Should I Buy or Lease?

2021 Jaguar XF

There are a few options when it comes to driving off in a newer model from Rusnak/Pasadena Jaguar. When it comes to choosing whether to buy or lease, trust the Rusnak/Pasadena Jaguar finance experts to help you decide. Learn more about the pros and cons of both buying and leasing with our team today before you choose the option that best suits your needs.

Leasing vs. Buying: Long and Short-Term Costs

  • Leasing offers lower monthly payments off the bat, all other things being equal. This means spending less on taxes and down payments as well as your monthly payments. However, if you start a new lease every few years to upgrade your model, your payments won’t change much throughout the years.
  • Financing gives you a chance to eliminate your monthly payment entirely, and buying used is often more affordable than leasing new. If you pay off your vehicle, you’ll be saving more in the long rong with a vehicle you own versus a vehicle you lease and keep making payments on. Keep in mind, though, that as a vehicle ages, repairs may become more expensive or more frequent.

When it comes down to it, drivers on average keep their vehicles for at least three years. And most drivers want to keep up with the latest new vehicle technology. If this is the case for you, you’ll want to consider leasing. If you want to work to own your next vehicle, finance with our team.

Leasing vs. Buying: Mileage & Restrictions

  • Those who finance with the intent to pursue full ownership will not have to worry about mileage limits or restrictions.
  • Those who lease their vehicles will have to stay within certain strict boundaries, or pay a fee when their lease term comes to a close.

The Bottom Line: Those who commute a short distance will find that the vast majority of leases are suitable for their needs. Those who love their weekenders and road trips will likely find financing to be a better fit.

Leasing vs. Buying: Total Ownership and Customization

  • When you buy a vehicle (or finance its full cost), you can add whatever accessories catch your eye. You can also modify the vehicle more extensively with custom parts or upgrades if you choose, although doing so may void your warranty.
  • When you lease, you’ll need to keep the vehicle as close to factory condition as possible. That’s because the dealership still owns the vehicle and they’ll need to resell it after it leaves your hands.

While off-roading isn’t a particularly popular option in Burbank, many drivers are interested in high-performance models and customization options. Finance is the better choice here, as with a leased vehicle, you can’t make cosmetic changes since the vehicle will need to be returned at the end of the lease.

Leasing vs. Buying: Freedom, Options, & Processes

  • Financing offers flexibility. Though you’ll be locked into a contract, you can sell or trade in the vehicle at any time as long as the vehicle is worth more than you owe. Later down the road, you can even refinance for a lower rate.
  • Leasing is easy and convenient. As long as you take good care of the vehicle while it’s in your possession, and you stay within the mileage limits, leasing could be a great money-saving option. Simply drive the vehicle back to the lease return center at the end of the lease, and you can start a new lease for a newer model that day!

Explore Leasing and Financing Options at Rusnak/Pasadena Jaguar

Start exploring our rotating lease options and financing specials before you apply for financing with our team in Pasadena. We can help you save more on your favorite model. Contact us today for more information as well as with any questions you may have.

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