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How do you decide what is right for you?

This is not a trivial decision and it depends on a series of factors, including your driving accident record, the number of miles/kilometers you travel each year, the type of vehicle you want to drive, and other more personal considerations. The following chart may help you make a decision, at least about the main evaluation criteria.


image Leasing is right for you if A traditional loan is right
for you if
 
You do not have any major claims against your car insurance.
1. You have major claims (30% or more) against your car insurance.
 
2. You want a new car every 2 - 4 years.
2. Your car is a long-term investment (7 - 10 years).
 
3. You don't need to keep the car for a long period of time.
3. You want to keep the car at the end of the financing contract.
 
4. You want a car that is more expensive than what you would normally get through financing.
4. Your are buying the car you want and you are fine with the monthly payment amount.
 
5. You are not worried about the car's value at the end of the loan.
5. You want to make the final payment and quit worrying about it.
 
6. You normally drive the vehicle less than 25,000 kilometers per year.
6. You normally drive the vehicle more than 25,000 kilometers per year.


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Remember that leasing is booked like a loan so the deductible expense for income tax purposes is made up of just the interest.

Check with your favorite car dealership. They can help you make the best decision - or call us at 210-4310 and we will be pleased to help you.


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PFor more information call 800-1-SCOTIA or visit us today in any of our branches!

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