- $633/mo est.$5,000 down
- Exterior color: Glacial White PearlGlacial White Pearl
- Interior color: Dark Gray & Light Gray leatheretteDark Gray & Light Gray leatherette
- Tom Kadlec Kia (71 mi away)
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Estimate Lease Details
$633/month for 36 months
$5,000 Down payment
$5,633 Due at signing
$5,633 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $27,804 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Rochester, MN / 71 miles away from Saint Paul, MN
Glacial White Pearl 2026 Kia EV9 Wind AWD Electric 1-Speed Automatic
Features and Specs:
Listing Information:
VIN: 5XYAFFS58TG006254
Stock: Z6586
Listed since: 08-20-2025 - $767/mo est.$5,000 down
- Exterior color: Wolf Gray/Ebony Black RoofWolf Gray/Ebony Black Roof
- Interior color: Black & Brown leatheretteBlack & Brown leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$767/month for 36 months
$5,000 Down payment
$5,767 Due at signing
$5,767 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $32,625 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden fees or gimmicks... ever. AM/FM radio: SiriusX...
Features and Specs:
Listing Information:
VIN: 5XYAEFS59TG009506
Stock: K47761
Listed since: 05-23-2025 - $739/mo est.$5,000 down
- Exterior color: Glacial White Pearl/Ebony Black RoofGlacial White Pearl/Ebony Black Roof
- Interior color: Black & Brown leatheretteBlack & Brown leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$739/month for 36 months
$5,000 Down payment
$5,739 Due at signing
$5,739 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $31,605 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden fees or gimmicks... ever. ABS brakes, Alloy wh...
Features and Specs:
Listing Information:
VIN: 5XYAEFS56TG009317
Stock: K47876
Listed since: 06-23-2025 - $710/mo est.$5,000 down
- Exterior color: Road Rider BrownRoad Rider Brown
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$710/month for 36 months
$5,000 Down payment
$5,710 Due at signing
$5,710 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $30,574 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden fees or gimmicks... ever. ABS brakes, Alloy wh...
Features and Specs:
Listing Information:
VIN: 5XYADFS56TG012916
Stock: K47901
Listed since: 07-01-2025 - $718/mo est.$5,000 down
- Exterior color: Wolf GrayWolf Gray
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$718/month for 36 months
$5,000 Down payment
$5,718 Due at signing
$5,718 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $30,856 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden fees or gimmicks... ever. ** NIGHTFALL EDITI...
Features and Specs:
Listing Information:
VIN: 5XYADFS53TG009889
Stock: K47776
Listed since: 05-27-2025 - $767/mo est.$5,000 down
- Exterior color: Wolf Gray/Ebony Black RoofWolf Gray/Ebony Black Roof
- Interior color: Black & Brown leatheretteBlack & Brown leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$767/month for 36 months
$5,000 Down payment
$5,767 Due at signing
$5,767 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $32,625 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden fees or gimmicks... ever. * GT-Line 2nd Row ...
Features and Specs:
Listing Information:
VIN: 5XYAEFS58TG009500
Stock: K47777
Listed since: 05-27-2025 - $725/mo est.$5,000 down
- Exterior color: Glacial White PearlGlacial White Pearl
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$725/month for 36 months
$5,000 Down payment
$5,725 Due at signing
$5,725 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $31,083 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
*Ask us about 0% for 72 months on this vehicle.With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden...
Features and Specs:
Listing Information:
VIN: 5XYADFS51TG011348
Stock: K47900
Listed since: 07-01-2025 - $725/mo est.$5,000 down
- Exterior color: Glacial White PearlGlacial White Pearl
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$725/month for 36 months
$5,000 Down payment
$5,725 Due at signing
$5,725 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $31,083 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden fees or gimmicks... ever. ABS brakes, Alloy w...
Features and Specs:
Listing Information:
VIN: 5XYADFS56TG011359
Stock: K47868
Listed since: 06-19-2025 - $738/mo est.$5,000 down
- Exterior color: Ebony BlackEbony Black
- Interior color: Black & Brown leatheretteBlack & Brown leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$738/month for 36 months
$5,000 Down payment
$5,738 Due at signing
$5,738 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $31,568 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
*Ask us about 0% for 72 months on this vehicle.* With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidd...
Features and Specs:
Listing Information:
VIN: 5XYAEFS5XTG008235
Stock: K47942
Listed since: 07-15-2025 - $602/mo est.$5,000 down
- Exterior color: Panthera MetalPanthera Metal
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Raymond Kia (306 mi away)(25)
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Estimate Lease Details
$602/month for 36 months
$5,000 Down payment
$5,602 Due at signing
$5,602 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $26,662 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Antioch, IL / 306 miles away from Saint Paul, MN
With the Raymond Price Promise, the price you see is the price you pay. You'll never be hit with hidden fees or gimmicks... ever. Navigation System, R...
Features and Specs:
Listing Information:
VIN: 5XYAFFS57TG007282
Stock: K47788
Listed since: 05-30-2025 - $739/mo est.$5,000 down
- Exterior color: Glacial White Pearl/Ebony Black RoofGlacial White Pearl/Ebony Black Roof
- Interior color: Black & Brown leatheretteBlack & Brown leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
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Estimate Lease Details
$739/month for 36 months
$5,000 Down payment
$5,739 Due at signing
$5,739 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $31,605 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYAEFS55TG008031
Stock: K26122
Listed since: 07-02-2025 - $767/mo est.$5,000 down
- Exterior color: Wolf Gray/Ebony Black RoofWolf Gray/Ebony Black Roof
- Interior color: Black & Brown leatheretteBlack & Brown leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
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Estimate Lease Details
$767/month for 36 months
$5,000 Down payment
$5,767 Due at signing
$5,767 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $32,625 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYAEFS59TG009960
Stock: K26125
Listed since: 07-02-2025 - $610/mo est.$5,000 down
- Exterior color: Ebony BlackEbony Black
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
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Estimate Lease Details
$610/month for 36 months
$5,000 Down payment
$5,610 Due at signing
$5,610 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $26,966 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYAFFS52TG006248
Stock: K26096
Listed since: 06-13-2025 - $610/mo est.$5,000 down
- Exterior color: Ebony BlackEbony Black
- Interior color: Dark Gray & Light Gray leatheretteDark Gray & Light Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
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Estimate Lease Details
$610/month for 36 months
$5,000 Down payment
$5,610 Due at signing
$5,610 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $26,966 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYAFFS58TG011499
Stock: K26127
Listed since: 07-02-2025 - $703/mo est.$5,000 down
- Exterior color: Ebony BlackEbony Black
- Interior color: Dark Gray & Light Gray leatheretteDark Gray & Light Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
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Estimate Lease Details
$703/month for 36 months
$5,000 Down payment
$5,703 Due at signing
$5,703 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $30,302 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYADFS50TG007114
Stock: K26066
Listed since: 06-11-2025 - $608/mo est.$5,000 down
- Exterior color: Glacial White PearlGlacial White Pearl
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
Close
Estimate Lease Details
$608/month for 36 months
$5,000 Down payment
$5,608 Due at signing
$5,608 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $26,900 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYAFFS51TG006791
Stock: K26123
Listed since: 07-02-2025 - $727/mo est.$5,000 down
- Exterior color: Ebony BlackEbony Black
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
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Estimate Lease Details
$727/month for 36 months
$5,000 Down payment
$5,727 Due at signing
$5,727 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $31,157 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYADFS59TG012862
Stock: K26151
Listed since: 07-17-2025 - $738/mo est.$5,000 down
- Exterior color: Panthera Metal MattePanthera Metal Matte
- Interior color: Black & Brown leatheretteBlack & Brown leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
Close
Estimate Lease Details
$738/month for 36 months
$5,000 Down payment
$5,738 Due at signing
$5,738 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $31,558 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYAEFS55TG013424
Stock: K26150
Listed since: 07-17-2025 - $718/mo est.$5,000 down
- Exterior color: Ivory SilverIvory Silver
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
Close
Estimate Lease Details
$718/month for 36 months
$5,000 Down payment
$5,718 Due at signing
$5,718 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $30,839 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYADFS53TG012355
Stock: K26136
Listed since: 07-17-2025 - $718/mo est.$5,000 down
- Exterior color: Ivory SilverIvory Silver
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
Close
Estimate Lease Details
$718/month for 36 months
$5,000 Down payment
$5,718 Due at signing
$5,718 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $30,839 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYADFS56TG010826
Stock: K26148
Listed since: 07-22-2025 - $513/mo est.$5,000 down
- Exterior color: Ivory SilverIvory Silver
- Interior color: Black & Dark Gray leatheretteBlack & Dark Gray leatherette
- Ed Napleton's Kia Of Elmhurst (333 mi away)(2)
Close
Estimate Lease Details
$513/month for 36 months
$5,000 Down payment
$5,513 Due at signing
$5,513 total due at lease signing includes down payment, first month payment, and $0 security deposit. Total cost to lessee is $23,481 over the lease term. Except as otherwise expressly provided, excludes sales tax, title, registration and other fees. Lessee is responsible for vehicle maintenance, insurance, repairs and charges for excess wear and tear. Actual monthly payments will vary. Not all lessees may qualify; higher lease rates apply for lessees with lower credit ratings. Payment estimate based on lease programs in effect through September 30, 2025.
Located in Elmhurst, IL / 333 miles away from Saint Paul, MN
Price includes: $5000 - KFA Dealer Choice Program: $5000 discount and 5.50% APR for 36 months. $30.20 per $1000 financed. Available to well qualified ...
Features and Specs:
Listing Information:
VIN: 5XYAA5S21TG008460
Stock: K26068
Listed since: 06-11-2025
Consumer Reviews for the Kia EV9
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More about the Kia EV9
How much does it cost to lease a Kia EV9 in Saint Paul, MN?
- A Kia EV9 lease in Saint Paul, MN starts at about $513 and runs up to $767. Keep in mind that these are estimates and the prices can vary based on a number of factors such as trim level, options, down payment, and length of the lease.
How much does it cost to lease a Kia EV9 2026 in Saint Paul, MN?
- It costs between $513 and $767 to lease a Kia EV9 2026 in Saint Paul, MN. Note that these are estimates, and the pricing can change based on the vehicle's trim level, installed options, and aspects of the lease such as the down payment, money factor and the lease term.