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Loan or Lease?

We know you have a choice between a loan and a lease. It can be a hard decision. But here are some quick facts between the two that may help make your decision a lot easier.

  • Loan terms are usually between 4 and 6 years. Lease terms are between 2 and 4 years.
  • Loans allowed you to keep the car. When you lease you must return the car at the end.
  • Insurance premiums are usually lower for loan, and higher for leases.
  • Loans require you to pay off the entire thing. When you lease, you may have to pay penalties if you decide to end before the lease is up.
  • There is no mileage limit on a loan. There is a possibility you have a mileage limit on a lease, with extra charges if you go over the limit.
  • If there is a lot of wear and tear on the vehicle, and you have a lease, you may need to pay more when you return it.
  • At the end of the loan, the car is your. At the end of the lease, you have to lease another vehicle.

As you can see there are differences between leasing and loans. If you want a car for the long term, then a loan is what you want. Plus all the stability that comes with that. So just weigh all the factors, and make sure you make the decision you want. Because in the end, it is your finances.

Head over to the quotes section is you deem that a loan is the best thing for you. We will help you get the loan you want in no time at all!

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