Should I Buy or Lease?

2020 Mazda CX-5 Parked on Road

When the time comes to get behind the wheel of a new vehicle, you’ll want to know if you’re buying or leasing it from the dealership. As with most things, there are pros and cons to both. Learn more about both to see if you should buy or lease your next vehicle from Tracy Mazda. Check out our available guide from the finance team at Tracy Mazda near Stockton then check out our online inventory to find the model that’s right for your daily commutes.

Benefits of Buying

There are quite a few things to consider when looking into buying or leasing a new vehicle. For those who drive often or that take long trips, buying will be a better option for you. Here are a few of the benefits of buying your next vehicle:

  • No Mileage Restrictions — A leased vehicle can’t be driven over a set mileage amount. That’s fine if you drive mostly short and moderate distances around Manteca, but will be an issue if you often travel between cities.
  • Freedom to Customize — Owning the vehicle means you can add on additional accessories or packages to express your personal style. By contrast, custom options are limited for leased vehicles.
  • Sell Anytime — Owning your vehicle means you’re free to sell anytime you wish, without waiting for a lease term to end.
  • Bad Credit Financing — Drivers with less-than-perfect credit scores have more options when it comes to financing. Buying gives you the option to refinance your loan to get lower interest rates and lower monthly payments.
  • Save Money Over Time — While buying may cost you more upfront, you save money over the course of your loan as you make progress paying it off. In fact, your car becomes less expensive the longer you own it.
Man driving a Mazda CX-9

Benefits of Leasing

The biggest benefit of leasing is the lower monthly payments. When you lease, vs. buying a vehicle, you’re more likely to be approved for a loan no matter your credit score, and your payments will be lower than if you were buying. Other leasing benefits include:

  • Lower Upfront Payments — Not only will you pay less per month on a lease vs. buying, but your down payment and other upfront costs will also be lower.
  • Lower Sales Tax Rates — In most states, the tax rates for leasing a vehicle are far lower than if you buy. Some states only tax your down payment and monthly payments.
  • Trade-In and Trade-Up — Trading in your leased vehicle at the end of your lease term is easy. Simply bring your car to the dealership you leased from, and you’ll drive home to Lanthrop in your next Maza lease.
  • Save On Your Next Lease — Trading in a leased vehicle will save you money on your next lease. Value your trade with Tracy Mazda to see how much you can save!
  • Excellent Warranty Coverage — Just like with buying, comprehensive warranty coverage comes standard with your new Mazda.
  • Upgrade to New Tech — Leasing lets drivers choose from a new vehicle every few years. This means gaining access to exciting new infotainment and safety technology features as soon as they’re available.
  • Bad Credit Lease — Leases are less of a long-term financial commitment and are also possible for drivers with damaged credit.

Explore Leasing vs. Buying Options with Our Finance Team!

Still asking, “should I buy or lease that new Mazda for sale Tracy?” Contact our finance team to learn more about your options, the steps we’re taking against COVID-19, and more. At Tracy Mazda we also offer Mazda lease deals and more for additional savings. Already know what you’re looking for? Apply for financing online to get the process started.

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Tracy Mazda 37.7620885, -121.4676856.