One car, two contracts
Lease or finance: which fits this offer?
A lease usually ends with the car going back. Finance leaves you with the car, but it may also leave a large final payment. A useful comparison needs the same term, every additional cost and a clear assumption for the vehicle’s value.
Upload the offer you already have
We take the contract figures into the cost comparison using the same car, term and additional costs for both options.
- Payments and upfront costs
- Final payment and residual value
- Same term for both
The original is deleted after analysis. Only redacted offer facts and evidence snippets are retained, never a document copy. How we process your document.
Your result uses the figures in your offer, not the numbers in the example.
What the comparison depends on
A blanket answer would be misleading. The payments matter, but so does the value of the car at the end of the comparison period.
- A lease usually ends without a carPayments and upfront costs are the cash outflow over the selected period. Return charges only count if they arise.
- Finance leaves you with a vehicleThe assumed vehicle value at the end is considered separately from the finance payments.
- Residual value is an assumptionYou see the value where both options would be level and how different assumptions affect the modelled result.
Original deleted after analysis
We use your PDF or images only to extract the offer details, then delete the file. A private version history is saved only when you actively create a negotiation case. Aggregated insights use coded changes only and can be disabled in the case at any time.
Assessment before partner offers
We calculate the costs and review the contract before any partner offers appear. Commission changes neither your result nor its assessment. If no genuinely comparable offer is available, we show none.
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