A simple Answer TO yOUr Question
Does putting more money down lower my monthly lease payment?
Yes, a larger down payment (capitalized cost reduction) lowers your monthly payment. However, many financial advisors recommend keeping your down payment minimal on a lease. If the car is totaled or stolen in the first few months, your down payment is gone. It is generally better to negotiate the selling price down rather than writing a bigger check upfront.
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The Smart Buyer's Guide to Leasing vs. Buying in 2026
Discover:
✓ When to lease vs. buy
✓ Hidden fees to watch for
✓ Tax benefits for business owners
✓ Current manufacturer incentives
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