Depends on your situation. If you can afford higher monthly payments, and if you intend to keep the car for more than 5 years then, in my opinion you should do a purchase contract, if especially they offer a special financing. When we purchase, we pay finance charges, like 3,6% or whatever. when we lease the car we pay what they call a money factor, just to confuse consumers more, those money factor you can convert to % in conventional financing, and i'm almost certain it will turn out much higher compare to purchasing. Good luck