Welcome to MotorCarsFinancial.com

Motor Cars Financial is a luxury highline automobile lease dealer that specializes in luxury car leases, financing and re-financing of used , slightly preowned, certified, lease returns and luxury program cars. We also lease new ultra luxury cars as well as exotic supercars.

You do not have to purchase a vehicle through us to finance with us. You can purchase your car from us, a dealership, a private seller, or auction. We process leases and loans nationwide from the comforts of your home or office via email.

Buy or lease - Savings account or no savings account

Buying a car with a loan is essentially like putting money into a declining-value savings account — you never get out as much as you put in. A portion of every payment you make is lost to depreciation. What you have "to show" for your investment when your loan is paid off is only the part that is left over after depreciation. A terrible investment by any measure.

Auto leasing, then, is similar to buying, but without the "savings account." You only pay for what you use. It's true that you'll own nothing at the end of a lease; you have nothing "to show" for the money you've put into it. But... what you don't own is the same part of the car — the depreciated part — that a buyer too doesn't own at the end of his loan.

With auto leasing, you at least have the option of putting your monthly payment savings into more productive investments, such as mutual funds or stocks that have the possibility of increasing in value. In fact, many experts encourage this practice as one of the benefits of leasing, though most people will typically find other uses for the money they save by auto leasing — such as paying the rent or buying groceries. 

What are the tax benefits of leasing a vehicle?

 If you own your own business or simply use your vehicle for business, you can write off 100% of your car lease payment, to the percentage of business use. That can be a substantial amount of savings at the end of the year or every quarter on all your car lease payments, insurance, vehicle maintenance, and even fuel!  If you purchase your vehicle, you may only, merely deduct a percentage of the depreciation, to the percentage of business use from your taxes. Why pay Uncle Sam any more than necessary?

Can I lease a car if I have bad credit?

There are many variables to every loan we do. Some more difficult than others. But that's why we are the pros at what we do best. We have handled all different types of credit and we have a solution to fit all most everyone's situation. Let's make it simple by moving forward with an auto lease application. someone from our office will be in touch with you soon after.

Is auto leasing just a trend or is it here to stay?

Here are some facts and a little knowledge of where trends are taken us.

The average Automobile price tag or MSRP today is much higher than ever before. In 1989 any car over $12,500 was considered by the IRS to be a luxury automobile. A financed car at the selling price of $10,000 and an average interest rate of 10% , in that day and time, for a term of 48 mos. was $250 per month. With the ever growing price tag of new and pre-owned vehicles today. The average person financing a car at 7% interest can not afford to finance these high ticket items. And with inflation of the all mighty dollar surpassing the depreciation of these assets, they must and need to lease. The average price MSRP today is over $20,000++ with a 48mo term retail finance payment growing over $500 per month. It is stated throughout Industry and Economic articles, that over 50% of all cars today with a price tag of over $25,000 are leased and within the near future with the rising cost of technology to build bigger, better, faster and while trying to meet government and the economical need of motorist, the price of automobiles will soar beyond our imagination.

In 1978 Mercedes Benz’s new 450SL had a Window Sticker over $20,000 and the general public stood back in shock and said “who in their right mind will ever pay that much for a car”? Even today automobiles Sticker Shock people more than ever before. The new 2006 Mercedes Benz SL500 will have an average MSRP of $138,000. A new Chevrolet Tahoe Z71 4x4 has an MSRP of over $50,000. That same truck cost $28,000 just a few years back. The price has almost doubled in less then a decade. The market for leasing in this State and across this County is most definitely here to stay. 

How many miles can I drive per year with my vehicle lease?

Generally car leases allow between 12,000 to 15,000 miles per year. If you need to drive more miles than this, you can get more miles, though it may add a few dollars to your monthly payment.

Who will I be financing my lease when I lease at Motor Cars Financial?

We work with a number of national lenders to get you the best lease deal possible. Since we produce such a high volume of car leases each and every month, we have even better rates and residual values than most dealer/manufacture sponsored programs. In essence this helps us to beat most other auto lease programs out there, giving us an edge on the competition.