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from The Complete Car Cost Guide

Comparison: Cash, Loan, Lease

This example illustrates a typical lease and loan arrangement for a mid-priced 1998 sedan. If you pay cash for the car, you will end up paying less than if you finance or lease the car for 36 months. This is true even after taking into account any investment income or "opportunity cost" that you may earn if you invest the $21,500 and withdraw the lease payments as you need them (or if you finance the car and withdraw the down payment and monthly payments as you need them).

1998 The Complete Car Cost Guide™ IntelliChoice® Inc. Campbell, CA