Rivian Deals Analysis July 2026
For Rivian, July is an overall tame month, following tame end-of-quarter specials in June. Base economics (money factor, residual value) actually worsened across the board, but are mostly offset by increased discounts on inventory.
Incentive summary:
Lease Credit: $3,000. Applies to inventory DLP, DMP, and Tri vehicles only.
Price Reduction: up to $2,000 - $5,000. Applies to select inventory Dual ($1,000-$2,000), Tri ($3,000), and Quad ($5,000) vehicles. Discount varies by VIN.
Order Credit: $500. Applies if vehicle is ordered between July 1 - 6.
Promotional APR financing:
1.99%/2.49%/3.99% APR on 60/72/84 month loans for the DLP, DMP, Tri
2.99%/3.49%/4.99% APR on 60/72/84 month loans for the DS, DL, and DM
Takeaways:
It is overall not a competitive month to lease an R1. Slight MF increases coupled with RV% decreases across the board worsen the fundamental lease economics. Lease rates were poor last month, with the best being the DLP at 1.36% MSRP/mo. This month’s rates are no better, and only match last month if you are able to secure all inventory discounts/price reductions. If leasing, the best value remains the DLP at 1.36% MSRP/mo again, assuming all discounts.
Promotional financing rates took a hit across the board, too. Last month saw 0.99%/1.49% rates on 60/72 month loans, now increased to 1.99%/2.49% - a 1% increase across the board. Still, financing an inventory DLP or DMP on a 2.49% APR 72 mo loan with $2,500 in discounts is not a terrible deal.
R2 leasing is essentially unchanged, with minor 1% decrease in RV offset by minor decreases in MF. The monthly lease at $0 down remains $939/mo before taxes/fees. The core recommendation is unchanged: finance with the lowest APR loan you can find yourself (e.g. local credit union). If you are certain you will sell in 3 years, and don’t plan on putting money down, then leasing may be worth it for the peace of mind - even if financing comes out ahead by a few grand. Simulate. the math yourself on our lease vs loan calculator.