Hmm I’m not fond of either,
IMHO I would say Swap out a car on it’s last year and then get a loan for the rest of it’s life.
Something like this
Get the RV value (Make sure it isn’t inflated) and when the lease runs out get a loan for the Buyout (If you like the car).
Now this car is just an example, I picked the first Toyota/Honda that had the least amount of months in it and under $400.
My thoughts on doing it this way are:
- You can never get it from the Dealer for RV (IT’s always marked up)
- You can try a car near it’s end of lease , so if you don’t like it, you can just return it for the $~500 aquisition fee
- If you like it, you can get an easy used car loan.
After you beat it up, then you get the idea of how many miles you drive and if a lease is really for you.