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Car-lease incentives: what you need to know Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by providing you with interactive financial calculators and tools as well as publishing honest and original content, by enabling you to conduct research and compare information for free and help you make informed financial decisions. Bankrate has agreements with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site are from companies who pay us. This compensation can affect the way and when products appear on this website, for example, for example, the sequence in which they appear within the listing categories in the event that they are not permitted by law. Our mortgage, home equity and other products for home loans. This compensation, however, does not influence the information we publish, or the reviews appear on this website. We do not include the entire universe of businesses or financial deals that might be accessible to you. Westend61/Getty Images

4 min read. Published on October 27, 2022.

Writer: Anna Baluch Written by Contributing writer Anna Baluch is a former Bankrate contributing writer. She is a personal finance freelance journalist from Cleveland who loves writing about mortgages, debt and student loans, auto loans along with auto loans. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain confidence to take control of their finances through providing precise, well-studied information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate promises

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There are money-related questions. Bankrate has the answers. Our experts have been helping you master your finances for more than four decades. We are constantly striving to give our customers the right guidance and the tools necessary to be successful throughout their financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our content is honest and accurate. Our award-winning editors and journalists create honest and accurate content that will help you make the best financial decisions. The content we create by our editorial team is objective, truthful and is not influenced by our advertisers. We’re transparent regarding how we’re in a position to provide quality content, competitive rates and useful tools to you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or when you click on specific links on our website. Therefore, this compensation may affect the way, location and when products appear in listing categories and categories, unless it is prohibited by law. We also offer mortgage or home equity products, as well as other products for home loans. Other factors, like our own website rules and whether the product is available in your region or within your own personal credit score could also affect how and where products appear on this website. While we strive to provide the most diverse selection of products, Bankrate does not include information about each credit or financial item or product. If you are considering leasing a car, there are a few key factors that you need to be aware of the incentives you may receive. Car lease incentives are not exactly like the incentives you receive when you purchase a new car. And it’s vital to understand the ins and outs of these benefits to ensure that you get the best deal when leasing a vehicle. What are car-lease incentives? Car-lease incentives are perks that automakers offer to encourage buyers to lease vehicles. Car-lease incentives are frequently advertised by automakers and can advertise them on their websites, as well as through advertisements, radio and direct mail advertisements. The purpose of incentives for car leases are to help make the leasing of a specific type of car cheaper and appealing. Three kinds of car lease incentives before heading to the dealership, there are three common types of car-lease incentives to be aware of. 1. Cash incentives offered for leasing cars are similar to the ones you receive when purchasing a car. The rebate, which is for an amount that is fixed and is decided by the car manufacturer and is applied to the overall price tag for leasing the car which means you can cut down on expenses. The amount of the rebate may vary based on the lease term you choose. The rebate’s restrictions are spelled out on the site of the automaker usually in the fine print of the section on offers. 2. The subsidized interest rate involves the auto manufacturer offering a lower interest rate to people with good credit ratings who make use of the automaker’s lending arm, like Ford Credit or Toyota Financial Services. It’s sometimes referred to as an «lease deal» for a specific . You’ll need to evaluate the interest rate to the financing you can get from a different lender to determine which is better. Examine all the specifics of the lease terms to ensure an accurate comparison. 3. Subsidized residual value Residual values — and subsidized values are significant aspects of the price you have to pay for leasing a car. A vehicle’s residual value, which is set by the leasing company is a rough estimation of what the vehicle will be worth when the lease expires. This number is crucial as the amount you pay for the lease is the difference between the value of the vehicle at the beginning of the lease and its residual value at expiration of the lease. If a car’s price was $25,000 when it came out at the time of the beginning of a lease for example, and its residual value is $10k, the lease cost for the car is $15,000the cost of which is divided into monthly lease payments. To encourage you, automakers or leasing companies may subsidize leases in order to make your payments less. Automakers will often offer either an interest rate that is subsidized or a reduced residual value for a car, but not both. These aren’t easy to understand however, so you may be required to inquire. Benefits of car lease incentives If you are able to secure a car lease incentive, you could benefit from it in several ways. Lower payments You may benefit from lower monthly payments which could help you to free up cash and make it more affordable to drive the car you’d like. These lower payments are possible by taking advantage of the «lease deal» that the automaker will provide, which will keep your interest rates low or even by using the cash reward as an down payment. Cash in hand You may receive an automaker’s check or put the cash toward the total amount that the lease will cost. The bank’s extra cash is always a benefit when it comes to vehicle financing. However, be aware of any restrictions that might apply. For instance, you might have to work with the finance company for your car manufacturer in order to avail this benefit. A better car for less You could drive home with a car that has every bell and whistle for a price you can afford. In the event that you’ve been wanting to drive a specific car but aren’t able to purchase it, an incentive may allow you to drive it for a couple of years. The key to driving away with a top car and less money spent comes from the residual value that is subsidized. It helps keep your monthly payments at a minimum, and keeps the value of your vehicle to be high. What should you be aware of Even though car lease incentives provide quite a few perks however, there are two main possible drawbacks when signing with a huge cash reward. Extra mileage fees is important to read the specifics in relation to a high cash rebate. In many instances you might be charged costly charges for exceeding the mileage limit. Each dealer is different however, it can be anywhere from 15 to 25 cents a mile. Think about the miles you clock in a daily basisand whether you are planning any upcoming trips — when you decide to sign off on a cash rebate. Balloon payment The automaker may also need a balloon payment which is a larger one-time payment that is due at the end of the lease. If your budget doesn’t permit you to make this payment, you may put yourself in a bad position. Just keep in mind that if you find incentives for leasing cars that sound too appealing to be authentic, . Be aware of your state. While car lease incentives offer a number of advantages but they also have a major disadvantage: Some states tax car incentives as well as rebates. If you’re in a state that does tax incentives, you could be required to pay taxes on the full cost of the car prior to the incentive is used. There’s no need to fret about this issue if you reside in one of these states that do not tax incentives : Alaska

Louisiana

Nebraska

Rhode Island

Arizona

Massachusetts

New Hampshire

Texas

Delaware

Minnesota

Oklahoma

Utah

Iowa

Missouri

Oregon

Vermont

Kentucky

Montana

Pennsylvania

Wyoming

The most important thing to remember is that before you jump at any car-lease incentive, read the details. Be sure to understand how lease cash rebates, subsidized interest rates and residual values impact your out-of-pocket costs. Take note of the disadvantages of incentives, like penalties for exceeding the mileage limit and the hefty, one-time balloon payments. The most important thing is to think about all the lease terms and whether the lease is a good fit for your budget before signing the contract. Learn more

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Written by Contributing writer Anna Baluch is a former Bankrate contributor. She is a personal finance freelance journalist from Cleveland who loves writing about mortgages, debts, student loans as well as private loans along with auto loans. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain confidence to control their finances through providing concise, well-researched and well-documented details that cut complicated subjects into bite-sized pieces.

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