Subaru Lease Deals July 2026: Every Model Ranked
Subaru July 2026 lease programs: a rate-sheet reset. Money factors fell on nearly every model, but Subaru cut residuals on the Outback, Impreza, and EV trio, so lower rates did not all mean lower payments. The Outback Wilderness shows the lineup-low 0.38% APR (MF 0.00016), yet a residual cut raised Outback payments $8 to $14. The Solterra, Trailseeker, and Uncharted are the winners: non-conditional cash rose $2,000 to $3,000 and payments fell $22 to $29/month. The Forester recovered (Premium AWD 4.58% APR, down from 5.11%). Crosstrek base is the cheapest lease at ~$306. Ascent is mixed. Lease at 36 months.
July is a rate-sheet reset for Subaru. Money factors fell on almost every model, and the Outback Wilderness now shows MF 0.00016 (0.38% APR), the lowest rate in the whole lineup. But Subaru also trimmed residuals on the Outback, the Impreza, and the EV trio, so a lower rate does not always mean a lower payment.
The real winners are the Solterra, Trailseeker, and Uncharted. Their guaranteed cash rose from $2,000 to $3,000 and their money factors dropped, so payments fell about $22 to $29 a month. The Forester recovered from June, roughly $12 a month cheaper. The catch is the Outback: its rate looks spectacular, but a residual cut quietly pushed payments up $8 to $14. Lease at 36 months. The 24 and 48-month terms are the walls.
0.38%
Outback Wilderness APR
MF 0.00016, lowest rate in the lineup
$3,000
EV Guaranteed Cash
Up from $2,000. Trio about $28/mo cheaper
4.58%
Forester Premium AWD
Down from 5.11% APR. Rates recovered
55%
Outback Wilderness Residual
Cut from 57%. Payment rose $14 anyway
July 2026 Subaru Lineup: Rate Map
This was a broad reset. Nearly every trim saw its money factor drop, but Subaru paired the rate cuts with residual cuts on several models, so the payment moves are mixed. Read the last column first: it tells you whether the July payment went up or down, and the money factor alone will mislead you.
| Model | MF (36mo) | APR | RV (36/12K) | Cash | July vs June |
|---|---|---|---|---|---|
| Uncharted | 0.00018-0.00068 | 0.43-1.63% | 44-47% | $3,000 | Down $27-28 |
| Trailseeker | 0.00066-0.00107 | 1.58-2.57% | 50-52% | $3,000 | Down $28-29 |
| Solterra | 0.00091-0.00108 | 2.18-2.59% | 49-51% | $3,000 | Down $22-23 |
| Forester | 0.001-0.00191 | 2.40-4.58% | 62-65% | $0 | Down $11-12 |
| Crosstrek | 0.00114 | 2.74% | 66% | $0 | Down $18 |
| Ascent | 0.00032-0.00063 | 0.77-1.51% | 58-62% | $0 | Mixed |
| Impreza | 0.00026-0.00039 | 0.62-0.94% | 57-58% | $0 | Up $8-9 |
| Outback | 0.00016-0.00061 | 0.38-1.46% | 55-60% | $0 | Up $8-14 |
| WRX & BRZ | Penalty | Finance only | - | $0 | Eased, still high |
Pre-tax, 36mo/12K miles, Northeast region. Ranges span the trims featured in this post. MF x 2400 = approximate APR. Cash = base non-conditional incentive. Data: Subaru Motors Finance, July 2026.
Verdict: Lineup
Lease the EV trio or the Forester this month. The Outback is still a good car, but its headline 0.38% APR hides a residual cut that raised the payment. Ascent is a wash. Never take a 24 or 48-month term on any Subaru.
Solterra, Trailseeker & Uncharted: The Month's Winners
The three EV-style models got the best of the July reset. The non-conditional cash rose from $2,000 to $3,000, and money factors dropped across all three. The Uncharted Premium FWD now leases near ~$474 at MF 0.00027 (0.65% APR), and the Trailseeker Premium falls to ~$512. Residuals still slipped a point or two, but the cash and the lower rate more than covered it.
| Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| Uncharted | ||||||
| Premium FWD | $34,995 | 0.00027 | 0.65% | 44% | ~$474 | -$28 |
| Sport AWD | $39,795 | 0.00068 | 1.63% | 47% | ~$540 | -$28 |
| GT AWD | $43,795 | 0.00018 | 0.43% | 45% | ~$597 | -$27 |
| Trailseeker | ||||||
| Premium | $39,995 | 0.00107 | 2.57% | 52% | ~$512 | -$29 |
| Limited | $43,995 | 0.0008 | 1.92% | 50% | ~$578 | -$29 |
| Touring | $46,555 | 0.00066 | 1.58% | 50% | ~$607 | -$28 |
| Solterra | ||||||
| Premium | $38,495 | 0.00107 | 2.57% | 51% | ~$500 | -$23 |
| Limited | $41,395 | 0.00108 | 2.59% | 51% | ~$544 | -$23 |
| Limited XT | $42,895 | 0.00102 | 2.45% | 50% | ~$575 | -$23 |
| Touring XT | $45,555 | 0.00091 | 2.18% | 49% | ~$621 | -$22 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP minus the $3,000 non-conditional cash. Data: Subaru Motors Finance, July 2026.
EV Trio: June to July Change
Non-conditional cash went from $2,000 to $3,000 and money factors dropped. Payments fell about $22 to $29 a month across the three. The Uncharted Premium FWD lands at ~$474 and the Trailseeker Premium at ~$512. The single best month yet for these three.
Verdict: Solterra, Trailseeker & Uncharted
These are the value plays this month if you want a Subaru EV. The Uncharted Premium FWD at ~$474 is the cheapest way in, and the GT AWD carries the standout 0.43% APR. Residuals are still low (44% to 52%), so the deal rests on the cash and the rate, not on resale. Confirm the $3,000 as a cap cost reduction, and get any extra dealer cash in writing.
Outback: Great Rate, Higher Payment
The Outback is the trap this month. The Wilderness money factor fell to 0.00016 (0.38% APR), the lowest rate Subaru offers on anything. But the residual dropped from 57% to 55%, and the volume trims took bigger residual cuts (Premium 64% to 60%, Limited and Limited XT 60% to 57%). The result: every Outback payment went up $8 to $14 even though the rate improved. The Premium is still the value pick at ~$423, just not the bargain the money factor implies.
| Outback Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| Premium | $34,995 | 0.00061 | 1.46% | 60% | ~$423 | +$8 |
| Limited | $41,715 | 0.00047 | 1.13% | 57% | ~$529 | +$8 |
| Limited XT | $44,365 | 0.0004 | 0.96% | 57% | ~$558 | +$8 |
| Wilderness (best rate) | $44,995 | 0.00016 | 0.38% | 55% | ~$574 | +$14 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP (no base cash on Outback). Data: Subaru Motors Finance, July 2026.
Outback: June to July Change
Money factors fell hard (Wilderness 0.00032 to 0.00016, Premium 0.00113 to 0.00061), but residuals fell too. Wilderness ~$560 to ~$574 (+$14), Premium ~$415 to ~$423 (+$8). The residual cut ate the rate cut. Payments are up $8 to $14 across the lineup.
Verdict: Outback
The Premium at ~$423 is still the value play, but do not lease the Wilderness for the 0.38% rate alone. The 55% residual makes it a ~$574 payment, more than June. The Outback is a fine lease, just $8 to $14 a month pricier than last month. Cross-shop the Forester below.
Forester: Rates Recover
The Forester reversed June's slide. The base AWD money factor dropped to 0.001 (2.40% APR) from 0.00123, and the Premium AWD improved to 0.00191 (4.58% APR) from 5.11%. Residuals held, so both trims are about $11 to $12 a month cheaper. The base AWD at ~$365 is the pick if you want a Forester on lease.
| Forester Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| AWD (base) | $29,995 | 0.001 | 2.40% | 62% | ~$365 | -$11 |
| Premium AWD | $31,995 | 0.00191 | 4.58% | 65% | ~$412 | -$12 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP (no base cash on Forester). Data: Subaru Motors Finance, July 2026.
Forester: June to July Change
Base AWD 2.95% to 2.40% APR (~$376 to ~$365), Premium AWD 5.11% to 4.58% (~$424 to ~$412). About $11 to $12 a month cheaper on both, reversing the two-month slide.
Verdict: Forester
Better than June, and the base AWD at ~$365 is a solid compact-SUV lease. The Premium AWD is still 4.58% APR, which is mid-pack, so stick to the base. If you want more space, the Outback Premium is only about $58 more with a lower rate.
Ascent: Mixed, Still the Three-Row Value
The Ascent went both ways this month. The Premium 7-passenger improved to ~$458 (MF 0.00042, 1.01% APR) and the Limited 8-passenger dropped to ~$570, but the Premium 8-passenger and Limited Bronze ticked up a few dollars. Net, it is roughly flat. It is still the cheapest three-row lease in the market, and the Premium 7-passenger at ~$458 is the buy.
| Ascent Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| Premium 7-pass (value pick) | $40,795 | 0.00042 | 1.01% | 62% | ~$458 | -$7 |
| Premium 8-pass | $40,795 | 0.00041 | 0.98% | 61% | ~$469 | +$5 |
| Limited 8-pass | $47,885 | 0.00032 | 0.77% | 59% | ~$570 | -$11 |
| Limited Bronze 7-pass | $48,995 | 0.00032 | 0.77% | 58% | ~$596 | +$3 |
| Touring 7-pass | $51,165 | 0.00049 | 1.18% | 58% | ~$637 | +$2 |
| Onyx Edition Touring | $51,995 | 0.00063 | 1.51% | 58% | ~$658 | +$2 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP (no base cash on Ascent). Data: Subaru Motors Finance, July 2026.
Verdict: Ascent
Still the best three-row lease in the market. The Premium 7-passenger at ~$458 is the buy. The small July moves do not change the math. Stay at 36 months, where the subvented money factor lives.
Impreza & Crosstrek: Rates Fell, Residuals Too
The Crosstrek base is the value-tier winner at ~$306. Its money factor fell from 0.00155 to 0.00114 (2.74% APR) and the 66% residual held, so it is $18 a month cheaper. The Impreza went the other way: the RS money factor dropped to 0.00026 (0.62% APR), but the residual cut from 60% to 57% pushed the payment to ~$364, about $8 more than June. Same story on the Sport at ~$327.
| Trim (2026) | MSRP | MF (36mo) | APR | RV (36/12K) | ~Monthly* | vs June |
|---|---|---|---|---|---|---|
| Crosstrek (base) (cheapest lease) | $26,995 | 0.00114 | 2.74% | 66% | ~$306 | -$18 |
| Impreza Sport | $26,595 | 0.00039 | 0.94% | 58% | ~$327 | +$9 |
| Impreza RS | $29,495 | 0.00026 | 0.62% | 57% | ~$364 | +$8 |
*Pre-tax, 36mo/12K miles, Northeast region. Cap = MSRP (no base cash on Impreza or Crosstrek). Data: Subaru Motors Finance, July 2026.
Verdict: Impreza & Crosstrek
The Crosstrek base at ~$306 is the cheapest Subaru lease this month and the only value-tier trim that actually got cheaper. The Impreza RS is still a low-rate lease at 0.62% APR, but the residual cut nudged it up to ~$364. Both are fine leases. The Crosstrek is the better value in July.
BRZ & WRX: Finance Only
The BRZ and WRX both saw their money factors ease in the July reset, but both remain well above the subvented tier. Lease either one and you are paying a steep rent charge every month. These are cars to buy or finance, not lease. Nothing this month changes that.
Verdict: BRZ & WRX
Finance these, do not lease them. The WRX sits at a penalty money factor even after the reset, and the BRZ leases poorly. If you must have one, buy it.
The Term Trap: 36 Months Is the Sweet Spot
Subaru loads its subvented money factors onto the 36-month term. Every payment in this post uses it. The 39-month term is priced almost identically, so it is a fair alternative if you want three extra months. The 24-month and 48-month terms are the walls: the money factor jumps to several times the 36-month rate. On a Subaru, a shorter term is not cheaper, it is a penalty.
Verdict: Term
Lease at 36 months, or 39 if you want the slightly longer term. Do not accept a 24 or 48-month Subaru lease. If a dealer pushes the shorter term as a lower commitment, check the money factor. It almost certainly jumped to the penalty rate.
Payment Math & Assumptions
- Cap cost = MSRP minus base non-conditional incentive. No dealer discount, no cap cost reduction, no trade equity in the sample payments.
- Term: 36 months / 12,000 miles per year. All sample residuals use the 12K tier.
- Pre-tax and pre-fees. Add your state's lease tax, SMF acquisition fee, dealer doc fee, and first-month payment at drive-off.
- Formula used: Monthly = (Cap minus Residual) / Term + (Cap + Residual) x MF, where Residual = MSRP x RV%.
- EV cash. Solterra, Trailseeker, and Uncharted payments use the $3,000 non-conditional cash. Your dealer may add its own discretionary cash on top. Get it in writing as a cap cost reduction.
Data sourced from Subaru Motors Finance program data (Northeast region), July 2026, with trim-level MSRPs carried from Subaru pricing sheets. Money factors, residuals, and incentive programs can change monthly and by region.
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