I guess it all depends on how long you plan on keeping the vehicle.
I've yet to hear a positive story from leasing or balloon payments. It seems the programs, smartbuy, lease to buy Etc. were created to get folks into cars they normally couldn't afford with very little thought as to what happens at the end of the lease.
I don't understand how someone can afford to take a 20K depreciation in 2 years and still consider a smartlease Etc. a positive thing.
Seems to me keeping a vehicle longer and selling once the depreciation has leveled out or trading for a demo car would be smarter.
I don't think i'll ever buy a new car again.
D
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