I leased my car, but I think I put $6400 down on the lease portion. If I buy the car out at the end of the lease, I'll just pay cash for the residual.
I considered buying the car, but I traded in a three year old car that I had bought and after looking at the financials on that car, I actually would have spent less money had I leased it. Obviously I'm taking the risk that if I decide to buy the Z after the lease, I'll have wasted money over buying it up front, but I like the ability to walk away from the car after 39 months if I want to.
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