Leases and loans are simply two different methods of automobile financing. One finances the use of a vehicle, while the other finances the purchase of a vehicle. Each has its own benefits and drawbacks. 

It's not possible to simply say that one is always better than the other because it depends on your own particular situation and preferences.You must not only look at the financial comparisons but also at your own personal priorities and what's important to you

Buying and leasing are different

Choosing whether to lease or buy is an important decision. You should consider leasing, if you'd like to drive a new car every two or three years, prefer lower monthly payments and/or drive less than 12,000 miles per year.

Why does it generally cost less per month to lease a car compared to financing a car?

As an example, if you lease a car that costs $20,000 that will have an estimated value of $13,000 after 24 months, you pay for the $7,000 difference (depreciation), plus finance charges, plus fees. 

When you buy, you pay the entire $20,000, plus finance charges, plus fees. This is fundamentally why leasing offers significantly lower monthly payments than buying.

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