Buying vs Leasing

A Car Loan Isn’t Required If You Lease the Car Instead!

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Buying Leasing
Monthly Payments Monthly loan payments are usually higher than monthly lease payments because you are paying for the entire purchase price of the car, plus interest and other finance charges, taxes and fees. Monthly lease payments are usually lower than monthly loan payments because you are paying only for the vehicle’s depreciation during the lease term, plus rent charges (like interest)
Early Termination You are responsible for any pay-off amount if you end the loan early. You are responsible for any early termination charges if you end the lease early.
Vehicle Return You may have to sell or trade the vehicle when you decide you want a different vehicle. You may return the car at lease end, pay any end-of-lease costs, and “walk away”
Mileage You may drive as many miles as you want, but higher mileage will lower the vehicle’s trade-in or resale value. Most leases limit the number of miles you may drive (often 15,000 per year). You can negotiate a higher mileage limit and pay a higher monthly fee.
Excess Wear There are no limits or charges for excessive wear to the vehicle, but will lower the vehicle’s trade-in or resale value. Most leases limit wear to the car during the lease term. You may likely have to pay extra charges for exceeding those limits if you return the vehicle.
End of Term At the end of the loan term (typically 3-5 years), you have no further loan payments. At the end of the lease (typically 2-4 years), you may have a new payment either to finance the purchase of the existing vehicle or to lease another car.

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