Financing & Leasing for New or Used Cars

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Finding the perfect car for sale is easy to do, but the thing that people struggle with is deciding whether they should finance or lease that specific vehicle. A major reason for this is because consumers have a difficult time understanding that these two methods of having access to an automobile affect them differently. There are some people who would rather receive the benefits from an auto loan, while others may prefer the rewards from a leasing agreement. However, either method can be used to help you get the best new or used automobile at an affordable cost.

New or Used Vehicles with Auto Loans and Leasing

Buying or leasing? There are many factors to consider before deciding which option is right for you.


Buying - Once you sign on an auto loan you are placed in position to be the owner of your car at the end of your loan term.

Leasing - A lease is just renting a car for a short time span, and it must be returned to the dealer at the end of the lease.

Monthly Installments

Buying - Vehicle financing tends to feature higher monthly payments due to the requirement to pay off the entire purchase price along with interest.

Leasing - The payments on car lease agreements are lower due to you only paying off the depreciation of the auto, as well as other charges.

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How do Credit Scores Impact Leasing vs. Lending?

Another thing that will impact your decision to apply for a car loan online or go the route of leasing is what your credit history looks like. Both lease and auto finance companies look at your credit score and use that to determine your interest rates, as well as how likely you are to be approved. However, where these two methods of driving a vehicle differ is in how easy or difficult it is for people with low credit scores to obtain them.

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What to Do When You Have No Money to put Down?

Buying a car with no money down and bad credit is one thing, however, also having the lender or dealer that can get you cheaper car payments is another. A lot of times you never see both of these scenarios at the same time. The truth is that most used car dealers will advertise for "0 down cars" or "0 down car loans" but that's not always true or there is fine print that no one can see. To qualify for a no money down car loan you typically have to have a higher credit score rating and excellent car loan history with payments. Majority of the people who qualify for a no money down car loan is able to afford a sizeable down payment.

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as of 03/04/2024

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