Buy Versus Lease. Amanda Forsythe of Springfield, Missouri, must decide whether to buy or lease a car she has selected. She has negotiated a purchase price (gross capitalized cost) of $35,000 and could borrow the money to buy from her credit union by putting $3,000 down and paying $751.68 per month for 48 months it 6 percent APR. Alternatively, she could lease the car for 48 months at $495 per month by paying a $3,000 capitalized cost reduction and a $350 disposition fee on the car, which is projected to have a residual value of $12,100 at the end of the lease. Use the Run the Numbers worksheet to advise Amanda about whether she should finance or lease the car. Rebate Versus Low Interest Rate. Kyle Parker of Concord, New Hampshire, has been shopping for a new car for several weeks. He has negotiated a price of $34,000 on a model that carries a choice of a $2,500 rebate or dealer financing at 2 percent APR. The dealer loan would require a $1,000 down payment and a monthly payment of $578 for 60 months. Kyle has also arranged for a loan from his bank with a 5 percent APR. Use the Run the Numbers worksheet to advise Kyle about whether he should use the dealer financing or take the rebate and get financing from the bank. Vehicle Worksheets.pdf