Cars · Lease vs Buy
Audi A4: lease vs buy
Typical lease terms and what the math looks like over 5 years — adjust to match your specific dealer offer.
Typical Audi A4 lease parameters
| Parameter | Typical Lease | Typical Purchase |
|---|
| Price / Cap Cost | $42,000 | $41,500 |
| Monthly payment | ~$519/mo | ~$728/mo (6.5% APR, 60mo) |
| Residual value | 50% MSRP (~$21,000) | Est. $17,640 in 5 yrs |
| Money factor / equiv APR | 0.00160 (~3.8% APR) | Market rate (~6-7%) |
Audi Financial Services frequently promotes A4 leases, often with money factors below the equivalent loan APR. Audi models depreciate 20-30% after 3 years — which paradoxically makes leasing more attractive, since you avoid the steepest depreciation period.
10,000 mile/year caps are common on Audi leases. Confirm your annual mileage before committing.
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