Struggling with your Buy vs. Lease Decision? Liberty Subaru is Here to Help
There are complex factors that go into the buy versus lease consideration when choosing from our lineups of new Subaru models and pre-owned vehicles here in Emerson, NJ. On one end, the ownership benefits and freedom from mileage and customization restrictions prove beneficial for the purchasing side. You will have the opportunity to negotiate a trade-in value when you do decide to move on from this vehicle sometime down the line, as equity is established and your ownership status is solidified once an auto loan is officially paid off. But for leasing, the lower monthly payments and term flexibility also prove appealing. Other advantages include the opportunity to still operate a new Subaru model with some warranty coverage, less up front money with your investment, and a range of different options when your lease term does conclude.
Finance Experts that Cater this Decision to You
With different variables and personal lifestyle factors to consider, you may need some guidance and outside insight when making this decision. And that is where our finance experts come in, helping you walk through each of the pros and cons on both sides and specifically aligning these considerations with your budget, tastes, and behind-the-wheel outlook envisioned. The benefits of this process are obvious - you feel better informed to make a decision that is tailored to what you value most. With this in mind, you can feel more confident about the investment you choose to make here at Liberty Subaru in Emerson. This reassurance helps to simplify a once complex financing exercise and get you to the right answer faster. To get started, contact our team and arrange a consultation today.
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| Buying |  | Leasing |
| Sizable down payment | Money Down | Less up front money |
| Higher monthly payment | Monthly Payment | Lower monthly payment (up to 60% lower) |
| Negotiated trade-in value | Trade-in | No trade in hassle or negotiation |
| Responsible for maintenance costs after warranty expires | Warranty | Less maintenance - typically always under warranty |
| GAP protection not included - added expense to purchase | GAP Protection | GAP protection included |
| Stagnant technology based on what was in effect at time of purchase | Technology | Technology obsolescence protection |
| No loyalty incentives | Loyalty | Lease loyalty incentives |
| Eligible for all dealer incentives | Incentives | Eligible for all dealer incentives |
| Potential negative equity if you sell your car before it is paid off | Equity | No chance of negative equity |
| Not required to maintain vehicle, but since you may eventually own it, why wouldn't you? | Program Maintenance | Responsible for program maintenance per manufacturers recommendation or you may be charged excess wear and tear |
| The negotiated price of a new vehicle is the same | Vehicle Price | The negotiated price of a new vehicle is the same |
| Insurance payments are the same | Insurance | Insurance payments are the same |
