Finance vs. Lease the R2 -- the math

[Katsudon]

Financing vs. Lease math - by @travisketchum

If you're weighing lease vs finance for the R2, the numbers tell you everything you need to know.

Financing can save you $8,836 over a 36 month term.

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[R2D2TOO]

Or - just pay cash. Maybe.

 

[Ajax]

We can't predict the sale price 3 years out—guessing it's likely to drop quite a bit, affecting potential equity. Maybe this is built in to the calculations, but by 2029 there will likely be a newer+nicer R2 that could make 2026 R2s drop like a rock in price.

New cars are never a good investment and shouldn't be considered as such IMO. More about mitigating losses. If financing is your best route, go for it, but if you upgrade regularly or are worried about early adoption issues (this is the first R2 ever, keep in mind), leasing may be a better bet. Your mileage may vary!

 

[DuoRivian]

The gap is large even if the residual drops down. The current leasing, as expected, is not competitive.

 

[ribuck97]

Payment: $829
Depreciation: $442

Rent Charge: $387 (Steep at 10+%)

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