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Lease VS. Buy

Is it better to Lease or Buy?

To choose between a vehicle lease or loan, you'll need to compare your total costs over the term of the arrangement. This calculator will give you a rough estimate of the costs involved, as well as a comparison between "lost interest" costs related to your initial expenses. It will even calculate your estimated monthly lease payment and/or your monthly loan payment if necessary.

Start with Line 1 and work your way through the entry fields and then click on "Compute" to arrive at cost figures.

Description

(A) Lease:

(B) Loan:

Instruct/Explain

1. Purchase price:

2. Sales tax rate:

3. Fees:

4. Cash Down payment:

5. Net Trade-in allowance:

6. Rebates:

7. Term (in months):

8. Interest rate (APR):

9. Monthly payment:

10. Security deposit:

11. Estimated resale value:

12. Annual savings rate:

13. Year #/% Deprec.

1

2

3

4

5

6

7

8

9

10

Description

(A) Lease:

(B) Loan:

Instruct/Explain

14. Monthly payment:

15. Total of payments:

16. Total interest expense:

17. Net upfront expenses:

18. Depreciation expense:

19. Forgone Interest earnings:

20. Total cost:

21. Average cost per year:

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Valley Auto Sales
P.O. Box 3053
1361 E. State St.
Sharon, PA 16146
724-981-9222

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