Should I Buy or Lease?

Alfa Romeo Models

If you’re shopping for a new Alfa Romeo vehicle for your Cincinnati adventures, you might be asking yourself, “Should I buy or lease?” The answer is: it depends on your finances, driving goals, and preferences. There are benefits to leasing and buying, although one may be a smarter idea for you than the other. Below, we’ve compared lease vs. buying to help you decide which course of action fits you best.

Lease vs. Buying: Benefits of Buying

  • No Mileage Caps: If you spend a lot of time on Dayton roads, buying may be the better option for you. Unlike leasing, buying a car doesn’t come with mileage restrictions.
  • Eventual Ownership: When you finance, you make payments on your auto loan until it’s repaid in full — plus interest. After you’ve repaid your loan, the car officially becomes your property.
  • Personalization: Want to spruce up your Alfa Romeo Giulia or Stelvio with accessories? When you buy instead of lease, you’re free to modify and upgrade your car as much as you’d like.
  • Freedom to Sell: When you lease, you don’t own the vehicle. It’s different when you buy; you’re free to sell it or trade it in.
  • Buying Options: Generally, car financing is a straightforward process, even when you’re financing with not-so-perfect credit. You can shop around for car loan rates and terms that work for your budget.
  • Less Cost Over Time: Initially, buying a car is more expensive than leasing, because you’ll need to put money down and you’re paying on the entire cost of the car. However, as you pay down your auto loan and complete regular maintenance, the car will become less expensive to own over time.

Lease vs. Buying: Benefits of Leasing

  • Low Monthly Lease Payments: Lease payments are usually less expensive than loan payments, because you’re paying on the cost of the car’s depreciation. When you buy, you’re paying for the entire cost of the car. This is why leasing is generally more affordable for Dayton drivers.
  • Less Sales Tax: Leasing lowers sales tax considerably in most states. In some areas, sales tax is only paid on the down payment and monthly payments.
  • Easy Trade-Ins: After your lease ends, you can simply go back to the dealership and trade your leased car for another, or return the car and walk away.
  • Peace of Mind: As long as you don’t exceed your mileage cap, you can expect most routine repairs and maintenances to be covered under warranty while your lease is active.
  • Latest Features: Do you like having the newest technologies? Leasing a new vehicle every couple of years guarantees that you’ll always have the latest infotainment systems, driver assists, etc.

If you’re looking for an even more affordable option whether you lease or buy, check out a pre-owned or certified pre-owned vehicle at Alfa Romeo of Dayton.

Weigh Your Buying & Leasing Options at Alfa Romeo of Dayton

When you compare lease vs. buying, remember the right choice for you depends on what you want from your shopping experience. The best option for another Bellbrook driver may not be ideal for your situation. Contact us at Alfa Romeo of Dayton to schedule a test drive with one of our new models or to get more car-buying tips from our finance experts. Ready to start now? Get pre-approved online before you start shopping! We also have tips for buying a car out of state or deciding if you should finance with a bank or dealership.

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