A simple Answer TO yOUr Question
Is a lower money factor always better?
Yes, all else being equal. A lower money factor means a lower finance charge, which reduces your monthly payment. However, sometimes a manufacturer offers a low money factor but has a lower residual value on the same vehicle, or vice versa. The best lease deal optimizes both money factor and residual value together, not just one in isolation.
📥 FREE DOWNLOAD
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
Smart move!
Download the guide below, plus we've sent a copy to your inbox.
Affordable Cars Available Now
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Value Tracking
No credit impact, view Get personalized insights on your car’s value, so you can time your next car with the most savings.real payments while shopping.
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Insurance Coverage
Effortless to buy and personalized to you, with coverage deals with Vantage.
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600+ Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
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Best car buying experience however the people were more than gracious, polite, timely, and Health with every single detail of the lease experience. I cannot recommend them enough.
Best car buying experience however the people were more than gracious, polite, timely, and Health with every single detail of the lease experience. I cannot recommend them enough.
d morgan
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We purchased a 2026 Volvo through the Vantage Group. From the first contact with David every interaction was done with the utmost professionalism. David kept us up to date during our search which involved several changes. I thoroughly recommend this group and will tell my friends to take advantage of David and his group.
We purchased a 2026 Volvo through the Vantage Group. From the first contact with David every interaction was done with the utmost professionalism. David kept us up to date during our search which involved several changes. I thoroughly recommend this group and will tell my friends to take advantage of David and his group.
don moscato
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Recently bought a car through Vantage Auto Group and can’t say enough how great they were. Their process was seamless and they made buying a car a great experience. highly recommend Vantage Auto Group!
Recently bought a car through Vantage Auto Group and can’t say enough how great they were. Their process was seamless and they made buying a car a great experience. highly recommend Vantage Auto Group!
Cory Rothbort
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Makes buying a car easy and hassle free.
Makes buying a car easy and hassle free.
Stefani Klaskow
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David & Tommy made getting a new vehicle for my wife very easy and simple. Great customer service and they deliver the car right to your house. Great Experience and I highly recommend Vantage Auto Group.
David & Tommy made getting a new vehicle for my wife very easy and simple. Great customer service and they deliver the car right to your house. Great Experience and I highly recommend Vantage Auto Group.
Steve Barrios
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Sean was amazing to work with! Getting a new car was so quick and easy. I never thought it would be so painless. I am thrilled with my new car and it's all thanks to Sean!
Sean was amazing to work with! Getting a new car was so quick and easy. I never thought it would be so painless. I am thrilled with my new car and it's all thanks to Sean!
Sara Lombardo
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HIGHLY RECOMMEND giving Vantage Auto Group a shot — you won’t be disappointed!!Words like “trustworthy” and “transparent” don’t usually come to mind when people think of car brokers or car salesmen… but Vantage Auto is changing that. They’re redefining the standard and restoring trust in this industry by proving that good, honest people still exist in the car business.They’re easy to deal with, efficient, communicative, and just all-around FAIR and GREAT to work with!
HIGHLY RECOMMEND giving Vantage Auto Group a shot — you won’t be disappointed!!Words like “trustworthy” and “transparent” don’t usually come to mind when people think of car brokers or car salesmen… but Vantage Auto is changing that. They’re redefining the standard and restoring trust in this industry by proving that good, honest people still exist in the car business.They’re easy to deal with, efficient, communicative, and just all-around FAIR and GREAT to work with!
Jacob Stoehr
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Such a wonderful experience with Sean and his team at Vantage Auto Group. Imagine not having to sit at a dealership for several hours. That alone is worth the 5 star review. Add to that how knowledgeable Sean is, how he actually wants to get you the best deal, and how little stress you'll experience throughout the entire process, and 5 stars just aren't enough. I would recommend Vantage Auto Group to anyone!
Such a wonderful experience with Sean and his team at Vantage Auto Group. Imagine not having to sit at a dealership for several hours. That alone is worth the 5 star review. Add to that how knowledgeable Sean is, how he actually wants to get you the best deal, and how little stress you'll experience throughout the entire process, and 5 stars just aren't enough. I would recommend Vantage Auto Group to anyone!
Lisa
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The experience with Vantage Auto Group was everything I had hoped for and more. Elka was very responsive, knowledgeable regarding all of my questions and she helped guide me into the car that I wanted. She was a pleasure to work with. I was able to get out a previous lease early & reduce my monthly payment for a car I preferred to be driving. The drop off process to my house was seamless & Niko who dropped off the car was professional, courteous & also answered all the questions I had. I would recommend them to all my friends & family.
The experience with Vantage Auto Group was everything I had hoped for and more. Elka was very responsive, knowledgeable regarding all of my questions and she helped guide me into the car that I wanted. She was a pleasure to work with. I was able to get out a previous lease early & reduce my monthly payment for a car I preferred to be driving. The drop off process to my house was seamless & Niko who dropped off the car was professional, courteous & also answered all the questions I had. I would recommend them to all my friends & family.
David Degenhardt