logo Leasing Advantages

Comparing Financing Options

Leasing vs. Borrowing, Credit, and Cash

  Leasing Borrowing Credit Cash
Interest Rates Fixed rate Can fluctuate with the market Fixed or floating None
Speed of Approval Within two business days after a bid has been selected for most amounts Days to weeks Days to weeks Instant
Down Payment Typically, only 1 or 2 payments upfront which are applied to your balance Typically, 10-20% of the total amount Typically, 10-20% of the total amount 100%
Financial Statements Generally unnecessary for transactions under $150,000 Generally needed regardless of amount requested Generally needed regardless of amount requested None
Tax Benefits Operating lease payments can be 100% tax deductible when shown as an operating expense. Depreciation can be taken over the useful life of the equipment. Depreciation can be taken over the useful life of the equipment. Depreciation can be taken over the useful life of the equipment.
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