Purchase or Lease? Audi Financial Services

Purchase or Lease?

When trying to decide whether to purchase or lease, you should rely on the same level of thoughtfulness and thoroughness you used to select your Audi. After all, selecting the right option isn't entirely a numbers game. You also need to factor in considerations such as how much you drive, the type of roads you travel on, and the extent to which you want to personalize your Audi with aftermarket accessories. Answer the questions below to fully explore your financing options.

1. Less than 12,000 miles (relatively short daily commutes with the occasional road trip).

Purchase consideration
Your anticipated mileage is very low. This may increase the value of your Audi if you decide to sell it after completing your loan payments.

Lease consideration
Your anticipated mileage is very low. This is good news, because Audi Financial Services leases are typically based on an allowance of 12,000 or 15,000 miles per year. If you think you'll drive less than this, you may be able to establish a lower mileage allowance, which may reduce your monthly payment.

2. Around 15,000 miles (modest daily commutes with room for road trips).

Purchase consideration
Your anticipated mileage is low. This may increase the value of your Audi if you decide to sell it after completing your loan payments.

Lease consideration
Your anticipated mileage of 15,000 miles a year is within the range of our typical lease mileage allowance.

3. More then 15,000 miles (long daily commutes of more than 60 miles round trip).

Purchase consideration
Because you own the car, you don't have to worry about mileage restrictions.

Lease consideration
Our leases are typically based on an allowance of 15,000 miles per year. But if you know right from the start that you will drive more than 15,000 miles a year, you can buy miles upfront at a discount.

1. I'll add standard options, but that's about it.

Purchase consideration
Outfitting your Audi with standard options and packages will minimally increase your monthly payments, given that your costs are amortized over the term of your loan. As well as providing you with an enhanced driving experience, the options and packages you choose when you purchase your Audi may raise the value of your vehicle.

Lease consideration
Outfitting your new Audi with standard options and packages will enhance your driving experience while minimally increasing your monthly payments, given that your costs are amortized over the term of your lease.

2. I plan to add some interior and exterior aftermarket accessories, such as sunshades, a cycle rack, and wheels.

Purchase consideration
It's your Audi. You can add as many aftermarket accessories as you like.

Lease consideration
While leased vehicles must be returned without modification, keep in mind that sometimes you can transfer the Audi aftermarket accessories you buy for your current Audi to your next one.

3. I plan to add a lot of aftermarket accessories.

Purchase consideration
It's your car. You can customize your Audi however you like.

Lease consideration
Because leased vehicles must be returned without modifications, you may not want to spend a lot of money on significant accessories.

1. Well-maintained roads and highways.

Purchase consideration
Judging solely from the type of roads you intend to travel down, it's likely the wear and use on your vehicle will be minimal. This may increase the value of your Audi if you decide to sell it after completing your loan payments.

Lease consideration
Judging solely from the type of roads you intend to travel down, it's likely the wear and use on your vehicle will be minimal. Minimal wear and use means you probably won't be subject to the excess wear and use charges that sometimes occur at the end of a lease.

2. Rough back roads.

Purchase consideration
Frequent journeys down unpaved roads can increase the wear and use on a vehicle. While you certainly want to be mindful of any damages, as the owner of the car you don't have to worry about excess wear and use charges that sometimes occur at the end of a lease.

Lease consideration
You'll want to take the road slow and also be mindful of any damages, such as scratches to the sheet metal and cracks to the windshield, as these may contribute to the excess wear and use charges that sometimes occur at the end of a lease.

3. Both of the above.

Purchase consideration
It's hard to predict how your Audi will age given the many types of roads you intend to travel down. Unpaved roads, of course, may increase the wear and use on your vehicle. But as the owner of the car you don't have to worry about excess wear and use charges that sometimes occur at the end of a lease.

Lease consideration
It's hard to predict how your Audi will age given the many types of roads you intend to travel down. Unpaved roads, of course, may increase the wear and use on your vehicle. So you'll want to take the road slow and be mindful of any damages, such as scratches to the sheet metal and cracks to the windshield, as these may contribute to the excess wear and use charges that sometimes occur at the end of a lease.

1. Definitely less than four years.

Purchase consideration
If you truly want a new vehicle in less than four years, you may want to consider leasing. The advantages to leasing are lower monthly payments, not to mention avoiding the hassles of negotiating a trade-in value and possibly unexpected depreciation at the end of your contract.

Lease consideration
By leasing, you'll have lower monthly payments, not to mention avoiding the hassles of negotiating a trade-in value and possibly unexpected depreciation at the end of your lease.

2. Maybe four years. Maybe longer.

Purchase consideration
Purchasing is often more advantageous if you intend to have a long-term relationship with your Audi. Still, it's your vehicle, so once you've reached the end of your Audi Financial Services contract, it's all yours.

Lease consideration
Leasing is often more advantageous if you intend to have a short-term relationship with your Audi. However, when you've reached the end of your Audi Financial Services lease contract, you have the option to hold onto your Audi by purchasing it.

Premier Purchase* consideration
If you're not sure, we encourage you to consider our Premier Purchase option, which allows you the ultimate flexibility of deciding whether you want to turn in your Audi at the end of your contract or purchase it.

3. Definitely more than four years.

Purchase consideration
If you plan to have a long-term relationship with your Audi, purchasing is often more advantageous, since with each payment you build equity in the vehicle.

Lease consideration
Although, we have a variety of lease terms to suit your needs, you may want to consider purchasing if you truly want to hold onto your Audi for more than four years. Purchasing is often more advantageous, since with each payment you build equity in the vehicle.