Car loan vs leasing

compare total cost: annuity, residual value, fees

Car & loan

Car price, ₴

Down payment, ₴

APR, %

Term, months

One-off fee, %

Leasing

Advance, ₴

Rate, % APR

Term, months

Residual value, %

Loan

Payment/mo13 257,00 ₴

Fee4 800,00 ₴

Overpayment320 225,00 ₴

Total920 225,00 ₴

Leasing

Payment/mo10 203,00 ₴

Residual buyout60 000,00 ₴

Overpayment129 720,00 ₴

Total729 720,00 ₴

Leasing is cheaper by 190 505,00 ₴ over the term.

Both payments are annuities. In leasing the financed body = price − advance − residual; the residual is paid at the end. For businesses leasing adds tax benefits (expenses, VAT credit) — this compares cash flow only.

About Car loan vs leasing

Car loan vs leasing — total cost comparison: annuity, residual value, fees. Auto: Tools for drivers. Use our tools without registration or installing software. All calculations happen in your browser — your data is never sent to a server.