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9 car leasing traps you should stay clear of in Part Of leasing a Vehicle In this series Leasing a Vehicle

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6 min read Published May 05, 2022
Written by Jackie Lam Written by Contributing writer

Jackie Lam is a contributing writer for Bankrate. Jackie writes about auto loans.

Edited 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 take control of their finances through providing clear, well-researched information that breaks down complicated subjects into bite-sized pieces.

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A car lease may appear an ideal option at first glance However, leases often are accompanied by a myriad of caveats and drawbacks that the negatives exceed the benefits of the arrangement. If you're thinking of leasing a car rather than owning one, be aware of the risks you're taking. As opposed to owning a vehicle, which you could trade in at any time, leasing leaves you with an legally binding agreement- and you'd need to hold on to the car until the lease ends. There are nine traps that you risk falling into when leasing a car. 1. Limitations on mileage that could be costly Many leases include limitations on the amount of miles that you can put on your car every year. As a reference point, U.S. drivers average about 13,500 miles per year, according to the Federal Highway Administration. Certain leases for cars, particularly those touting low monthly payments and annual mileage limits of 10,000 miles or less, says Matt DeLorenzo, a senior managing editor at Kelley Blue Book. Depending on the type of car you're driving, you should expect to pay a mileage penalty of anywhere between 10 and 25 cents per mile in the event that you exceed your annual cap. The more expensive of the car, the higher the fine. If the cost is $25 cents per mile, and you go over the limit by 3,000 miles per year, you'll pay a hefty $750 in added costs. The lesson to take away: If you're considering going the leased car approach, determine how many miles you drive on average each year to ensure you are aware of how much it will run you in the event that you exceed the limit of mileage. 2. Costs for early termination if you want to end your lease early and you want to get out of the lease early, you may have to pay a pretty penny to get out of the contract. It depends on the terms of your lease, but you might have to pay the difference between the amount that the car is depreciating and the amount you spent on it. In some instances the cost could be several thousand dollars. For instance, suppose you lease an automobile worth $40,000. In the course of three years you've spent $18,000. However, the car has been depreciated by $21,000. If that's the case, you could be required to pay the difference between what you've paid for, $18,000 and the amount that the car depreciated $21,000. So, you'll be in the pocket of $3000. Early termination costs could also comprise taxes and a which helps offset the cost to the lender to sell the vehicle. Additionally, you will be accountable to pay any late fees, parking tickets and any outstanding monthly payments. Takeaway: Read the fine print of early termination clauses, DeLorenzo suggests. "Find out precisely how much you'll be required to pay if your lease doesn't run to its end," he says. 3. Low residual value. The residual value represents how much the car will be worth at the expiration of the lease. Let's suppose that the lender believes that the $30,000 car you're leasing right now could be valued at $15,000 within three years. The monthly payment will be calculated to cover that $15,000 loss in value, so a 36-month lease amounts to monthly payments of $416.67 without the interest, taxes or charges. What is the residual value? It is the agreed-upon value of the car at the time the lease comes to an end. The residual value also includes depreciation. 4. A price advertised that demands an enormous down payment. If you see a monthly lease that is advertised at below $200, be sure to do your homework and know what you are engaging in, says DeLorenzo. In most cases, these prices can translate into massive down payments. You should be aware of how much you are being asked to put down to be eligible for low monthly payment. "A $5,000 upfront charge on a four-year lease effectively increases by more than $100 the advertised monthly payment," DeLorenzo says. Takeaway: There is usually an issue if a lease has lower monthly payments: the down payment is substantial. 5. The monthly installments for purchasing in comparison to. leasing Other dealers might attempt to convince you to lease by comparing the monthly payment for the two, and how much lower your payments will be if you choose the leasing option. When you purchase the car, you will be able to own it at the end of your . With leasing, you need to return the car. Don't fall for it when a dealer tries to contrast apples with oranges and explain how much more financially savvy it is to lease a car. 6. Doing nothing to reduce the cost of the car Just that you lease does not mean you don't have to worry about the price tag of the vehicle. It's still important, since what you are paying to lease it largely depends on the cost of the car and its depreciation rate. What you should take away is that the price and the value of your vehicle will be a factor when you lease. 7. Fees at the beginning and the end of the lease. Prior to the lease is signed, make sure to be aware of charges. They could include: Acquisition fee: Also known as an administrative or bank fee it is a one-time fee charged by lenders to tie the lease together. The amount could range between $400 and $900. Taxes on sales and licenses: This might not be included in the monthly payment depending on the state you live in and the individual contract, so be sure to review the specifics. Cost to buy-out: When your lease ends, you will be able to purchase the vehicle, in lieu of it being returned to your lender. Costs associated with the end of lease If you choose to return the car, you'll be responsible for paying end-of-lease fees, also known as a disposition fee. It could include inspection of the vehicle cleaning and reconditioning storage, transportation , and administrative charges. Wear and tear fees: You could be charged for the loss of equipment or if the vehicle has wear and tear that is beyond what's covered in your lease contract. "Check out the specific language regarding what constitutes normal wear and tear' at lease end, and what your responsibility is for repairs or maintenance following lease end," DeLorenzo says. Takeaway: The cost of leasing a car is beyond the monthly installment. Examine all the expenses before signing the line and that includes those that could result from breaking the lease's terms. 8. A longer-term lease that gives you lower monthly payments Let's say that you speak to the lender to bring your monthly installments reduced. They respond, letting you know that , as it turns out they could reduce your monthly payments by prolonging the lease. The truth is you aren't saving any money. Although a longer lease period can mean you will pay less per month, you'll also be paying more interest over the course of the lease. Beware of being deceived by a lower monthly payment due to the longer lease period. If the lender proposes to extend the lease, you'll pay more interest over the long run. 9. The money element While there's no APR with regards to leasing a car, there are financing charges. These are known as the "money factor." The money factor works similar to an interest rate and it determines how much you'll pay in fees for financing. Like you would expect, the higher the amount of money factor, the higher you'll pay. In contrast to interest rates, the money factor is expressed as a decimal. To figure out the cost of your financing as a percentage, multiple 2400 times the amount of money you have to pay by. If your money factor is .0025 6.5%, that's 6 percent. The lesson to remember: When you're looking for a lease for the car, inquire about what the cost factor is. Next steps Protect yourself from falling into one of these car leasing traps by following these easy steps: Understand your needs: When deciding if a lease on a car is right for you, take into consideration how many miles you drive every year, what you can reasonably afford and how leasing a vehicle is compatible with your needs as well as your lifestyle and financial goals. Check your credit: Looking at your credit report before you receive offers can help you have more leverage in negotiating the terms you desire. Shop around: To get the best rates, speak to lenders regarding their terms, based on your credit. You can negotiate what you want to: While there are some things you can't negotiate, such as the purchase fee and the values of residuals, it is possible to may possibly negotiate the disposition fee or the purchase price. Check the fine print carefully There are hidden charges and limitations to the lease which may not be disclosed while you're comparing options. Before signing your dotted line be sure to study the fine print. The bottom line By understanding the process of leasing a car and knowing the expenses, you can steer clear of the common rental traps to save cash. Along with remaining alert to leasing pitfalls to steer away from it is recommended to plan to prepare ahead of time to be able to go into the leasing department with confidence and understanding. Find out more

Written by a contributing writer

Jackie Lam is a contributing writer for Bankrate. Jackie writes about auto loans.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping their readers to control their finances by providing clear, well-researched data that can break otherwise complex subjects into digestible pieces.

Auto loans editor

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