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Should I lease or finance?

Discover the financing option that’s right for you

When it comes to leasing or financing a Cadillac, you have the freedom to choose. We’ve put together a “Lease or Finance Comparison” chart below to help you compare the best financing options. 

If you already know if you want to lease or finance your Cadillac, save time at the dealership by filling out an online prequalification application.

If you are currently on active duty, please see our Servicemembers Civil Relief Act (SCRA) page for more information.

Lease or Finance

Lease or Finance Comparison



Gives you the freedom to:
Gives you the freedom to:

Experience the latest more often

Contracts to finance a vehicle can last from four to seven years, but lease contracts typically run only two to three years. Gain access to the newest/latest innovation in Cadillac technology, performance and craftsmanship.

Apply your personal touch

If you like to add a personal touch to your vehicle with cosmetic alterations, financing might be your best choice.

Pay for the best miles

With a monthly lease payment that reflects your lessee profile, you’re paying for the best part of your Cadillac’s life: when it’s new and usually under warranty. Keep in mind there will be a lease mileage limit during the life of your lease.

Drive without limits

Mileage limits exist on all leases, but some drivers don’t want to worry about keeping track of how much they drive. For those owners, financing a Cadillac makes more sense.

Potentially save money

Because you’re paying to drive a leased Cadillac for a fixed period, lease payments are typically lower than with financing. Ask your Cadillac dealer to walk you through the cost difference of leasing versus financing.

Worry less about wear

Depending on a lease agreement, you may have to make repairs to a vehicle if you have excess wear. Many repairs are optional if you finance a vehicle.

Worry less about depreciation

There is some truth to the adage that a vehicle decreases in value as soon as it leaves the lot. If you lease a Cadillac to the end of your agreement, you can drive without worrying about a decrease in value.

Build equity

Many drivers want to build equity by owning a vehicle outright. Once you make your last financing payment, you’ll own your Cadillac or have the option to trade it in.

This information is for general information purposes only. For specific limitations, rules and restrictions on specific financing, contact your Cadillac dealer.

I Want to Lease

Leasing flexibility fits many drivers. Find out if leasing is the right choice for you.


I Want to Finance

Ready to finance a new Cadillac? Learn the next steps.

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