My 2¢ for what it's worth.
If you plan on keeping for over 3 years BUY, under Lease. However, I'm in a suburb of Detroit Michigan and EVERYONE gets some kind of discount from a car company. (We have the big three HeadQuaters, plus Volkswagen HG all within about 35 minutes drive. Because of this used vehicle has about 0 resale value. Every vehicle I've bought, either new or used, and resold I've gotten screwed on. (One was only 3 years old with 9K miles 4WD Truck)...GRRR
My lease was 1,200 Total Out Of Pocket(tax, title,plates...) 2 year 12K per year at 446. (Adventure, Sunroof, Monsoon) GMS was 29,700. (The dealer also gave me 500 to help get out my old lease) The lease kept my payments low and will cost about 11,500. Had I bought the vehicle I would have had to put a ton down to get that payment and probably would have been in about the same ballpark in 2 years when I tried to sell it. (However, the H3 will probably hold its value better the more convential GM stuff I've driven).
Also, check your Credit Union. Mine is about a full % below our banks at 3.65%.
Hope your behind the wheel soon!
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