Compact SUV · Gas · AWD

2026 Buick Envision

Avenir AWD · $52,998 MSRP + $2,195 freight & PDI · prices and taxes shown for Ontario

Lease length

Terms past 60 months are rare in Canada and carry real resale risk — we mark them.

Kilometres allowed / year

Kilometres you really drive / year20,000Drives the over-kilometre bill, the true cost per month, and how much resale value the car keeps.Trade-in equity$0Cash down$0Discount off sticker$0

Monthly payment

$1,017

$900 + 13% HST

Buyout at lease end

$23,849

45.0% of MSRP · 48 months

Projected market value

$23,213source

At 20,000 km/yr · $0 vs the 20,000 km baseline · confidence medium

Equity when you hand it back

−$636

You would owe the difference if you bought it out

Where the money goes

Price after discount and incentives: $55,193
Less cash down and trade equity: $55,193
Interest rate used: 7.5%
Total of payments: $48,798
Tax saved by applying your trade: $0
Over-kilometre bill at 20,000 km/yr: $0
True cost per month after equity: $1,030

How well it holds value

3.1 / 5

Soft value retention

Value kept after four years

55.0%source

at 20,000 km a year — that is $29,175 of the original $52,998 sticker price. The Canadian four-year average across all brands is about 67.5%.

Modest brand demand used.

How we work out the projected market value

Projected market value is what we expect the car to be worth on the open market at the end of your 48-month lease — not the buyout price written into the contract. The gap between those two numbers is your equity.

The sum: $52,998 sticker price × 43.8% expected retention = $23,213 at the standard 20,000 km a year, then $0 for driving 20,000 km a year = $23,213. Your contract buyout is $23,849, leaving $636 against you.

Mileage rule: a used car loses roughly half of what the lease company charges per extra kilometre, so we apply $0 of value per kilometre above or below the 20,000 km baseline (Buick charges $0 per excess km), capped at 12% of sticker either way.

Checked against real listings: each week we read what this same nameplate, roughly three model years old, is actually being advertised for on Canadian used-car listings. We take the middle price (trimming the cheapest and dearest tenth so one wreck or one loaded trim cannot swing it), cut 12% off it because a dealer never hands you the retail asking price on a trade, and turn that into the share of the original sticker the car kept. That real figure is blended with the award-anchored projection — up to 65% weight when there are plenty of listings, 35% when the sample is thin, and none at all when fewer than four cars are for sale.

Where the retention figure comes from: a term-by-term forecast for this model, built from how the nameplate resells in Canada and its brand record in the published retained-value awards — Canadian Black Book Best Retained Value and J.D. Power / ALG Canada. Confidence on this one is medium. Where no model-specific forecast exists we fall back to the contract buyout percentage, which shows zero equity rather than a guess.

Resale prices move with the used-car market, condition and options. Treat this as a well-informed estimate, not a guarantee.

Handing the keys back

How easy Buick makes it to walk away at the end of the lease. 5 means relaxed, 1 means every scuff gets billed.

3.4/ 5Strict

Damage forgiven at return1.0 / 5 · 35% of the score

Nothing written off

Scratches, curbed wheels and small dents are the most common surprise bill. Brands that forgive a dollar amount absorb most of it for you.

Charge per extra kilometre3.8 / 5 · 30% of the score

16¢ per km over your allowance

Driving 5,000 km over on a four-year lease costs about $800 at this rate.

Buying kilometres upfront4.3 / 5 · 15% of the score

8¢ upfront vs 16¢ after the fact

A real discount for buying kilometres in advance gives you a cheap way out if you know you drive a lot.

Fee just for handing it back2.2 / 5 · 20% of the score

$495 return fee

This is charged even on a spotless car, though most brands waive it if you lease from them again.

Adding those four up gives 2.6. We then adjust by +0.8 for how this brand actually behaves at return time — how picky the inspection is and how often bills get waived — which lands on 3.4.

Same GM Financial turn-in standards.

GM loyalty cash on re-lease.

Estimated for Ontario

13% HST

Sales tax on your payments (13% HST): $5,614
Licence plate & registrationPlate transfer or new issue: $59
Tire stewardship levyCharged on the four tires: $20
Dealer documentation feeTypical Ontario dealer admin fee: $599
One-time costs at delivery: $756
Cash needed on delivery day: $756
All-in cost over the whole term: $49,554
True cost per month after equity: $1,046

Province details — how these numbers were worked out

Sales tax rate: 13.00% (13% HST)

Your payment before tax is $900 a month. Tax of 13.00% adds $117 a month, which is $5,614 across 48 months. In Canada lease tax is charged on each payment, not on the full price of the car, so a bigger down payment or trade-in also lowers the tax you pay.

One-time costs at delivery: $756

Licence plate & registration: $59 — Plate transfer or new issue
Tire stewardship levy: $20 — Charged on the four tires
Dealer documentation fee: $599 — Typical Ontario dealer admin fee (sales tax applies, so 13.00% is added)

Government registration and levies are shown at their posted amount; the dealer documentation fee is taxable, so tax is added to it.

Cash on delivery day: $756

Down payment with tax, plus the one-time costs and any luxury tax, minus any rebate.

All-in cost: $49,554

All 48 payments including tax, plus your down payment, one-time costs and luxury tax, minus any rebate. Subtracting what you get back at lease end (-$636 of equity) and adding any over-kilometre bill ($0) gives the true cost of $1,046 a month.

Fees and rebates are current best estimates for Ontario and can change; confirm the exact amounts with your dealer before you sign.

No provincial purchase rebate is currently offered here.

Length	Km / year	Buyout %	Factory rate	Typical quote	Monthly (tax in)
24 months	16,000	59.0%	5.8%	7.5%	$1,431
24 months	20,000	57.0%	5.8%	7.5%	$1,478
24 months	24,000	55.0%	5.8%	7.5%	$1,524
36 months	16,000	53.0%	5.8%	7.5%	$1,144
36 months	20,000	51.0%	5.8%	7.5%	$1,174
36 months	24,000	49.0%	5.8%	7.5%	$1,204
48 months	16,000	47.0%	5.8%	7.5%	$995
48 months	20,000	45.0%	5.8%	7.5%	$1,017
48 months	24,000	43.0%	5.8%	7.5%	$1,038
60 months	16,000	40.0%	5.8%	7.5%	$910
60 months	20,000	38.0%	5.8%	7.5%	$926
60 months	24,000	36.0%	5.8%	7.5%	$942
72 months	16,000	33.5%	6.1%	7.9%	$860
72 months	20,000	31.5%	6.1%	7.9%	$873
72 months	24,000	29.5%	6.1%	7.9%	$886
84 months	16,000	27.0%	6.5%	8.4%	$825
84 months	20,000	25.0%	6.5%	8.4%	$835
84 months	24,000	23.0%	6.5%	8.4%	$845
96 months	16,000	20.5%	6.8%	8.8%	$797
96 months	20,000	18.5%	6.8%	8.8%	$805
96 months	24,000	16.5%	6.8%	8.8%	$813

For your research, not a quote. Every figure here is an independent estimate built from published manufacturer programs, provincial tax rules and retained-value award data. We are not a dealer, lender or broker, we are not paid to steer you toward any vehicle or brand, and nothing on this site is financial, tax or legal advice. Confirm the final numbers on your own lease worksheet before you sign. Full terms and disclaimer