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Should you lease or purchase an electric vehicles? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering interactive financial calculators and tools, publishing original and objective content. This allows you to conduct your own research and compare data for free and 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 money The products that appear on this site come from companies who pay us. This compensation can affect the way and when products are featured on the site, such as for instance, the sequence in which they be listed within the categories of listing, except where prohibited by law. Our loans, mortgages, and other home lending products. However, this compensation will have no impact on the content 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 accessible to you.



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

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of using loans to buy the car they want.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping their readers gain the confidence to control their finances with concise, well-researched and well-read facts that break down otherwise complex topics into manageable bites.









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The market has exploded over the past year, hybrids and electric vehicles accounted for 4.5 or 6.6 percent of registrations in the period from January to June 2022, respectively, according to a 2022 second quarter market trends report by . However, even as alternatives beyond Teslas and Toyotas grow, diving in the deep end to a new car can be daunting. In addition, with an average cost of more than $66,000 on the table for an electric vehicle the choice is loaded -- financially and logically. If you fall into a class of curiosity and not conviction, an electric car will help you determine whether an eco-friendly vehicle is right for you, while is best for drivers ready to commit. Leasing versus buying an EV
The lease of an electric vehicle can allow you to experience hands-on driving an otherwise expensive vehicle however, it could cost you more in the end if you surpass restrictions or when you reach the end of your lease.


Do you prefer to lease or purchase electric cars? In terms of the question of whether to go with it, it's fairly easy to decide which option is the best choice for you and your wallet. If you intend to switch up your vehicle every few years and can handle the limitations on mileage, then leasing could be a great option. If you're looking to have the freedom to own your vehicle, buying is the option. But the world of electric vehicles remains just beginning to take off, when sales of electric vehicles increase year over year. So signing off on long-term ownership for a vehicle that is a bit new could be risky. To decide which option is best for you, consider the advantages and disadvantages of each. Leasing an electric car Pros to leasing an EV vehicle warranty Lower monthly payment Newest technology features
Cons of leasing an electric vehicle It is faster to depreciate the vehicle. Also, it is difficult to sell vehicle Vehicle restrictions

Benefits to leasing an electric car advantages of an electric vehicle are based on the added security with a full-service which means fewer trips to the mechanic- a lower monthly cost and access to the newest technology. Warranty for the vehicle generally, leases run for 24 or 36 months. During that time your vehicle may run into technical issues. In the case of EV upkeep, the requirement to replace the battery is the most common issue you might encounter. However, when you lease your car, it is likely that the vehicle will remain covered under warranty. This gives you the opportunity to save thousands of dollars. Lower monthly payment Leasing a car allows you to use the vehicle for a specified duration of time, and then pay each month. It is usually cheaper each month than a monthly car loan for the same vehicle. In addition to the lower monthly cost you'll also pay less upfront and will likely to leave the dealership without any cash down. Leasing costs less
The average monthly cost for leasing a new car during the 4th quarter 2022 cost $540 versus the $667 cost for purchasing, according to .


Latest tech features Although models change from year to year for standard vehicles aren't as dramatic for electric vehicles, the field is advancing at a much more rapid pace. Leasing gives you the opportunity to be at the forefront when it comes to available technologies, instead of having to use the same old additions. The Hyundai Kona for example was upgraded in the 2021 model to 2022 model with a new infotainment center and new driver assistance technology. There are some disadvantages to leasing an electric vehicle While leasing an electric vehicle may expose you to the experience of driving on electric power, it can also have its own disadvantages. Most notably, the issue of lease approval, inability to leave the lease and vehicle restrictions. The approval of a lease to lease the vehicle could be a lot more difficult than obtaining an auto loan particularly for those with poor credit. Even if you are eligible to lease a car even without a perfect credit score, it could result in a higher monthly cost. Consider your credit scores for drivers leasing new cars in the first quarter of 2022 -736, which is higher than the average of 729 for the loan according to Experian. The inability to sell the car leaving a lease on a car isn't simple or cheap. Therefore, if you decide not liking the vehicle that you lease, you'll likely be entangled in the lease , or required to pay substantial penalties to get out of the . Depending on your lessor and the terms of your lease, you could be required to pay for the residual value, in addition to the remaining dues and fees. Car restrictions when signing to a lease you will need to consider a number of things to be aware of such as mileage, maintenance and modifications to the vehicle. If you lease your EV you'll be restricted to driving anywhere from 12,000-15,000 miles per year. You may also have to pay for and cannot customize the car. The benefits of buying an electric car to leasing an EV Full ownership , no limitations on the vehicle Tax incentives and credits
Cons to leasing an EV Pricey upfront cost, rapid changing technology Repair costs out of pocket

The advantages of buying an electric car The main attraction of instead of leasing is the joy of ownership. You can do whatever want with your car without being limited to the lease options the company makes available or worrying about the cost of charges. As an owner of an electric vehicle you are also able to take all the tax benefits and credits that otherwise would be attributed to the leasing company. Full ownership Depending on where you stand financially buying an electric vehicle will allow you to take your time and give you complete control of your vehicle. You'll have a solid knowledge of your total costs before you start worrying about potential wear-and-tear charges that can add to the total cost at the end of the lease. No vehicle restrictions If you believe that freedom and the open road should not limit you, purchasing an electric vehicle could be the right choice for you. It means you won't be held captive by the vehicle odometer, and will be able to enjoy the freedom of the open road. Other than the ability to drive without limitation the full ownership gives you the option of adding any bells and whistles that fit your preferences to create a unique vehicle. Credits and tax incentives purchasing an EV you are able to benefit from a multitude options of incentives. One of them, the , can be valued up to $7500. Many states also offer rebates to lower the cost of purchasing the most environmentally-friendly vehicle. These incentives are available only to the owner of the vehicle. Therefore, if you were to lease you won't be able to benefit from them. Drawbacks of buying electric vehicles The EV market has grown and more affordable options are popping up however, these cars nevertheless have a higher price tag over conventional vehicles. The higher prices are also associated with rapid technological advancements and increased maintenance costs. Expensive upfront cost tend to be much more expensive than traditional vehicles, with an average of $66,997 according to Kelley Blue Book June 2022 data. Electric vehicle drivers typically have similar credit profiles as those who finance luxury vehicles and pay , according to a . This makes approval more of a challenge for borrowers with less-than-perfect credit scores. Saving money and shopping for an electric vehicle requires the same approach as one can use to reduce the cost of an ordinary loan Check out the options before submitting an application for loan and be prepared to walk away. Technology is constantly evolving. Innovation in the field of electric cars is swift, and this is especially applicable when older manufacturers, like Ford which has the Mustang Mach-E and Chevrolet's Bolt have entered the market. However, this also means that you'll have to live with the current technology that is in the car you purchase. While advancements may seem slight to the naked eye, if flashy tech is the primary reason behind a purchase look into leasing to keep up with trends. Repair costs out of pocket As with every vehicle you own, you must pay for any maintenance that is required in the course of ownership. But with an EV, this maintenance may be more costly than regular trips to the mechanic. Although the warranty for the battery's component is likely to extend five to the 10-year mark, EVs require replacement for other costly repairs like screens and advanced system updates. The bottom line It is recommended to consider the issue of leasing versus purchasing an electric vehicle the same way you would with a traditional car. For some, the benefits of the latest technology might outweigh the disadvantages of ownership full-time 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, to understand the extra costs that come with ownership and to take advantage of . leasing an EV contrary to what you might think is as demanding that it typically. Check out a few leases and understand the whole of the agreement before signing an agreement to lease.


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Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the details of using loans to buy an automobile.



The edit was done 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 the confidence to take control of their finances by providing concise, well-researched and well-informed facts that break down otherwise complex subjects into digestible pieces.






Auto loans editor




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