Just Text Us

(201) 815-8216

A simple Answer TO yOUr Question

How does the lease vs buy math work for NJ buyers?

To compare: add up all lease payments over 3 years (e.g., $350 x 36 = $12,600) plus drive-off costs. For buying, add financing costs (principal + interest) over the same period. The key difference is that lease payments build no equity while loan payments do — but leases avoid depreciation risk on the back end. For most NJ buyers who change vehicles every 3–4 years, leasing wins on total cost.

More FAQs
The Blog

📥 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

Contact Details
Download the Free Guide

Smart move!

Download the guide below, plus we've sent a copy to your inbox.

Download the Guide
Oops! Something went wrong while submitting the form.

Affordable Cars Available Now

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

Cars Under $20,000

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Review quote goes here.

Review quote goes here.

Fname Lname

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

Shop Great Deals

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Review quote goes here.

Review quote goes here.

Fname Lname

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

Delivery by Monday

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Review quote goes here.

Review quote goes here.

Fname Lname

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

Shop Fuel Efficient

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Review quote goes here.

Review quote goes here.

Fname Lname

Eyebrow Text Here

Value Tracking

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

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.

Review quote goes here.

Review quote goes here.

Fname Lname

Learn More
Electric SUV driving on a winding mountain road at sunset with hills and greenery surrounding.

Eyebrow Text Here

Insurance Coverage

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Effortless to buy and personalized to you, with coverage deals with Vantage.

Electric SUV driving on a winding mountain road at sunset with hills and greenery surrounding.

Review quote goes here.

Review quote goes here.

Fname Lname

Learn More

600+ Testimonials

What Our Customers Say

People come for the number. They stay for how easy we make it.

Read About Their Experience
Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

My car leasing experience with Vantage was fantastic. Sean took an overwhelming decision and process and made it so easy. He was available morning, noon, and night as well as weekends. He never pressured me and simply gave me facts and possibilities and recommendations. The experience was really amazing from the start and I’m extremely grateful for his help in making the car leasing process manageable. I would recommend him to anyone and everyone looking to buy or lease a car. Sarah

My car leasing experience with Vantage was fantastic. Sean took an overwhelming decision and process and made it so easy. He was available morning, noon, and night as well as weekends. He never pressured me and simply gave me facts and possibilities and recommendations. The experience was really amazing from the start and I’m extremely grateful for his help in making the car leasing process manageable. I would recommend him to anyone and everyone looking to buy or lease a car. Sarah

Sarah Lieberman

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Makes buying a car easy and hassle free.

Makes buying a car easy and hassle free.

Stefani Klaskow

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

I rarely write any reviews, I do find it necessary that I write one this time.I haven't purchased a new vehicle for quite some time. When I decided to move forward I dreaded the thought of having to go through the process of dealing with multiple dealerships, gathering quotes etc. and having to deal with pushy, non-transparent sales and finance people. Don't get me wrong, not all dealerships are that way or have staff looking to make big profit margins. If you've bought or leased any vehicle, you know those sales and finance guys are out there looking to make the absolute most profit possible. They get you going this way and that way. That's their business, to make money, I get that but the frustration, time and effort just isn't worth it to me.So, with that said, I was told by Brandon an employee of Vantage Auto Group to give them a try. Tommy C. was my contact and I have to say, from day one this was the best experience I had ever had with purchasing a new vehicle. No hassle, no frustration, no running back and forth to dealerships. Everything was taken care of with the utmost professionalism, transparency in order to satisfy the customer (Me). Aside from a minor setback which was corrected immediately, Tommy came through with the new truck that I was looking for. Hassle free, I received delivery even with a little parting gift which was very much appreciated.I am 100% satisfied and would highly recommend using Vantage Auto Group for your next lease or purchase of a new/used vehicle.Thanks again Tommy and All at Vantage Auto GroupA Happy customerAndy

I rarely write any reviews, I do find it necessary that I write one this time.I haven't purchased a new vehicle for quite some time. When I decided to move forward I dreaded the thought of having to go through the process of dealing with multiple dealerships, gathering quotes etc. and having to deal with pushy, non-transparent sales and finance people. Don't get me wrong, not all dealerships are that way or have staff looking to make big profit margins. If you've bought or leased any vehicle, you know those sales and finance guys are out there looking to make the absolute most profit possible. They get you going this way and that way. That's their business, to make money, I get that but the frustration, time and effort just isn't worth it to me.So, with that said, I was told by Brandon an employee of Vantage Auto Group to give them a try. Tommy C. was my contact and I have to say, from day one this was the best experience I had ever had with purchasing a new vehicle. No hassle, no frustration, no running back and forth to dealerships. Everything was taken care of with the utmost professionalism, transparency in order to satisfy the customer (Me). Aside from a minor setback which was corrected immediately, Tommy came through with the new truck that I was looking for. Hassle free, I received delivery even with a little parting gift which was very much appreciated.I am 100% satisfied and would highly recommend using Vantage Auto Group for your next lease or purchase of a new/used vehicle.Thanks again Tommy and All at Vantage Auto GroupA Happy customerAndy

Andy Weber

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Best buying experience I have ever had!!! Sean took care of me through every step, no waiting around and NO DEALERSHIP! I have bought over a dozen cars in my lifetime and this was by far the way I will do it from now on!!! Keep up the great work Vantage you guys rock 😁

Best buying experience I have ever had!!! Sean took care of me through every step, no waiting around and NO DEALERSHIP! I have bought over a dozen cars in my lifetime and this was by far the way I will do it from now on!!! Keep up the great work Vantage you guys rock 😁

Tom Rich

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Sean was just fantastic to work with! We secured our new Volvo lease through him, and he was attentive and friendly every step of the way. He made the experience great and answered any questions we had in a timely manner.

Sean was just fantastic to work with! We secured our new Volvo lease through him, and he was attentive and friendly every step of the way. He made the experience great and answered any questions we had in a timely manner.

Nina Ramadan Patel

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Great working with Mark and the whole Vantage team

Great working with Mark and the whole Vantage team

Patrick Ryan

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Had the absolute smoothest and informative process working with David. He got me an excellent price well within was I was hoping spend after a dealer quoted me WAY more. Appreciate him and his team so much for making this process not stressful at all. Anyone looking to buy a car, use Vantage!!

Had the absolute smoothest and informative process working with David. He got me an excellent price well within was I was hoping spend after a dealer quoted me WAY more. Appreciate him and his team so much for making this process not stressful at all. Anyone looking to buy a car, use Vantage!!

Corinne Antonelli

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Easy to work with, responsive and made the whole experience worthwhile. I would recommend to anyone to go through Mark and the Vantage team

Easy to work with, responsive and made the whole experience worthwhile. I would recommend to anyone to go through Mark and the Vantage team

Brian Dorney

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

Eyebrow Text Here

STYLE
AS LOW AS
$
PRICE
/MO
#
Miles

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.

Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.

I am a 79 year old man. So by this time I have had plenty of cars and dealings with car salesmen/brokers. Vantage Auto Group is far above the rest. Their responsiveness and aim to please the customer is incredibly rare. I would recommend them to anyone interested in buying or leasing a vehicle,

I am a 79 year old man. So by this time I have had plenty of cars and dealings with car salesmen/brokers. Vantage Auto Group is far above the rest. Their responsiveness and aim to please the customer is incredibly rare. I would recommend them to anyone interested in buying or leasing a vehicle,

Martin Blaustein

Previous
Next