I used to be a Porsche broker. Politely, just buy it. You’re not going to loose money on the residual (it’s worth more than the PFS residual even in normal times), and the cost of financing will be less.
Plus since you have a longer payment term you’ll probably have lower payments too. What are your benefits for leasing, do you own a a company or something to deduct the payments? Even then it’s probably even or cheaper to own it.
I take standard tax deductions so no benefit there. Retired at 69 yo in NorCal redwoods. I guess I am still a rookie with this stuff, lacking knowledge in determining when to lease vs financing vs buying. I always thought leasing was a better option than buying.
I could just buy it with cash if that is the best option. Or find a better lease deal on another car.
There is never an “always”. Every situation is nuanced and needs to be evaluated on its own merits.
Porsches rarely make better leases than purchases.
I’m a huge fan of leasing… most of the time. I got a new car last week for my wife. I purchased it instead of leased it, because leasing was not the right answer for that vehicle.
I would still finance it even if you can pay cash as long as you can get an attractive rate. Take the money you would have paid and throw it in the market.
42 months = 6 months of registration you will pay but not use, assuming no pull-ahead.
Buy and finance, rates are low.
OK thanks, I will look into that. Where is a good place to start to find the best deals on auto financing?
Only thing I will say is that they might not be willing to sell for MSRP if you are not financing or leasing through the dealer. If you finance with an outside lender, it is considered a cash deal and that is a dirty word nowadays.
Do you have an existing banking relationship that discounts the advertised rates? A couple of mine are significantly lower than anything I see on Bank Rate.
Good reason to finance it, either captive lender or outside lender such as DCU or Penfed or existing bank/CU depending on total cost.
Nobody should be throwing rent or car payment money “at the market” let alone a 69yr old retiree. Capital preservation gets much more important the older one gets.
Finance with them so they get the captive bonus and refi later if you’re getting blow back. They could surprise you with the rate.
I just got BMWFS to match Penfed rate of 1.99% on 60 months, that way you get all the benefits bundled. First actually make an account with Penfed or any credit union that offers low rates, then tell them your financing with credit union unless they can match the rate, they will likely want to keep it a in house deal. Unless your worried about your financial situation down the line definitely finance, at the rate inflation is going your actually getting paid to take a loan.
Thanks sooo much! can you explain further why a finance as you described is better than cash purchase?
Instead of taking the cost of a Macan out of your checking account (cash is king): spread the cost out over 60 months at 2%, find something that pays more than 2% — US Series I Bonds are paying 7.16% for the first 12 months after which you can sell them, forget any other type of investment paying a higher rate of return.
Limit of 10k per year, but yes pretty good deal 
Per person/entity. My parents have a trust, which means 3 x $10k per calendar year. There’s $60k if you wanted to be super safe and Federal tax free.
Basically instead of taking a huge hit you spread out your “loss” to 5-6 years, and you still have your cash at hand for either investment like @jeisensc said and have your money make you more $$ or just as rainy day cash if you need it for any unexpected costs.
What I mean by this is at your age I don’t know how much of a income you have (nor do I want to know) or what your net worth is etc. Therefore some people like to know that it’s paid off and nobody is gonna come repo your car in three years because your financial situation doesn’t let you afford those monthly payments. just my 2 cents
I am TOTALLY BLOWN AWAY by you folks for all of the wonderful advice. THANK YOU!! You saved me from a bad financial arrangement. I thought I knew alot about this stuff but you people are on a whole nuther level!!
I am truly humbled and grateful. I wish I could invite you all over for steaks and beer!
Thank you 
Bill
Hey, I’m just glad you were open to listening. Glad you found the help helpful.
And to think this thread was started about the relatively small amount of CC cash back from the DAS 
Pretty sure no lessor accepts monthly payments by CC so that was not a possibility anyways AFAIK.
Now go drive that Porsche and enjoy your retirement… I’ll take you up on the steak some time
