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Over your time frame
Paying cash costs the least: $20,213
Net cost is what you spend minus what the car is worth to you at the end. Leasing ends at zero, which is why owning nothing usually costs the most.
Finance It
Cash out over 5 yrs$43,731
Interest paid$6,018
Car worth at end$17,500
Net cost$26,231
Lease It
Cash out over 5 yrs$32,000
You own at the endNothing
Net cost$32,000
Pay Cash
Cash out today$37,713
Car worth at end$17,500
Net cost$20,213
The Rule of Thumb
Cash Lowest net cost in most cases and no interest. The catch is the large sum tied up, money that could be invested instead.
Finance Spreads it out and keeps cash free. Worth it mainly if your rate is low or you can earn more investing the difference than the 7.0 percent you pay.
Lease Lowest monthly and always a newish car, but you own nothing and the payments never stop. Best only if you truly need a new car every few years.
Everything on this site is educational. Nothing here is financial, legal, or tax advice, and the calculators produce estimates only. Talk to a licensed professional before making financial decisions. © 2026 Kindred Oak.