Geared To SavingsLease Cars began as an option for businesses and buyers of luxury vehicles. Lease cars are now a popular choice with shoppers in general. The reason is quite simple... it can cost less per month to lease than to purchase your next car with an auto loan.
New car sticker prices now average $30,000, according to price tracker Edmunds.com. The average manufacturer's suggested retail price of cars and light trucks bought in December was $30,481, up 2 percent from the average sticker price in November and 4.6 percent higher than a year earlier.
Strong incentives and normal negotiation kept the average actual selling price well below that. In December it was $26,077, about 5 percent above the year-ago transaction price. Both average transaction prices are about 14 percent below the manufacturers suggested retail price (MSRP).
Leasing takes away the worries associated with selling, such as how much a vehicle might be worth in the future. A good lease deal requires almost no down payment.
Lease payments typically are lower than purchase payments because they're based on the purchase price minus the vehicle's residual value — that is, its expected resale value at the end of the lease term.
In theory, customers pay only for the portion of the vehicle's value they use. The key to making money on lease cars is estimating that residual value.
Whether buying 
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