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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 better financial decisions by providing you with interactive financial calculators and tools, publishing original and objective content, by enabling you to conduct your own research and analyze information for free – so that you can make sound 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 website come from companies who pay us. This compensation can affect the way and where products appear on the site, such as the sequence in which they appear in the listing categories, except where prohibited by law for our mortgage or home equity products, as well as other home lending products. But this compensation does have no impact on the information we publish, or the reviews that you read on this site. We do not contain the universe of companies or financial offers that may be accessible to you. Westend61/Getty Images

4 min read. Published 27 October 2022

Written by Anna Baluch Written by Contributing writer Anna Baluch is a former Bankrate contributing writer. She is a personal finance freelance journalist from Cleveland who enjoys writing about debt, mortgages as well as student loans as well as auto loans along with auto loans. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to take control of their finances by providing clear, well-researched information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate guarantee

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You have money questions. Bankrate can help. Our experts have been helping you master your finances for over four decades. We strive to continuously provide our readers with the professional guidance and the tools necessary to be successful throughout their financial journey. Bankrate follows a strict policy, which means you can be sure that our content is truthful and accurate. Our award-winning editors and journalists create honest and accurate content to help you make the right financial choices. The content created by our editorial team is objective, truthful and is not influenced through our sponsors. We’re transparent about the ways we’re in a position to provide quality content, competitive rates, and helpful tools to our customers by explaining how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the promotion of sponsored goods and services or when you click on specific links that are posted on our site. Therefore, this compensation may affect the way, location and in what order products appear within listing categories, except where prohibited by law. We also offer mortgage home equity, mortgage and other products for home loans. Other factors, such as our own proprietary website rules and whether the product is offered in your region or within your own personal credit score may also influence how and where products appear on this site. Although we try to offer an array of offers, Bankrate does not include specific information on every credit or financial products or services. If you’re thinking of leasing a car, there are some important aspects to know about incentives you may receive. The incentives for leases on autos aren’t identical to incentives that are offered when you buy a new vehicle. It is essential to know the specifics of these perks to make sure you have the best price when leasing a vehicle. What are car-lease incentives? Car-lease incentives are perks that automakers offer to encourage buyers to lease vehicles. Automobile manufacturers frequently advertise incentives for car leases and may promote them on their websites, in advertisements, radio and direct mail advertisements. The aim of car lease incentives is to make leasing a specific type of car more affordable and enticing. 3 types of car-lease incentives Before heading to the dealership, there are three types of car lease incentives to be aware of. 1. Cash-back rebates in the leasing of a car are similar to those provided when buying a car. This rebate is for an amount that is fixed, is set by the manufacturer and applied to the overall price tag associated with leasing the vehicle and thus reduces your expenses. The value of a rebate will differ based on the lease terms you select. The restrictions for the rebate are spelled out on the website of the automaker, usually in the fine print in the offers section. 2. Discounted interest rate A subsidised interest rate involves the auto manufacturer providing a lower rate to those with good credit scores who use the automaker’s lending arm, like Ford Credit or Toyota Financial Services. It’s often referred to as an “lease deal” for a particular . You will need to compare this interest rate with loans you can obtain by yourself through a different lender to determine which is more beneficial. Examine all the specifics of the lease agreement to make sure you have a fair comparison. 3. Subsidized residual value Residual values — and subsidized values are crucial elements of the price you pay to lease a vehicle. A car’s residual value, which is set by the leasing company is an estimate of what the car will be worth when the lease ends. This number is crucial because the amount to be paid for the lease will depend on the value of the car at the beginning of the lease , and what it will be worth at the end of a lease. If a car’s price of $25,000 is at start of a lease, as an example, and its residual value is $10,000, then the cost of leasing the car is $15,000- an expense that’s divided into monthly lease installments. In order to encourage customers the leasing company or automaker might offer subsidized leases to reduce your monthly payments. They will typically offer a subsidized interest rate or a subsidized residual value for a car or truck, but not both. The details of these aren’t clear, however, so you may need to inquire. The perks of car-lease incentives If you are able to lock in a car-lease incentive, you could benefit in one or more ways. Reduced payments You can enjoy lower monthly payments, which can free up your cash flow and allow you to pay less to own the vehicle you’ve always wanted. The lower monthly payments can be arranged by taking advantage of the “lease deal” which the automaker may provide that will keep interest rates at a low or through the cash rebate to make down payment. Cash in hand You may receive the automaker’s check or apply the money toward the total amount for the leasing. The bank’s extra cash is always beneficial when it comes to vehicle financing. However, be aware of any restrictions that may apply. For example, you may require the financing company of your auto manufacturer to benefit from this benefit. A more expensive car at a lower price You may go home in a car with all the bells and whistles for the price you can afford. If you’ve always wanted to drive a particular car, but don’t have the money to purchase it, an incentive may let you test take it on for while. The secret to leaving with a great car with less money spent comes from the residual value that is subsidized. It helps keep your monthly payments low, while keeping the value of your car to be high. What to be on the lookout for While car lease incentives offer quite a few perks there still are two main possible drawbacks when signing on a substantial cash refund. Extra mileage fees is crucial to check the specifics regarding a high cash rebate. In many instances you might be charged costly charges for exceeding the mileage limit. Each dealership is unique however, it can cost between 15 and 25 cents a mile. Take into consideration the amount of miles you drive daily -and if you’re planning any planned trips when deciding to sign off on a cash-back. Balloon payments The automaker could also need a balloon payment which is a bigger one-time payment that is due at the end term of your lease. If your budget isn’t able to allow you to make this payment and you’re in a bad position. Just keep in mind that if you find an incentive for car lease that seems too appealing to be authentic, . Check with your state. Although car lease incentives come with notable advantages but they also have a major drawback: Some states tax car incentives as well as rebates. If you reside in a state that has tax incentives, you could be required to pay tax on the total price of the vehicle before the incentive is used. It’s not a problem about this if you live in one of these states that don’t tax incentives : Alaska



Rhode Island



New Hampshire














The most important thing to remember is that before you sign up for any lease incentive, read the fine print. Make sure you understand the ways that cash rebates from leases or interest rates that are subsidized and residual values impact your costs out of pocket. Also note the drawbacks of incentives, such as penalties for exceeding the limits on mileage and steep one-time balloon payment. Most importantly, consider all the lease terms and whether a lease is a good fit for your budget before signing on the contract. Find out more


Written by the writer who contributed to the article Anna Baluch is a former Bankrate contributor. She is a freelance personal finance writer in Cleveland who writes about debt, mortgages and student loans as well as personal loans as well as auto finance. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to control their finances with precise, well-studied details that cut complicated topics into digestible pieces.

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