https://autonomy.com/_next/static/chunks/pages/car-subscription-vs-lease-622fd29290b794e2.js

1(self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[8965],{76363:function(e,s,a){(window.__NEXT_P=window.__NEXT_P||[]).push(["/car-subscription-vs-lease",function(){return a(6006)}])},6006:function(e,s,a){"use strict";a.r(s),a.d(s,{__N_SSG:function(){return k},default:function(){return A}});var n=a(85893),t=a(67294),i=a(41664),r=a.n(i),l=a(67604),o=a(4906),c=a(94217),d=a(83237),h=a(29609),u=a(30666),m=a.n(u),p=a(90702),v=a.n(p);let b="A lease payment isn’t the price of a lease. Compare a month-to-month car subscription with a 36-month lease, line by line, with sourced 2026 numbers.",x=(0,d.HR)("/car-subscription-vs-lease"),y="/images/og/car-subscription-vs-lease.png",j=e=>"$".concat(Math.round(e).toLocaleString("en-US",{maximumFractionDigits:0})),f=[{id:1,text:"Average new-vehicle lease payment $619/month, average new-lease term 36.66 months, and leases at 24.10% of financed new vehicles (down from 25.78% in Q1 2025), Experian State of the Automotive Finance Market, Q1 2026.",url:"https://www.experian.com/content/dam/noindex/na/us/automotive/finance-trends/2026/experian-2026-q1-2026-safm.pdf"},{id:2,text:"Advertised lease deals in August 2026 mostly required $3,999 to $5,000 due at signing, a figure that usually bundles the first payment, the bank’s acquisition fee, and title and registration.",url:"https://www.findthebestcarprice.com/zero-down-lease-deals/"},{id:3,text:"Disposition fee at turn-in: typically $350 to $500, usually waived only if you buy the car.",url:"https://www.sofi.com/learn/content/what-is-a-lease-disposition/"},{id:4,text:"Maintenance, repair, and tires average 11.04 cents per mile (about $110 a month at 1,000 miles), AAA Your Driving Costs, 2025; annual registration renewal commonly adds $125 to $200 depending on state. AAA’s figure includes an extended warranty and a tire set, so it can overstate upkeep for a newer car under factory warranty, which is why the default sits at $120 rather than the sum.",url:"https://newsroom.aaa.com/2025/09/aaa-new-vehicle-costs-drop-to-11577/"},{id:5,text:"Early lease termination mechanics: the Federal Reserve’s Keys to Vehicle Leasing notes early-termination charges “can amount to thousands of dollars”. The timeline above uses the contract’s default remedy, remaining payments plus the disposition fee; some banks discount payoffs or permit transfers.",url:"https://www.federalreserve.gov/pubs/leasing/resource/consider/endclosed_info7.htm"},{id:6,text:"U.S. Bank’s published worked example of returning a leased vehicle early totals $10,820.68.",url:"https://www.usbank.com/vehicle-loans/auto-loans/auto-leasing/returning-a-leased-vehicle-early.html"}],g=[{q:"What is the difference between a car subscription and a lease?",a:"A lease is a fixed multi-year contract, usually 36 months, with money due at signing, mileage penalties, a disposition fee at turn-in, and early-termination charges if life changes. A car subscription is a month-to-month service: one start fee, one payment that includes registration, routine maintenance, and roadside assistance, and it ends with 14 days of notice instead of a contract buyout."},{q:"Isn’t a subscription just an expensive lease?",a:"On pure monthly cost, a lease on a comparable car will usually be lower, and if you’re certain you want one car for exactly 36 months at predictable mileage, a lease is the right call. The subscription monthly buys a different thing: maintenance included, insurance available inside the subscription for an additional fee (a lease requires coverage you buy separately), and a term of one month that renews for as long as you want. You’re paying for the option to leave and the right to stay."},{q:"Is a car subscription cheaper than leasing?",a:"Not always. Keep a 36-month lease for all 36 months and its monthly usually wins. Count what the payment hides, the money due at signing, fees at turn-in, upkeep, and above all the cost of leaving early, and the gap narrows or flips. The shorter your real horizon, the more the subscription wins."},{q:"Can I lease a car for 6 months?",a:"Rarely. Banks almost never write 6-month leases, and short-term lease transfers depen

1d on someone else’s contract and the lessor’s approval. A month-to-month subscription is the practical way to have a car for six months: subscribe, drive, give 14 days of notice when you’re done."},{q:"What does it cost to get out of an Autonomy subscription?",a:"Nothing beyond your 14-day notice after the 31-day minimum hold. There’s no early-termination charge, no disposition fee, and no wear-and-tear settlement ritual like a lease turn-in."},{q:"What happens at the end of a lease vs a subscription?",a:"A lease forces a decision at month 36: return the car and pay the disposition fee plus any wear-and-tear and mileage charges, buy it, or start another contract. A subscription has no end unless you end it; keep the car month to month for as long as you want."},{q:"Does a car subscription include insurance?",a:"Insurance is not included in Autonomy’s posted price; it’s available inside the subscription for an additional fee. A lease doesn’t include insurance either, and lessors require full coverage you buy separately, so the comparison on this page excludes insurance from both sides."},{q:"Does a subscription affect my credit like a lease?",a:"There’s no auto loan or lease obligation on your credit file. You can pay with a credit card, which traditional leases generally don’t allow."}],_=[{label:"Commitment",ours:"Month to month after a 31-day minimum",lease:"Fixed 3-year term, 36.7 months on average"},{label:"Money at signing",ours:"One start fee, $1,000 to $3,000 depending on plan",lease:"Typically $3,999 to $5,000 due at signing on advertised deals"},{label:"Getting out early",ours:"14-day notice, return the car, done",lease:"The contract’s default remedy is the remaining payments plus fees, often thousands of dollars"},{label:"What happens at the end",ours:"Nothing ends unless you end it. Keep the car as long as you want",lease:"A forced decision at month 36: return it, buy it, or re-lease, plus a disposition fee and wear-and-tear reconciliation"},{label:"Debt and credit",ours:"No loan, no debt on your credit file. Pay with a credit card",lease:"Credit application and a multi-year obligation on your file"},{label:"Maintenance",ours:"Routine maintenance included",lease:"On you after the included-service window, plus wear-and-tear chargebacks at return"},{label:"Insurance",ours:"Available inside the subscription for an additional fee",lease:"Purchased separately; full coverage required by the lessor"},{label:"Mileage",ours:"1,000 miles per month included, per-mile rate above that",lease:"Annual caps with per-mile penalties at turn-in"},{label:"Switching cars",ours:"End one subscription, start another. No trade-in, no payoff math",lease:"Locked to one car for the term"}];function w(){let[e,s]=(0,t.useState)(12),a=619*(36-e)+400,i=(0,t.useMemo)(()=>Array.from({length:36},(e,s)=>s),[]);return(0,n.jsxs)("div",{className:v().timeline,children:[(0,n.jsxs)("div",{className:v().timelineHead,children:[(0,n.jsx)("label",{htmlFor:"vs-month",children:"Your plans change at month"}),(0,n.jsx)("strong",{children:e})]}),(0,n.jsx)("div",{"aria-hidden":"true",className:v().track,children:i.map(s=>(0,n.jsx)("i",{className:s<e?v().lived:void 0},s))}),(0,n.jsx)("input",{"aria-valuetext":"month ".concat(e,": the lease still collects up to ").concat(j(a),"; the subscription collects $0"),className:v().range,id:"vs-month",max:35,min:1,onChange:e=>s(Number(e.target.value)),step:1,type:"range",value:e}),(0,n.jsxs)("div",{className:v().timelineVerdicts,children:[(0,n.jsxs)("div",{className:v().tv,children:[(0,n.jsx)("p",{className:v().tvLabel,children:"The lease still 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Here’s the whole picture, line by line, with 2026 numbers from Experian, the Federal Reserve, and AAA, an interactive exit-cost timeline, and a verdict that admits when a lease genuinely wins."})]})}),(0,n.jsxs)("div",{className:m().container,children:[(0,n.jsxs)("section",{"aria-labelledby":"vs-verdict",children:[(0,n.jsx)("div",{className:v().actHead,children:(0,n.jsxs)("h2",{id:"vs-verdict",children:["01 ",(0,n.jsx)("span",{children:"\xb7 The verdict"})]})}),(0,n.jsxs)("div",{className:v().verdict,children:[(0,n.jsxs)("div",{className:v().verdictSplit,children:[(0,n.jsxs)("div",{className:v().vCell,children:[(0,n.jsx)("p",{className:v().vKicker,children:"A lease is"}),(0,n.jsx)("p",{className:v().vLine,children:"a 36-month debt obligation with fees at both ends."})]}),(0,n.jsxs)("div",{className:"".concat(v().vCell," ").concat(v().vCellOurs),children:[(0,n.jsx)("p",{className:v().vKicker,children:"A car subscription is"}),(0,n.jsx)("p",{className:v().vLine,children:"a month-to-month service with one start fee and one all-in payment."})]})]}),(0,n.jsx)("p",{children:"The honest version: keep a 36-month lease for all 36 months at predictable mileage and its monthly payment usually beats a subscription. 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The track below uses the sourced national averages; the"," ",(0,n.jsx)(r(),{href:"/car-subscription-calculator",prefetch:!1,children:"car subscription calculator"})," ","runs the same math on your own quote."]}),(0,n.jsx)(w,{})]}),(0,n.jsxs)("section",{"aria-labelledby":"vs-anatomy",children:[(0,n.jsx)("div",{className:v().actHead,children:(0,n.jsxs)("h2",{id:"vs-anatomy",children:["03 ",(0,n.jsx)("span",{children:"\xb7 The anatomy of the payment"})]})}),(0,n.jsx)("h3",{className:v().actTitle,children:"The ad shows a payment. You pay the whole column."}),(0,n.jsx)("p",{className:v().actIntro,children:"Spread the money due at signing and the turn-in fee across the term, add the upkeep a lease leaves with you, and the average lease costs about a third more per month than its advertisement. Insurance is excluded from every bar; a lease requires full coverage you buy separately, and with Autonomy it’s available inside the subscription for an additional fee."}),(0,n.jsx)(N,{best:s})]}),(0,n.jsxs)("section",{"aria-labelledby":"vs-ledger",children:[(0,n.jsx)("div",{className:v().actHead,children:(0,n.jsxs)("h2",{id:"vs-ledger",children:["04"," ",(0,n.jsx)("span",{children:"\xb7 Car subscription vs lease, line by line"})]})}),(0,n.jsxs)("table",{"aria-label":"Car subscription vs 36-month lease, term by term",className:v().ledgerTable,role:"table",children:[(0,n.jsx)("caption",{children:"Autonomy terms are live product terms; lease terms reflect typical U.S. 36-month closed-end leases, sourced below."}),(0,n.jsx)("thead",{role:"rowgroup",children:(0,n.jsxs)("tr",{role:"row",children:[(0,n.jsx)("th",{role:"columnheader",scope:"col",children:(0,n.jsx)("span",{className:m().srOnly,children:"Term"})}),(0,n.jsx)("th",{className:v().oursHead,role:"columnheader",scope:"col",children:"Autonomy subscription"}),(0,n.jsx)("th",{role:"columnheader",scope:"col",children:"36-month lease"})]})}),(0,n.jsx)("tbody",{role:"rowgroup",children:_.map(e=>(0,n.jsxs)("tr",{role:"row",children:[(0,n.jsx)("th",{role:"rowheader",scope:"row",children:e.label}),(0,n.jsx)("td",{className:v().oursCell,"data-side":"Autonomy",role:"cell",children:e.ours}),(0,n.jsx)("td",{"data-side":"Lease",role:"cell",children:e.lease})]},e.label))})]})]}),(0,n.jsxs)("section",{"aria-labelledby":"vs-decide",children:[(0,n.jsx)("div",{className:v().actHead,children:(0,n.jsxs)("h2",{id:"vs-decide",children:["05 ",(0,n.jsx)("span",{children:"\xb7 Which one fits you"})]})}),(0,n.jsx)("h3",{className:v().actTitle,children:"Three questions. 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1),(0,n.jsxs)("div",{className:v().carsBand,children:[(0,n.jsx)("h3",{children:"Run the comparison against a real car."}),(0,n.jsx)("p",{children:"Every Autonomy vehicle posts its plans in the open: one start fee, one monthly, month to month. Pick a car or run your own lease quote through the calculator."}),(0,n.jsx)("div",{className:v().carLinks,children:a.map(e=>(0,n.jsx)(r(),{href:e.href,prefetch:!1,children:e.label},e.href))}),(0,n.jsx)(r(),{className:v().calcBtn,href:"/car-subscription-calculator",prefetch:!1,children:"Open the calculator"}),(0,n.jsxs)("p",{className:v().hubLine,children:["Or browse"," ",(0,n.jsx)(r(),{href:"/vehicles",prefetch:!1,children:"every car subscription in the lineup"})," ","and"," ",(0,n.jsx)(r(),{href:"/electric",prefetch:!1,children:"electric car subscriptions"}),"."]})]})]}),(0,n.jsxs)("section",{"aria-label":"Common questions",className:m().faq,children:[(0,n.jsx)("h2",{children:"Common questions"}),g.map(e=>(0,n.jsxs)("details",{children:[(0,n.jsx)("summary",{children:(0,n.jsx)("h3",{children:e.q})}),(0,n.jsx)("p",{children:e.a})]},e.q))]}),(0,n.jsxs)("section",{"aria-label":"Sources and fine print",className:m().finePrint,children:[(0,n.jsx)("h2",{children:"Sources & fine print"}),(0,n.jsx)("ol",{children:f.map(e=>(0,n.jsxs)("li",{id:"vs-source-".concat(e.id),children:[e.text," ",(0,n.jsx)("a",{href:e.url,rel:"noopener noreferrer",target:"_blank",children:"source"})]},e.id))}),(0,n.jsx)("p",{children:"Lease figures are national averages and typical terms, not a quote; your numbers vary by car, credit, and state. Autonomy claims are live product terms: 31-day minimum, 14-day notice, 1,000 miles a month included with a $0.25 per-mile rate above that, registration, routine maintenance, and roadside assistance included, insurance available for an additional fee. Subscription pricing shown is a real posted plan named with its car; model year and condition vary by car, subject to approval and availability. This page compares leasing with subscribing only; Autonomy does not offer leases or financing. Figures compiled August 2026."}),(0,n.jsx)("p",{className:v().updated,children:"Last updated August 18, 2026."})]})]})]}),(0,n.jsx)(c.Z,{})]})]})}},90702:function(e){e.exports={actHead:"vsLease_actHead__pEwwv",actTitle:"vsLease_actTitle__e1aXy",actIntro:"vsLease_actIntro__zXy4I",verdict:"vsLease_verdict___e5Ai",verdictSplit:"vsLease_verdictSplit__JKkx_",vCell:"vsLease_vCell___MqR2",vKicker:"vsLease_vKicker__N7loc",vCellOurs:"vsLease_vCellOurs__9EHVc",vLine:"vsLease_vLine__VVbRg",timeline:"vsLease_timeline__UcmDL",timelineHead:"vsLease_timelineHead__3ZQVW",track:"vsLease_track__dChmW",lived:"vsLease_lived__7Kp7o",range:"vsLease_range__EozbV",timelineVerdicts:"vsLease_timelineVerdicts__F5gMM",tv:"vsLease_tv__QQ2cZ",tvLabel:"vsLease_tvLabel__JR_kW",tvNum:"vsLease_tvNum__jHrks",tvFine:"vsLease_tvFine__0PYCV",tvOurs:"vsLease_tvOurs__twixv",anatomy:"vsLease_anatomy__MDA2E",bar:"vsLease_bar__5vaTv",barLabel:"vsLease_barLabel__So2TV",plot:"vsLease_plot__A2cEC",barNum:"vsLease_barNum__2TJiZ",stack:"vsLease_stack__L2okG",seg:"vsLease_seg__T1BHt",segAlt:"vsLease_segAlt__78sfj",segOurs:"vsLease_segOurs__lLJHX",segTip:"vsLease_segTip__ft_DU",barFine:"vsLease_barFine__gGEB0",ledgerTable:"vsLease_ledgerTable__So0SW",oursHead:"vsLease_oursHead__21c7m",oursCell:"vsLease_oursCell__pEknb",decide:"vsLease_decide__pMcqE",decideRow:"vsLease_decideRow__n9yQk",decideSeg:"vsLease_decideSeg__jHe_B",decideVerdict:"vsLease_decideVerdict__L5jvx",numbers:"vsLease_numbers__jv1uz",stat:"vsLease_stat__fQMWw",statNum:"vsLease_statNum__4_Pqa",statOurs:"vsLease_statOurs__8tIeX",statLabel:"vsLease_statLabel__Xtw6C",carsBand:"vsLease_carsBand__nUV_f",carLinks:"vsLease_carLinks__gfMMC",calcBtn:"vsLease_calcBtn__sVnw_",hubLine:"vsLease_hubLine__wCSxN",updated:"vsLease_updated__zT31m"}}},function(e){e.O(0,[7311,6176,7842,1664,1106,5703,1485,9609,8312,8100,3597,4565,1635,2128,5455,4010,1832,6698,9940,2888,9774,179],function(){return e(e.s=76363)}),_N_E=e.O()}]);