Lease vs Buy Honda Civic — 36 Months
Comparing a $350/month lease (36 months, $1,000 down) versus buying a Honda Civic at $430/month ($2,000 down) with a $12,000 resale value — buying typically comes out ahead.
How to use this tool
- Enter the monthly lease payment and any upfront cash due at signing.
- Enter the equivalent loan payment and down payment if buying.
- Enter the expected resale value of the vehicle at the end of the term.
- A positive difference means leasing costs more; negative means buying costs more.
The Honda Civic is one of the most popular cars to lease or finance — compare the true 36-month cost of leasing versus buying to make the smarter financial choice.
Frequently asked questions
- Is it cheaper to lease or buy a car?
- Buying is typically cheaper over the long run because you build equity and keep the vehicle's resale value. Leasing has lower monthly payments but you never own the car.
- What costs does the lease total include?
- This calculator adds all monthly payments plus upfront costs. It does not include insurance, maintenance, or disposition fees at lease end, which add to the true lease cost.