* Lessees don't have to worry about owning a depreciating asset. * Drivers don't have to deal with hefty maintenance bills. * With a car in good condition, under the mileage limit, lessees can simply return the car. * In a time of high interest rates, a lease may offer lower monthly payments, especially with good credit. * Consumers can enjoy purchasing flexibility - after a lease term, pick out another car. It's like a three- or four-year test drive. * Lessees will always have the latest safety and technology innovations on the road. * Lease plans are rarely 60-month terms - this is common with finance periods. * Many consumers can drive away with the latest model, even a luxury car, with less cash upfront. * If you're self-employed, you can write off your leasing payment as a business expense. * Steady repayment can build equity. * You avoid the repetitive cycle of renegotiating short term leases. * You can bask in the comfort of driving a car - your car - without the restrictions of a short term lease. * There is an end to your monthly car payments - leasing offers no such relief. * Financing a car means never having to worry about mileage limits. * Future car owners can also worry less about wear-and-tear. * At the dealership, shoppers looking to finance will enjoy large cash rebates and low-interest financing. For help making a decision about which route to take, log on to www.harborcredit.com to get free quotes from lenders in your area.