Nissan's usually gives 0% down to tier 2, better than Honda and Toyota for sure.
Here is the math. Let's say they sell your car for $3000 below MSRP, it puts you at $40K, before $5K in trade in. I assume you pay tax on your own. With zero %, you pay $583 a month. Even at 2%, you are still looking at <$620 or so.
On the other hand if you lease. Let's assume the residual value is 52% on that car. It means you are basically paying 18K on the car. With your $5K on the trade, you are still looking at nearly $450 a month with taxes anyway as 13K cost around that much to lease.
If $400 is all you can afford, I suggest you get a base model. Leasing a fully loaded car is a dumb idea, especially when the base is $10K cheaper
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