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Here's how we structured the different deals: Leasing: The average midsize car lease is based on a car that sells for $24,775 with drive-off fees of $1,154. This results in a $294 monthly payment for three years. Buying New: When buying the same car, the average down payment on a five-year loan is $4,104. The average interest rate is 1.64 percent, resulting in a monthly payment of $400. Buying Used: The average price of a similar 3-year-old midsize sedan is $15,688. The average interest rate is much higher: 6.04 percent.
A 24-month lease is rarely much different from a long term lease except for the length of the lease. Long Term Lease. A long term lease is considered to be a lease longer than 24 months. In many cases, this means three, four or even five years, although three to four years is the average length of time for a car lease.