detansinn

You're basically getting the same deal as the OP from a $$$ perspective with the difference being that you're only getting 30k miles vs 36k.

hankinjax

Thank you all for the answers. Even if I don't lease I will definitely only have the car for only 36 months. If the car costs $111,520 plus $4000 tax (because of trade in tax is lower) for a total of $115,520 at 3.54% interest at 60 months the payments are $2104 a month. The total loan cost for 60 months is $126,217. Let's assume the worst and after 36 months the car is worth what I owe on it. Wouldn't I have paid over the 36 months about the same as if I leased? Sorry if this post is complicated.

yangpei

Main difference is likely the down / cap reduction.

Jumping up to 12k mi/ year adds about $20-30/ month. It's not much, but not sure I need additional miles (my current R8 lease allows 5k miles / year and I have only put 3k miles total in 2.5 years).

AlexCeres

if you put $15k down, a loan will be $1820 a month at 3.5%. Your payments for 36 months will be about $65000 and you’ll left with about $70000 of equity and $43000 of payments for a net of about $26000. This puts you about $25000 ahead of the lease at 36 months.