Cadillac
XT4
2020
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2020 Cadillac XT4

Lease EstimateSee Lease Deals
$474/mo
Finance Estimate
$523/mo
FROM
$36,069
MPG
24 city / 30 hwy

Expert's Rating

3.1 (Good)

Unlike other websites and magazines, our ratings are not based solely on a singular road test, but rather a more encompassing batch of criteria: quality, safety, comfort, performance, fuel economy, reliability history and value. When comparing vehicles using our Rating System, it's important to note that the rating earned by each vehicle correlates only to the models within its class. For example, a compact car cannot be compared to a SUV—They are different vehicles altogether.

You can interpret our ratings in the following way:

5-Star: Outstanding vehicle. Only the most exceptional vehicles achieve this rating.

4-Star: Very Good vehicle. Very good and close to being the best vehicle in its class.

3-Star: Good vehicle. Decent, but not quite the best. Often affordable, but lacking key features found in vehicles of the same class.

2-Star: Below average vehicle. Not recommended, and lacking attributes a car buyer would come to expect for the price.

1-Star: Poor vehicle. Simply does not deserve to be on the road.

Est Monthly Loan

The monthly payment is based on the price of this vehicle assuming it is financed. If you choose to lease, you can also use the payment calculator to determine your lease terms. Default values for financing include: Term of months, APR of , and Sales Tax of . Default values for leasing include: Term of months, Money Factor of , Residual Value of , and Sales Tax of .

2020 Cadillac XT4
Lease
$474 / month
Finance
$523 / month
Vehicle Price
A typical negotiated price before taxes & fees.
Incentives
Incentives that help lower the selling price of a vehicle.
Available Money Factor of 0.00010833 for 36 month lease
Incentives
Incentives that help lower the selling price of a vehicle.
Down Payment
Trade-In Value
Money Factor
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Buying Tips

What you must know before buying the Cadillac XT4

John Diether
Automotive Editor - October 8, 2019
  • 2019 Cadillac XT4 in good supply; 2020s arriving
  • $1,000 factory rebate on 2019s continues
  • Lease a 2019 from $379 for 36 months
  • APR as low as 0% for 36 months

All-new Caddy crossover:

The 2019 XT4 remains widely available across the country. It's Cadillac's smallest crossover to date, with base MSRPs ranging from $35,790 to $42,790, depending on the trim level. The price difference between the most expensive XT4 and the cheapest XT5 is just $100.

The carryover 2020 XT4 continues arriving at dealers. We don't expect to see any factory incentives on the 2020s until the 2019s sell down.

Current factory offers may vary by region and will expire October 31, 2019.

Up to $2,000 off:

Cadillac now offers a $1,000 rebate on the 2019 XT4 to all buyers.

On top of that, Cadillac dealers are offering in-house discounts this month of about $1,000. That brings your total potential savings on a new XT4 to $2,000.

What to expect on a lease:

The 2019 XT4 in popular Premium Luxury trim starts at $379 for 36 months (10,000 miles a year) with $4,569 due at signing.

The effective monthly cost is $506, which falls just short of a good value in our book. Terms will probably improve later in the year.

0% APR holding:

Instead of the cash offers on a 2019 XT4, you can get 0% financing for 36 months on the XT4. Cadillac also offers 0.9% for 72 months.

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CarsDirect Target Price

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CarsDirectPricing as of 10/16/19 in 20149
MSRP
$36,690
Sales Price
$36,069
Cash Rebates
$0
Target Price
$36,069
Lease Estimate
$474/mo
Finance Estimate
$523/mo

Leasing Incentives

RebateAmount
Lease Loyalty Bonus Cash Cadillac Loyalty Program (Expires 10/31/19) Lease loyalty bonus cash available for current lessees of the same make. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Customers who currently own or lease a 2005 or newer Cadillac SRX or XT5 vehicle and lease one of the new and unused models. $1,000
Hurry! Offer expires

Leases For Similar Cars

Based on 2020 Cadillac XT4 - Luxury 4dr Front-wheel Drive - $36,690 MSRP

2020 Cadillac XT4 Overview

Matthew Keegan
Contributing Editor

Expert Rating

3.1 (Good)
MPG
23 City / 30 Highway

Unlike other websites and magazines, our ratings are not based solely on a singular road test, but rather a more encompassing batch of criteria: quality, safety, comfort, performance, fuel economy, reliability history and value. When comparing vehicles using our Rating System, it's important to note that the rating earned by each vehicle correlates only to the models within its class. For example, a compact car cannot be compared to a SUV—They are different vehicles altogether.

You can interpret our ratings in the following way:

5-Star: Outstanding vehicle. Only the most exceptional vehicles achieve this rating.

4-Star: Very Good vehicle. Very good and close to being the best vehicle in its class.

3-Star: Good vehicle. Decent, but not quite the best. Often affordable, but lacking key features found in vehicles of the same class.

2-Star: Below average vehicle. Not recommended, and lacking attributes a car buyer would come to expect for the price.

1-Star: Poor vehicle. Simply does not deserve to be on the road.

It has taken Cadillac longer than its competitors to expand its utility vehicle offerings to match consumer demand, but it's since rectified this shortcoming by introducing new and updated models. The 2020 Cadillac XT4, introduced just last year, is one of a new breed of luxury crossovers, the smallest model in the marque’s roster.

Choosing Your Cadillac XT4

The Cadillac XT4 is available in three trims: Luxury, Premium Luxury, and Sport. Pricing starts at $36,690 including destination for the Luxury to $40,790 for either the Premium Luxury or Sport. The XT4’s two top trims carry identical prices, with each taking a separate styling direction.

Engine Choices

All XT4 models share the same turbocharged 2.0-liter four-cylinder engine, which generates 237 horsepower and 258 pound-feet of torque. A nine-speed automatic transmission comes standard across the model line.

All-wheel drive is available for $2,500 on each trim. The AWD system is a part-time arrangement, requiring the driver to engage with a double button tap. Competing models such as the Volvo XC60 offer automatic systems.

When equipped with the optional Trailering Package ($300), the XT4 pulls a respectable 3,500 pounds, which is the same as the larger Cadillac XT5.

Passenger & Cargo Capacity

The XT4 is the smallest of all three Cadillac crossovers. It can seat five, but it's really ideal for four passengers. A fifth individual can fit in a pinch, provided you don’t mind rubbing shoulders with the outboard seating passengers.

Cargo space measures 22.5 cubic feet behind the rear seat and 48.9 cubic feet with that seat folded.

Safety Features

All Cadillac XT4 models come standard with automatic emergency braking, forward collision warning, and rear park assist. Blind-spot monitoring, rear cross-traffic alert, and front park assist come standard on the Premium Luxury and Sport.

Getting any more active safety features requires moving up to the Premium Luxury or Sport, and even there they cost extra. Lane keeping assist and lane departure warning require the Driver Awareness Package ($470); adaptive cruise control comes with the Driver Assist Package ($1,100) that also adds enhanced automatic emergency braking; the Enhanced Visibility Package ($1,500) adds a surround-view camera, automatic park assist, and rear pedestrian alert.

It's unfortunate that buyers have to pay more on a luxury model, as even mainstream brands such as Toyota include many of these features as standard equipment.

The Cadillac XT4 has a five-star overall safety rating from the NHTSA.

Connectivity

Although weak in standard safety tech, the Cadillac XT4 delivers decent in-cabin technologies, beginning with a standard 8-inch touchscreen display. Other features include a 4.2-inch driver information display, a seven-speaker audio system, front and rear USB charging ports, wi-fi hotspot capability, and OnStar connected services.

If you’re an audiophile, an exquisite 13-speaker Bose Centerpointe audio system is an $875 upgrade. Separately, you can add the Cadillac User Experience suite for $1,500 which includes navigation through compatible phones. This is where Apple CarPlay and Android Auto connectivity show up.

Luxury - From $36,690

The standard Luxury trim comes with a decent level of standard features. You’ll find LED headlights and taillights, automatic light control, power-controlled and heated side mirrors, and 18-inch alloy wheels.

Interiors supply imitation leather seats, power front seats, a leather-wrapped steering wheel, and dual-zone automatic climate control. Keyless entry with push-button start is also standard.

Premium Luxury - From $40,790

The Premium Luxury includes enhanced exterior style with its active aero shutters, silver metallic body side molding, roof rails, and a hands-free power liftgate. Inside, this model has leather seating surfaces, ambient lighting, memory for the driver's seat, wood or aluminum trim, and a cargo security cover. Rain-sensing windshield wipers are also standard.

Wireless charging is available through the Technology Package ($1,650), which also included an 8-inch driver information display, a head-up display, and a cabin air ionizer.

Sport - From $40,790

Similarly equipped as the Premium Luxury trim, the Sport also adds some unique design touches. These include a unique grille and black window surround moldings, roof rails, and a lower fascia accent. On the inside, it is distinguished by a sport steering wheel, sport alloy pedals, 4-way power lumbar front seats, and power front seatback bolsters.

An active sport suspension is available in the $2,300 Sport Dynamics Package alongside 20-inch wheels.

Compare XT4 Trims Side-By-Side

CarsDirect Tip

Either the Premium Luxury or the Sport are the place to start shopping for a 2020 Cadillac XT4. The $3,600 price premium over the base model is well worth the many included upgrades.

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