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How to lease a used car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive financial calculators and tools as well as publishing objective and original content. This allows you to conduct your own research and compare information for free and help you make financial decisions with confidence. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The deals that are advertised on this website are provided by companies that pay us. This compensation can affect the way and when products are featured on this website, for example for instance, the sequence in which they appear within the listing categories and other categories, unless prohibited by law. Our mortgage and home equity products, as well as other products for home loans. But this compensation does affect the information we publish, or the reviews you see on this site. We do not include the entire universe of businesses or financial offerings that could be available to you.



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4 min read Published December 11, 2022
Written by Kellye Guinan. Written by Personal and Business Finance contributor

Kellye Guinan is a freelance editor and writer who has more than five years of experience in personal finance. She is also a full-time worker at her local library where she helps her community access information about financial literacy, in addition to other topics.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to manage their finances with concise, well-researched and well-constructed information that breaks down otherwise complicated topics into bite-sized pieces.









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The value of used cars declines in a much slower manner than new vehicles, making them an excellent choice if you want a low-cost lease. They're difficult to find but the lack of availability of used cars has diminished the market. In addition, you may not recoup the amount you pay for the down payment, which you won't get back when your lease ends. However, you may save quite a bit each month. If you are seeking newer vehicles that haven't seen much damage, then a used car lease could be right for you. 3 steps to lease a secondhand car . Leasing a second-hand vehicle is . It is necessary to research the vehicle and bargain with the dealer. However, since they're more rare and more expensive, there's more effort involved in finding a good deal. 1. Find lease options. Not every dealer offers leases for used vehicles. You are more likely to locate leases for certified pre-owned (CPO) automobiles, which are generally only offered by an authorized franchise dealer. You should also contact or email prior to time to make sure that the dealer can arrange used car leases. Research the latest models you may want to lease. Also, comparison shop. Even if you're not buying the car, take a look at the price they're selling for on sites like Edmunds as well as Kelley Blue Book. This will give you a great start in negotiations. 2. Talk to the dealer once you've found an agent that provides used car leases and price shopped, it's time to . As with a new lease on a car, the price of an used lease on a vehicle is based on an amount of money -- like the interest rate for a loan. You will be able to negotiate this along with mileage limits in addition to the residual amount. Negotiation is similar to buying the car. It is important to ensure that you are receiving a fair price for the total cost, which includes taxes, fees and cash you're paying. 3. Be aware of the contract. Your contract should include charges, mileage limits, the extent to which maintenance is covered and a . Pay attention to any add-ons that you don't would like to include. Extended warranties can be useful in certain circumstances, however, the majority of CPO vehicles have a manufacturer's warranty. It will also include the expected depreciation as well as the any residual values at conclusion term of your lease. Verify these correspond to your contracted numbers before signing. There are disadvantages to leasing a used vehicle Other than the limited supply The drawbacks of leasing a car used are similar to . A leased car will still cost less than purchasing, however it won't cost you as much as . Similar to buying a brand new car versus used, a used lease will come with a higher percentage than a brand new lease. Also, you are responsible of any damage above what your dealer would consider "normal." The amount is contingent on the terms of your lease but expect to pay extra for any scratches or dings after the lease expires. Maintenance costs are another major one. Repairs to your engine, visits to a mechanic and anything not covered by warranty is your cost. Used car leases are uncommon, so it will take extra work to find a dealer that offers these services. Additionally, due to a shortage of semiconductors, there's less inventory and this could be a further issue in locating a suitable deal. Mileage limits are one of the biggest drawbacks for those who have a long commute or like driving. The lease agreement will limit you to between 12,000 and 15,000 miles per year and may charge additional fees when you exceed. What are the differences between car loans are different from leases Car loans require an upfront fee that is followed by installment payments for a set period. Leases involve a lower upfront price, while the person leasing is only responsible for depreciation on the car during the lease term. Both loans and leases loans have many advantages and disadvantages. The most significant differences lie in the form of monthly payments maintenance, usage, the mileage and ownership. Payments for monthly: Monthly installments for car leases are typically lower since you only pay for the use of the vehicle. If you get a car loan you pay for the right to own the vehicle. Maintenance: Maintenance is usually covered by leases for vehicles however, purchasing a car makes you responsible for all charges and maintenance requirements. Utilization and mileage: Leases include mileage and other charges that are associated with the lease. A car purchase does not have a mileage limit , but a high mileage affects the car's resale or . Options to rent a used car There are two main alternatives: either buy the car outright or consider lease swaps. Buying used The most economical option is generally to . The car will be yours at the expiration of your contract and you have the option to either sell the vehicle or drive it to the close of the contract. It opens you up to the possibility of depreciation, and also of being in the position of being upside-down in your loan. For some, leasing is their most convenient method to afford a car. Of course, if you fall in love with the car you lease it is likely that you'll have the option to buy it at the expiration of the lease. So, leasing used could be a good way to make a few cheap monthly payments before you commit to purchasing a vehicle. Lease swaps Websites that trade leases such as LeaseTrader will help you locate excellent deals from those who want to end their lease contract in the early hours. The cars you find might not be "used" in the eyes of dealers however they may have been subject to some actions from another owner. The next step is to look up new cars and the dealers that are in your local area. It's not difficult to find a used car lease however in the current marketplace it's a challenge. If you do locate a used car to lease, make sure it's an affordable choice that is compatible with your driving style. Learn more


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Written by a Personal and Business finance contributor

Kellye Guinan is a freelance editor and writer who has more than five years ' experience within personal financial matters. She is also a full-time employee at her local library, where she assists her community access information about financial literacy, as well as other topics.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers to control their finances by providing concise, well-researched, and clear information that breaks down otherwise complex topics into manageable bites.






Auto loans editor




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