Cheapest Luxury Cars To Buy in 2019

Your dream car may be more affordable than you think.

By Jordan Rosenfeld Aug 28, 2019 Auto Loans 101

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.

Make Your Money Work for You

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

Make Your Money Work for You

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

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.