Sounds like you can’t afford the car if you don’t have much cash available for a down payment and need to finance for 60 months to get payment that’s comfortable for you. I’ve leased and financed in the past. When I finance I never make it longer than 48 months. Otherwise you run the risk of being upside down. My general rule for lease vs buy: lease if you’re keeping the car 3 years, buy if you’re keeping more than 6 years, anything in between is a wash.
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