Since there's no one-size-fits-all scenario regarding finance vs. lease, I ask if anyone has a moment to take a peek at my dilemma and let me know their thoughts. This was posted in another thread but it sort of ballooned into its own thing and figured I'd dedicate a post to it. Here it is: Ok, so preliminary, personal scenario with numbers I came up with on the napkin which favors financing over lease based on my $90k configuration. Here goes.. 12k/yr lease-- $10,464 down (includes 2.5k order payment). $1052 per month. (This is using Tesla's lease calculator that states the 7.5k tax credit is already figured into the payment. Finance car @$95,935 (taxes, discount, etc., total out the door)-- 20% down $21,687=$973/month LEASE SCENARIO Shell out roughly half the down payment, make your monthlies for a total of $37,872, then give the car back and get hussy patted on the ass for the $395 disposition fee on your way out. $38,267 total. Vanished. Gone. FINANCE SCENARIO 100% higher down payment versus the lease, but, let's say the car's worth roughly 58k after 3 years and 36k miles (I settled on this number looking at a large number of 2013's on autotrader, both private and dealer advertisements. Pretty sure we're in agreement the 60D w/75 upgrade option will retain a nice value, but let's play a down scenario). Using an amortization chart @1.74% interest over 6.5 years and October 1st as initial payment, in that same month in 2019, you'll have paid $33,031 into the car. Add the $21,687 down payment and you're at $54,718 invested. You can spin the 7.5k tax credit any way you want since a lot of factors are involved in that, but for sake of argument, say you're able to collect the full amount and throw it on top of the car--$62,218 total invested. Minus that from the out-the-door price=$33,717 balance left on the car. So with, without, or meeting the tax credit somewhere in the middle, if you choose to sell at the 3 year mark, you're roughly getting your down payment back to do what you will with, all while building equity and owning the car. My conclusion: If you're fine doubling down on the down payment and exercising a little diligence with a private sale in 3 years (if you even want to sell at that point), financing seems the all-around better bet. Payments with the financing plan are $79/month lower as well. Thoughts?