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Should you lease or purchase an an electric vehicle? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive tools and financial calculators as well as publishing quality and impartial content, by enabling you to conduct your own research and compare data for free - so that you can make informed financial decisions. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies that compensate us. This compensation may impact how and where products appear on the site, such as such things as the order in which they be listed within the categories of listing, except where prohibited by law. Our loan products, such as mortgages and home equity and other products for home loans. But this compensation does affect the information we publish, or the reviews appear on this website. We do not contain the entire universe of businesses or financial offers that may be accessible to you.



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6 min read Published 23rd September 2022
Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the details of taking out loans to purchase an automobile.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping their readers to take control of their finances through providing clear, well-researched data that breaks complicated subjects into digestible pieces.









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The market has dramatically grown over the last year. hybrids and electric vehicles accounted for 4.5 and 6.6 percent of new registrations between January and June 2022, in a 2022 second quarter market trends report from . However, even as alternatives beyond Teslas and Toyotas grow, diving in the deep end to a new vehicle type could be a daunting task. With an average cost of more than $66,000 on the market for an electric vehicle, the choice is loaded -- financially and logically. If you're in a category of curiosity rather than confidence, an EV can help you decide whether an eco-friendly car is the right choice for you, and is a good choice for those ready to commit. Leasing versus buying an EV
The lease of an electric vehicle can give you hands-on experience with an otherwise expensive car, but can cost more in the long run , if you surpass restrictions or when you reach the end of your lease.


Is it better to lease or purchase an electric car? In terms of the decision of whether to it is fairly simple to decide which option is best for you and your pocket. If you are planning to swap up your vehicle every few years and are able to handle limitations on mileage, leasing could be ideal. If you're looking to have the freedom to own your vehicle purchasing is the best option. However, the world of electric vehicles remains just beginning to take off, when sales of electric vehicles increase each year. So signing off on the long-term ownership of a car seemingly new to the market could be risky. To decide which option is best for you consider the benefits and drawbacks of each. The pros to leasing an electric vehicle guarantee Lower monthly payments Newest technological features
Cons to leasing an EV The speedier depreciation of the vehicle Inability to sell vehicle Vehicle restrictions

Benefits to leasing an electric vehicle The benefits of leasing an electric car are based on the added security with a full-service which means fewer visits to the mechanic- a lower monthly cost and access to the newest technology. The warranty for vehicles generally leases last 24 or 36 months, and during the course of time, your vehicle could have technical issues. When it comes to EV upkeep, the requirement for a new battery is probably the most typical issue you might encounter. If you lease, however, your vehicle will likely remain covered under warranty, giving you the opportunity to save thousands of dollars. A lower monthly cost Leasing a car allows you to use the vehicle for a set period of time and pay every month. It typically costs less per month than a monthly car loan for the same car. Along with a lower monthly cost it also costs less upfront, and you will probably to leave the dealership without any money down. Leasing costs less
The average monthly cost for leasing a new vehicle for the quarter ending in 2022's fourth quarter was $440, compared to $667 for buying the car, according to .


Latest tech features Although the changes in model year-over-year for traditional vehicles aren't significant, the field of electric vehicles is growing at a more rapid pace. Leases give you the opportunity to be on the cutting edge in terms of available technology, rather than having to use the same old additions. The Hyundai Kona for example was upgraded in the 2021 model to 2022 model, including an updated infotainment system and new driver assistance technology. The drawbacks of leasing an electric car While leasing an electric vehicle can provide you with the benefits of driving on electric power, it can also come with some downsides. The main issue is lease approval, inability quit the lease, and restrictions on the vehicle. The approval of a lease to lease a car can be a lot more difficult than an auto loan -- especially for those with poor credit. Even if you are eligible to lease a car even without a perfect credit score, it could lead to a more expensive monthly payment. Consider the average credit score of drivers leasing new cars in the first quarter of 2022 -736 -- which falls above the average of 729 for an loan, according to Experian. The inability to sell the car Leaving a car lease isn't easy nor cheap. If you do end up not enjoying the car you lease you will likely be entangled in the lease , or forced to pay huge fees to end the . If you lease from a lessor, you may be expected to pay for the residual value in addition to any remaining charges and lease payments. Car restrictions when signing off on a lease, there are several key aspects to look out for including mileage, maintenance, and vehicle modification. If you lease your EV you'll be restricted to driving anywhere from 12,000 to 15,000 miles a year. You may also have to foot the bill for and can't modify the car. Buying an electric car Pros to leasing an electric vehicle Full ownership with no restrictions on vehicle size Tax incentives and credits
There are disadvantages to leasing an EV Expensive upfront cost Rapidly changing technology Repair costs out of pocket

Benefits to buying an electric car The main attraction of instead of leasing comes down to the thrill of owning your car completely. You can do whatever you want with your car without being limited to the options that leasing companies have available or worrying over fees. As an owner of an electric vehicle you are also able to take all the tax benefits and credits that otherwise would be attributed to the leasing company. You can own the vehicle completely based on your financial position, buying an EV can let you go move at your own pace and put you in complete control of the vehicle. You'll have a clear understanding of the total cost before you start worrying about potential wear-and-tear charges that could add up at the end of a lease. No restrictions on your vehicle If you feel that the freedom of the open road shouldn't be restricted, then purchasing an electric vehicle might be a better option for you. It means you won't be held captive by the odometer of your vehicle, and you can enjoy the freedom of the road. Apart from the ability to drive without limitation the full ownership gives you the option of adding any bells and whistles that fit your preferences to create a unique vehicle. Credits and tax incentives purchasing an EV you are able to avail a myriad of financial incentives. One of them is the credit, worth up to $7,500 dollars. Some states also offer rebates to reduce the cost of purchasing an environmentally friendly vehicle. These incentives are available only on behalf of those who are the owners, which means when you lease it, you would not get these benefits. There are some disadvantages to buying electric vehicles The EV market has grown, and more budget-friendly alternatives are appearing, but these vehicles do nevertheless have more cost over conventional vehicles. Higher prices also come with quickly changing tech and higher maintenance costs. Prices for upfront costs can be much more expensive than conventional cars, with at an average of $66,997 as per Kelley Blue Book June 2022 data. EV drivers also tend to carry almost identical credit profiles as those who finance luxury vehicles and pay , according to a . This makes the approval process more difficult for borrowers with less-than-perfect credit scores. Save money and shop for an electric vehicle requires the same method as it can use to get a lower interest rate on an ordinary loan You should shop around and then apply for a loan and be prepared to walk away. The pace of technological advancement in the field of electric vehicles is fast and this is particularly applicable when older brands, such as Ford and Mustang Mach-E and Chevrolet's Bolt, Mustang Mach-E and Chevrolet's Bolt, enter the space. However, this means that you'll have to live with the latest technology for the car you purchase. While advancements may seem slight to the untrained eye, if a flashy technology serves as a main attraction, consider leasing to stay up with fashions. Repair costs out of pocket As with every vehicle you own it is your responsibility to pay for any necessary maintenance that is required in the course of ownership. However, when it comes to an EV, this maintenance could be more expensive than typical trips to the repair shop. While the warranty on the battery will probably be extended for five to 10-years, EVs require replacement for additional costly repairs, such as screens as well as advanced system updates. The bottom line is it is ideal to think about the decision of leasing versus buying an EV in the same manner as you would when for a conventional car. Some people find the benefits of the latest technology could outweigh the inconvenience of full ownership and, for others, taking the steering wheel of a car with confidence and incentives makes more sense. If you decide to purchase an EV, to understand the additional costs associated with ownership and make the most of . leasing an EV on the other hand, requires the same attention as it would typically. Take a look at a few lease offers and fully understand the agreement before signing an agreement to lease.


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Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ways and pitfalls of taking out loans to purchase an automobile.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to take control of their finances with concise, well-researched and well-informed information that breaks down complex topics into manageable bites.






Auto loans editor




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