data: American Honda Finance, July 2026.
Verdict: Civic
The Sedan LX at ~$347/month is the payment floor, and the gas Hatchback Sport at ~$345 is a touch cheaper thanks to $500 cash and a 66% residual. The Hybrid Hatchback Sport at ~$371 with a 69% residual is the smart step up. The Si's 6.72% rate makes it a buy, not a lease.
HR-V: Unchanged at 4.61% APR
The 2026 HR-V is a straight carryover at 0.00192 (4.61% APR), no lease cash. The LX 2WD opens at ~$360. The redesigned 2027 is now arriving at a higher 0.0026 (6.24% APR) with no lease cash. Its front-drive trims are priced below, but the rate is not subvented yet, so a leftover 2026 is still the better lease.
| HR-V Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 2026 (0.00192 / 4.61% APR) | |||||
| LX 2WD | $27,950 | 0.00192 | 4.61% | 65% | ~$360 |
| LX AWD | $29,450 | 0.00192 | 4.61% | 65% | ~$380 |
| Sport 2WD | $29,750 | 0.00192 | 4.61% | 65% | ~$383 |
| EX-L 2WD | $30,350 | 0.00192 | 4.61% | 64% | ~$399 |
| Sport AWD | $31,250 | 0.00192 | 4.61% | 65% | ~$403 |
| EX-L AWD | $33,300 | 0.00192 | 4.61% | 64% | ~$438 |
| 2027 Redesign (0.0026 / 6.24% APR) | |||||
| LX 2WD | $26,600 | 0.0026 | 6.24% | 66% | ~$366 |
| Sport 2WD | $28,400 | 0.0026 | 6.24% | 66% | ~$391 |
| EX-L 2WD | $30,450 | 0.0026 | 6.24% | 65% | ~$427 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP, no lease cash. The 2027 redesign is shown in front-drive; its money factor is not subvented yet. Data: American Honda Finance, July 2026.
Verdict: HR-V
The 2026 LX 2WD at ~$360/month is the value entry, and the Sport AWD at ~$403 adds all-wheel drive cheaply. The redesigned 2027 LX 2WD lands close at ~$366 despite its lower sticker, because the 6.24% rate is not subvented. Until Honda puts a program on the 2027, the leftover 2026 is the better lease.
Prelude: Worst Rate in the Lineup, Residual Slips Again
The Prelude keeps the lineup's worst money factor at 0.0028 (6.72% APR), and the residual dropped another point to 65%. That adds ~$11/month, pushing the Coupe to ~$620. There is no lease cash to soften it.
| Prelude Trim | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* |
|---|---|---|---|---|---|
| 2-Tone Coupe | $42,500 | 0.0028 | 6.72% | 65% | ~$610 |
| Coupe | $43,195 | 0.0028 | 6.72% | 65% | ~$620 |
*Pre-tax, 36mo/12K, Northeast region. Cap = MSRP, no lease cash. Data: American Honda Finance, July 2026.
Verdict: Prelude
At 6.72% APR with no cash and a slipping residual, the Prelude is the worst lease in the Honda lineup. If you want the coupe, buy it or finance it. Leasing at ~$610 to ~$620/month makes no sense against the rest of the board.
Payment Math & Assumptions
- Cap cost = MSRP minus lease cash. No dealer discount, no extra down payment. Every $1,000 you negotiate off MSRP cuts roughly $28/month.
- Term: 36 months / 12,000 miles per year. All residuals use the 12K tier.
- Pre-tax and pre-fees. Add state lease tax, acquisition fee, dealer doc fee, and the first payment due at signing.
- MF is the published base rate. Dealer markup on the money factor adds directly to the rent charge. Confirm the buy-rate MF before you sign.
- Data basis: American Honda Finance rate sheets, Northeast region, July 2026. Money factors and residuals change monthly.
Tax, registration, title, and dealer doc fees are excluded and vary by state. Your drive-off cost depends on your state's lease tax treatment, which can add $0 to $1,500 or more at signing.
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