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Should you lease or buy the electric vehicle? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive tools and financial calculators as well as publishing quality and impartial content. We also allow users to conduct research and compare information for free to help you make informed financial decisions. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this site are from companies that compensate us. This compensation can affect the way and when products are featured on the site, such as for instance, the order in which they may appear within the listing categories in the event that they are not permitted by law. This applies to our mortgage, home equity and other products for home loans. However, this compensation will have no impact on the information we publish, or the reviews that you read on this site. We do not cover the universe of companies or financial offers that may be accessible to you.



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6 min read Published September 23, 2022
Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ins and outs of securely borrowing money to purchase an automobile.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to take control of their finances with precise, well-studied facts that break down complicated topics into bite-sized pieces.









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The market has exploded over the last year. hybrids and electric vehicles comprised 4.5 and 6.6 percent of new registrations between January and June 2022, according to the 2022 second quarter market trend report by . But even as options beyond Teslas and Toyotas grow, diving in with both feet into a new vehicle type isn't easy. With an average cost of over $66,000 on the table for an electric vehicle, the options are endless -- financially and logically. If you fall into a category of curiosity rather than confidence, an electric vehicle can help you determine whether an eco-friendly vehicle is the best choice for you and is a good choice for those willing to commit. Leasing versus buying an EV
A lease on an electric vehicle could provide you with hands-on experience of the vehicle that is otherwise costly, but can cost more in the long run , if you surpass restrictions or at the end of your lease.


Is it better to lease or purchase an electric car? When it comes to the question of whether to it is fairly simple to figure out which is best for your budget and you. If you plan to change up your vehicle every few years and you are able to manage the limitations on mileage, then leasing could be a great option. If you're looking for the flexibility of ownership then buying is the most suitable option. But the world of electric vehicles is just beginning to take off, with EV sales increasing every year. Thus, taking on long-term ownership for a vehicle that is a bit new isn't always a good idea. To decide which is the best option for you, consider the advantages and drawbacks of each option. The pros to leasing an EV Vehicle guarantee Lower monthly payments Newest tech features
Cons to leasing an EV It is faster to depreciate the vehicle. Also, it is difficult to sell vehicle Vehicle restrictions

Benefits of leasing an electric car advantages to an electric car include increased security with a full-service that means less visits to the mechanicand a lower monthly price and access to the newest technology. Vehicle warranty Generally, vehicle leases run for 24 or 36 months. During that time your vehicle may encounter technical problems. When it comes to EV maintenance, the need for a new battery is the most common issue that you may encounter. However, when you lease the vehicle, it will remain covered under warranty. This gives you the opportunity saving thousands. Lower monthly payments Leasing a car allows you to drive the car for a predetermined period of time and pay each month. It often costs less each month than the monthly car payment for the same car. On top of the lower monthly cost, you will also spend less money upfront and likely quit the dealership without any cash down. Leasing costs less
The average monthly cost for leasing a new car in the fourth quarter of 2022 was $540, compared to $667 for buying as per .


Latest tech features Although the changes in model year-over-year for standard vehicles aren't significant, the field of electric vehicles is growing at a faster rate. Leasing gives you the opportunity to stay ahead of the curve in terms of available technologyinstead of having to use the same old accessories. The Hyundai Kona for example has seen some significant improvements from the 2021 to 2022 model which include a modernized infotainment system and new driver assistance technologies. There are some disadvantages to leasing an electric vehicle Although leasing an electric vehicle can give you the opportunity to experience the thrill of driving on electric power, it can also have its own disadvantages. Primarily the challenge of lease approval, inability to quit the lease, and vehicle restrictions. Lease approval to lease the vehicle could be a lot more difficult than for an auto loan -- especially for those with low credit scores. Although you still may be permitted to lease even with a perfect credit score, it's likely to mean a steeper monthly payment. Think about the average credit score for those leasing new cars during the 2nd quarter 2022 -736 -- that is above the average of 729 for a loan, according to Experian. The inability to sell the car The process of letting a car lease end isn't simple or cheap. So if you end up not liking the vehicle that you lease, you'll likely remain in the lease , or forced to pay huge fees to end the . Depending on your lessor and the terms of your lease, you could be required to pay for the residual value in addition to any remaining dues and fees. Vehicle restrictions When signing off on an there are a few main factors to consider such as mileage, maintenance and modifications to the vehicle. If you lease your electric vehicle, you'll likely be restricted to driving from 12,000 to 15,000 miles a year. You could also be required to pay for maintenance and can't modify the car. If you are considering buying an electric vehicle, there are pros to leasing an EV Full ownership , no restrictions on vehicle size Tax incentives and credits
There are disadvantages to leasing an EV Expensive upfront cost Rapidly changing tech Out-of-pocket repair costs

Benefits to buying electric vehicles The major attraction of instead of leasing comes down to the excitement of full ownership. You can do whatever want with your car and not be restricted by what the leasing company has available or worrying over fees. As an owner of an electric vehicle you are also able to take full advantage of tax incentives and credits that would otherwise be directed to the lessor. Full ownership Depending on your financial situation, buying an EV can let you go at your own speed and give you complete control of the vehicle. You'll have a solid grasp on your total cost upfront instead of worrying about potential wear-and-tear charges which can mount up after the expiration of the lease. No restrictions on your vehicle If you feel that your freedom on the open road shouldn't have any restrictions, getting an electric vehicle might be the right choice for you. It means you won't be held captive to the odometer on your vehicle and you can take advantage of the open road. Apart from the ability to travel without restriction and with complete ownership, you have the option of adding any bells or whistles that are your preference to personalize your vehicle. Tax incentives and credits purchasing an EV, you can benefit from a multitude different financial rewards. One of these is the tax incentive, which can be valued up to $7500. Many states also offer rebates to lower the price of acquiring an environmentally friendly vehicle. These incentives are available only to the owner of the vehicle. Therefore, even if you lease the vehicle, you won't be able to benefit from them. There are some disadvantages to buying an electric car The EV space has expanded and more economical alternatives are appearing, but these vehicles do still tend to carry costs that are higher over conventional vehicles. Prices are higher, but they also include quickly changing tech and higher maintenance costs. The upfront costs for expensive vehicles tend to be much more expensive than conventional cars, with an average of $66,997 as per Kelley Blue Book June 2022 data. Electric vehicle drivers typically have almost identical credit histories to those financing luxury cars and pay , according to an . This makes the process more difficult for those who have less than perfect credit scores. Shop and save Borrowing money for an electric vehicle requires the same approach as one would take to save money on a conventional loan: Shop around and then apply for a loan and be prepared to turn down the loan. Technology is constantly evolving. Innovation in the field of electric cars is rapid and especially applicable when older brands, such as Ford which has Ford's Mustang Mach-E and Chevrolet's Bolt are able to enter the market. But this growth also means that you'll be stuck with the current technology that is in the car you purchase. Although the latest developments may appear minor to the naked eye, if flashy tech is the primary reason behind a purchase, consider leasing to stay on top of the latest fashions. Out-of-pocket repair costs As with every vehicle you own it is your responsibility to pay for any maintenance that is required in the course of ownership. However, when it comes to the electric vehicle, this maintenance can be much more costly than regular trips to the mechanic. While the warranty on the battery component will likely extend five to 10-years, EVs require replacement for other expensive repairs such as screens and advanced system updates. The bottom line is it is recommended to consider the issue of leasing versus buying an EV in the same way as when for a conventional car. Some people find the benefits of the newest available tech may outweigh the lack of ownership in full and, for others, getting behind the steering wheel of a car with confidence and incentives makes more sense. If you decide to purchase an EV make sure you understand the additional costs associated with ownership and take advantage of . Lease an EV contrary to what you might think will require the same care as it would typically. Review a few offers and understand the whole of the agreement before signing the lease.


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Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ways and pitfalls of taking out loans to purchase an automobile.



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

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain confidence to take control of their finances with clear, well-researched facts that break down complex subjects into digestible pieces.






Auto loans editor




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