Cheapest Luxury Cars To Buy in 2019

If you’ve dreamed of owning a luxury car but thought it was out of your price range, you might be surprised to learn that many luxury automakers offer affordable, entry-level options for buyers on a tighter budget. For instance, you can buy an Acura ILX for only $25,900, a luxury car with a solid reputation that is as stylish as it is safe.

GOBankingRates gathered and analyzed data on 45 luxury car models from 2019 and 2020 to bring you 25 of the cheapest luxury cars to buy in 2019. The study looked at the best luxury vehicles as deemed by Car and Driver and U.S. News, plus individual luxury car websites to determine their most affordable models, based on the manufacturer’s suggested retail price (MSRP) for base-level trims of each vehicle. GOBankingRates then used CarMax’s Car Payment Calculator, assuming a 20% down payment, and calculated monthly payments for individuals with good, very good and excellent credit.

Buick Encore, 1SV

• MSRP: $24,195
• 20% down: $4,839
• Monthly car payment with good credit: $469
• Monthly payment with very good credit: $436
• Monthly payment with excellent credit: $431

Acura ILX, Standard

• MSRP: $25,900
• 20% down: $5,180
• Monthly car payment with good credit: $502
• Monthly payment with very good credit: $467
• Monthly payment with excellent credit: $461

Buick Regal TourX

• MSRP: $29,995
• 20% down: $5,999
• Monthly car payment with good credit: $575
• Monthly payment with very good credit: $535
• Monthly payment with excellent credit: $528

Infiniti QX30, Pure

• MSRP: $30,250
• 20% down: $6,050
• Monthly car payment with good credit: $585
• Monthly payment with very good credit: $544
• Monthly payment with excellent credit: $538

Buick Lacrosse, 1SV

• MSRP: $30,495
• 20% down: $6,099
• Monthly car payment with good credit: $571
• Monthly payment with very good credit: $548
• Monthly payment with excellent credit: $542

Lexus UX, 200

• MSRP: $32,150
• 20% down: $6,430
• Monthly car payment with good credit: $616
• Monthly payment with very good credit: $573
• Monthly payment with excellent credit: $566

Mercedes-Benz A-Class, 220 Sedan

• MSRP: $32,500
• 20% down: $6,500
• Monthly car payment with good credit: $621
• Monthly payment with very good credit: $578
• Monthly payment with excellent credit: $571

Acura TLX, Standard

• MSRP: $33,000
• 20% down: $6,600
• Monthly car payment with good credit: $636
• Monthly payment with very good credit: $592
• Monthly payment with excellent credit: $584

Mercedes-Benz CLA, 250 Coupe

• MSRP: $33,100
• 20% down: $6,620
• Monthly car payment with good credit: $637
• Monthly payment with very good credit: $593
• Monthly payment with excellent credit: $586

Buick Envision, 1SV

• MSRP: $33,190
• 20% down: $6,638
• Monthly car payment with good credit: $639
• Monthly payment with very good credit: $594
• Monthly payment with excellent credit: $587

Audi A3, Titanium

• MSRP: $33,300
• 20% down: $6,660
• Monthly car payment with good credit: $641
• Monthly payment with very good credit: $596
• Monthly payment with excellent credit: $589

Mercedes-Benz GLA, 250 SUV

• MSRP: $33,950
• 20% down: $6,790
• Monthly car payment with good credit: $651
• Monthly payment with very good credit: $606
• Monthly payment with excellent credit: $590

Buick Cascada, 1SV

• MSRP: $33,995
• 20% down: $6,799
• Monthly car payment with good credit: $652
• Monthly payment with very good credit: $607
• Monthly payment with excellent credit: $599

Lincoln MKC, Standard

• MSRP: $33,995
• 20% down: $6,799
• Monthly car payment with good credit: $652
• Monthly payment with very good credit: $607
• Monthly payment with excellent credit: $599

Volvo XC40, T4 FWD

• MSRP: $34,345
• 20% down: $6,869
• Monthly car payment with good credit: $657
• Monthly payment with very good credit: $612
• Monthly payment with excellent credit: $605

Audi Q3, Premium

• MSRP: $34,700
• 20% down: $6,940
• Monthly car payment with good credit: $663
• Monthly payment with very good credit: $617
• Monthly payment with excellent credit: $610

Genesis G70, 2.0T

• MSRP: $34,900
• 20% down: $6,980
• Monthly car payment with good credit: $666
• Monthly payment with very good credit: $620
• Monthly payment with excellent credit: $613

BMW X1, sDrive28i

• MSRP: $34,950
• 20% down: $6,990
• Monthly car payment with good credit: $667
• Monthly payment with very good credit: $621
• Monthly payment with excellent credit: $614

BMW 2-Series, 230i

• MSRP: $35,300
• 20% down: $7,060
• Monthly car payment with good credit: $679
• Monthly payment with very good credit: $632
• Monthly payment with excellent credit: $624

Infiniti Q50, 2.0t Pure

• MSRP: $35,650
• 20% down: $7,130
• Monthly car payment with good credit: $685
• Monthly payment with very good credit: $637
• Monthly payment with excellent credit: $630

Volvo S60, Premium Momentum

• MSRP: $35,800
• 20% down: $7,160
• Monthly car payment with good credit: $687
• Monthly payment with very good credit: $640
• Monthly payment with excellent credit: $632

Lincoln MKZ, Standard

• MSRP: $35,995
• 20% down: $7,199
• Monthly car payment with good credit: $690
• Monthly payment with very good credit: $642
• Monthly payment with excellent credit: $635

Cadillac XT4, FWD Luxury

• MSRP: $36,690
• 20% down: $7,338
• Monthly car payment with good credit: $702
• Monthly payment with very good credit: $653
• Monthly payment with excellent credit: $645

Lexus NX, 300

• MSRP: $36,720
• 20% down: $7,344
• Monthly car payment with good credit: $702
• Monthly payment with very good credit: $653
• Monthly payment with excellent credit: $646

Jaguar XE, Base

• MSRP: $36,995
• 20% down: $7,399
• Monthly car payment with good credit: $707
• Monthly payment with very good credit: $658
• Monthly payment with very good credit: $650

More on Saving Money and Cars

• Pros and Cons of Rent-to-Own Cars
• How I Was Scammed When I Bought My First Car
• 20 Ways To Increase Your Savings and Retire With Peace of Mind 
• Best Travel Credit Cards of 2019 

Methodology: GOBankingRates determined the cheapest luxury cars to buy in 2019 by analyzing 45 luxury car models from 2019 and 2020 (based on latest model year available), with the list of cars based on best luxury vehicles from Car and Driver and U.S. News, as well as by searching individual luxury car websites for their most affordable models, based on the manufacturer’s suggested retail price (MSRP) for base-level trims of each vehicle. To determine monthly car payments, GOBankingRates used CarMax’s Car Payment Calculator assuming a 20% down payment and calculated monthly payments for three different levels of credit (1) good (8% APR) (2) very good (5% APR) and (3) excellent (4.5% APR). All data was compiled on Aug. 13, 2019.

About the Author

Jordan Rosenfeld

Jordan Rosenfeld is a freelance writer and author of nine books. She holds a B.A. from Sonoma State University and an MFA from Bennington College. Her articles and essays about finances and other topics has appeared in a wide range of publications and clients, including The Atlantic, The Billfold, Good Magazine, GoBanking Rates, Daily Worth, Quartz, Medical Economics, The New York Times, Ozy, Paypal, The Washington Post and for numerous business clients. As someone who had to learn many of her lessons about money the hard way, she enjoys writing about personal finance to empower and educate people on how to make the most of what they have and live a better quality of life.

 

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