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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 tools and financial calculators, publishing original and objective content. This allows you to conduct research and compare information for free to help you make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site are from companies that pay us. This compensation may impact how and when products appear on this website, for example, for example, the sequence in which they be listed within the categories of listing and other categories, unless prohibited by law. Our mortgage and home equity products, as well as other home loan products. However, this compensation will not influence the information we provide, or the reviews you see on this site. We do not contain the vast array of companies or financial offerings that could be available to you.



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4 min read. Published December 11, 2022
Authored 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 financial matters. She also works full-time as a worker at her local library where she helps her community gain access to information on financial literacy, as well as other topics.







Editor: 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 through providing clear, well-researched information that breaks down otherwise complex topics into manageable bites.









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Used cars depreciate in a much slower manner than new cars, making them a great option when you're looking for a cheap lease. They're harder to find, however, and the limited available used cars have further reduced the market. Additionally, you might not be able to recover the money you put into the down payment, that you will not get back when your lease ends. Still, you could be able to save every month quite a bit. If you're in the market for newer vehicles that haven't seen much use and wear, a used lease on a car could be the best option for you. 3 steps to lease a secondhand car . Leasing a second-hand car is . You'll have to research the car and negotiate in conjunction with your dealer. Since they're rarer, there is a little more legwork involved in finding an affordable price. 1. Find lease options. Not every dealer offers leases for used vehicles. You are more likely to get leases on certified used (CPO) vehicles, which are generally only offered by an authorized franchise dealer. You will also want to call or send an email ahead of time to ensure that the dealer is able to set up used leases for cars. Research the latest models that you might like to lease. And, most importantly do a comparison shopping. Even if you aren't buying the vehicle, look up the prices they're listed for on websites like Edmunds as well as Kelley Blue Book. This can be a good starting point during negotiation. 2. Talk to the dealer once you've located a dealer who offers used car leases and you have priced shopped, it's now time to . Like a new car lease, the cost of an used lease on a vehicle is based on an amount of money -- like the interest rate of the loan. You will be able to negotiate this with regard to mileage limits as well as residual values. Negotiation is similar to buying a car. You need to make sure you're getting a fair price on the total price, which includes taxes, fees and money you are putting down. 3. Be aware of the contract. Your contract should include charges and mileage limits, as well as the maintenance that is and isn't covered and a . Pay attention to any additional fees that you do not want included. Extended warranties can be useful in certain situations, however the majority of CPO vehicles come with a manufacturer warranty. This will also include the expected depreciation and residual value at the end period of lease. Confirm these match your negotiated numbers prior to signing. There are disadvantages to leasing a used car Other than limited inventory, many of the drawbacks of leasing a car used are identical to . A leased car will still cost less monthly than buying, however, it will not save you as much as . Similar to buying a brand new car instead of an used vehicle, a used lease will have a higher rate of return than a new lease. Also, you are responsible for any wear and tear that is beyond what the dealer considers "normal." It will be determined by the contract you signed but expect to pay extra for any scratches or dings once your lease is up. Maintenance expenses are another significant one. Maintenance visits, oil changes and anything not covered by warranty is your cost. Used car leases aren't common and require additional effort to locate dealers that offer them. Also, since there is a shortage of semiconductors there's less stock available and this could be a further issue in locating a suitable bargain. Mileage limits are one of the biggest drawbacks for those who are a commuter or love driving. Your lease contract will restrict you to 12,000 to 15,000 miles per year and will charge you extra if you go over. What are the differences between car loans are different from leases Car loans have an upfront cost followed by installment payments for a set time. Leases are characterized by a lower upfront cost, and the person leasing is only responsible for depreciation on the car over the lease period. Both loans and leases loans have many pros and cons. The most significant differences lie in terms of monthly payments and maintenance, as well as the mileage and ownership. Monthly payments: Monthly payments for leases on cars are generally lower since you only pay to use the car. When you take out an auto loan you pay for the right to purchase the car. Maintaining: This is generally covered by leases for vehicles but purchasing a vehicle will make you accountable for all charges and maintenance requirements. The use and mileage of leases include mileage and other charges related to the lease. The purchase of a car is not subject to a mileage limit , but a high mileage affects the car's resale or . Alternatives to leasing a second-hand car You have two main alternatives: outright or look into lease swaps. A used car is the most economical option is usually to . The car will be yours at the end of your contract and you have the choice of selling the vehicle or drive it to the end. It opens you up to depreciation and the potential of being in the position of being upside-down on your loan. For most, this is the most convenient method to afford a vehicle. If you fall in love with the vehicle you've leased it is likely that you'll have the option of buying it at the time the lease ends. Thus, leasing used may be a great way to get in the cost of a few low monthly payments before committing to buying a vehicle. Lease swaps Sites for trading leases like LeaseTrader will help you locate good deals from people looking to terminate their lease in the early hours. The cars you find may not necessarily be considered "used" in the eyes of dealers but they've been subject to some actions from another owner. The next step is to look up the latest models and dealers in your local area. It's not difficult to find a used vehicle to lease however, in the current climate it's a challenge. Once you find a second-hand car lease, make sure that it's a budget-friendly option that suits your lifestyle. Find out more


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Written by Business and personal finance contributor

Kellye Guinan is a freelance editor and writer with more than 5 years experience working in the field of personal finances. She is also a full-time worker at her local library, helping the community gain access to information on financial literacy, as well as other topics.



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 committed to helping readers gain the confidence to manage their finances with precise, well-researched and well-documented data that breaks complicated topics into bite-sized pieces.






Auto loans editor




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