The Difference between Purchasing and Leasing

  Finance Lease
  • Starts at Selling Price
  • Pay to Zero
Because the buyer is paying on the entire vehicle, the payment is usually higher.

Obligated for the entire Term

Buyer assumes Responsibility
for the Vehicles Value, including:

  • Loss of value from damage to vehicle
  • Loss of value from a broken odometer
  • Loss of value due to changing fuel prices
  • Loss of value from changing market conditions

Buyer has a long term obligation to pay for the vehicle even if the market conditions leaves them owing more than the value of the vehicle.

The best part of any vehicles life is the first couple of years...Add Gas and change Oil.

30,000 - 50,000 Miles -Maintenance Cycle

• Warranty Expire • Tires  • Brakes  • Battery • Rentals  • Water Pump  • Valves • Alternator  • Exhaust  • Air Conditioning

After 75,000 Miles - Major Repair Cycle

Engine  Trans  Breakdowns  CV Joints Body Work

  • Starts at the Same Price
  • Pay until the Option Amount
Lessee only pays on a portion of the vehicle; therefore the payments are usually less.

No Long-Term Obligations

Options and Protections:

  • Vehicle is typically under Warranty for the entire contract term
  • Guaranteed Option Value at Lease End, no loss from market changes
  • Cannot lose value from a repaired collision or a broken and repaired odometer
  • You are protected against a loss from escalating or dropping fuel prices
  • May include Gap Coverage*
  • If there's equity, you can purchase the car to trade or sell it
  • If you don't like the car, return it and walk away
  • If you love the car, you can complete the purchase and own it


  • Purchase to Sell/Trade
  • Return (Walk Away)
  • Keep (Love Option)
 You Own It You Own It (Option)
Which Makes More Sense To You?