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Lease Or Finance


Guess Who
(@guesswho)
Active Member Customer
Joined: 4 years ago
Posts: 5
Topic starter  

I'm wondering if anyone could shed some light. I am trying to decide if it makes more sense to lease a car (with no money down everything rolled in) or to finance.

If I lease, the prices I got were about $250 for an optima or $270 for a Camry. The advantage is I will have a new car with hopefully no problems but won't be left with anything at the end.

On the other hand if I finance, I could probably pay about the same monthly for a decent newish low mileage car and still have some equity in the end.

Anything I'm missing?


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Chai
 Chai
(@chai)
New Member
Joined: 4 years ago
Posts: 3
 

I personally financed my last car. I got a 2012 camry with 17K miles for $17k after everything. I paid $298 a month for 5 years. The only work I had to do was replace the brakes and the battery at 106K miles. I just sold it for $6,000 so I think I came out ahead.


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miri
 miri
(@miri)
New Member
Joined: 4 years ago
Posts: 4
 

Yes I agree with Chai. I think financing is smarter, since you are left with something at the end. 

Leasing, while it is nice for the 3 years that you have the car, at the end of the day you are back to where you started.

 


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raizy
(@raizy)
Eminent Member
Joined: 4 years ago
Posts: 34
 

I feel that way too Miri!


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FFB
 FFB
(@ffb)
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Joined: 4 years ago
Posts: 6
 

I would be careful when financing as a lot of people use First Atlantic or Pen Fed which are credit unions and could be a major problem with Ribis see  http://www.thelakewoodscoop.com/news/2018/12/petition-launched-after-first-atlantic-allegedly-rejects-solutions-for-credit-union-ribis-issues.html


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