Buying vs. Leasing — What’s the Difference?

If you’re like most folks in Naperville or Montgomery shopping for a new vehicle, then there’s a good chance that you’re working on a budget. This means you probably won’t be paying for your new car up front. Instead, most people who shop here at River View Ford will choose to finance or lease their new vehicle.

Finance Contact Us

Benefits of Buying

Many people who come to our dealership from Yorkville and the surrounding areas want to finance their vehicle. There are a variety of different advantages, including:

  • Ownership – Each monthly payment you make on a financed vehicle is helping you build equity. By the time you finish paying off the vehicle — usually 36, 48, or 60 months — you’ll own the car outright.
  • Customization – When you own your car, you can do what you want with it. Add a custom paint job, put in a custom stereo system, or install performance-enhancing equipment. You won’t be penalized for making it your own.
2018 Ford Mustang Interior 2

Benefits of Leasing

The other option is to lease a vehicle. With this option, you borrow the car for a period of time and have the option to purchase it or return it when the lease term is up. There are also a variety of different advantages to leasing as well:

  • Affordability – In general, vehicle leases come with lower down payments and lower monthly payments. This means that you can afford to drive a nicer vehicle for less, while keeping more money in your account every month.
  • Newest Features – Leases usually come with shorter terms than financing plans, usually 24 or 36 months. This means that as soon as your lease is done, you can bring it in and get a new lease on a vehicle with the latest technology, performance, and design features installed.
2018 Ford Mustang Exterior 2

Explore Your Finance Options at River View Ford

Which is the better option for your next car? Visit River View Ford to take a test drive and chat with our finance staff about the differences between financing and leasing. Contact us to learn more or visit our showroom in Oswego.

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What Our Customers are Saying

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DealerRater Oct 15, 2018

I worked with Craig Holsman and Pattie for the lease of my new Expedition. The process was smooth and absolutely pain free! Craig was very responsive and up-front. I didnt feel pressure or deceived as I have historically with the car-buying process. Craig went above and beyond my expectations and I couldn't be happier. I would very highly recommend River View Ford and Craig and Pattie. I'll be back in 3 years when my lease is up!

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Google Oct 13, 2018
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Google Oct 10, 2018

The service people were very helpful and courtious. My car was ready as promised. The only 2 reasons for only 4 stars (1) we called to get an update and some clueless person told us they ran into problems and our car would not be ready until late in the evening. (2)I was told they would bring my car around, and left me standing for over 10 minutes, until I went back in to ask what's the holdup!!!!!

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Google Oct 9, 2018

absolutely the best treatment in customer service I have ever had!

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Google Oct 9, 2018

Sales team was great. Very friendly bunch of guys. Very fair trade offer on our Camry. We used the Costco auto buying and it was a great program and Craig was a pleasure to deal with. Only negative I can say is it was not very clean when delivered. It was a crappy day, but there were dirty shoe marks on the door sills and the roof looks like it has never been washed. Other than that minor thing, it was a really good car buying experience!

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Google Sep 23, 2018

Aldo and Jack did a great job of finding the car we were looking for. They were very patient and diligent. Thank you!

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Google Sep 20, 2018
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DealerRater Sep 19, 2018

Craig Holsman went above our expectations in providing us with the best vehicle for our company's needs. We have purchased many vehicles before, but this experience was painless! The process from finding the vehicle, through walking out the door with keys in hand was seamless. No gimmicks. Thank you, Craig!

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DealerRater Sep 18, 2018

I've been doing business with River View (River Oaks) Ford since the mid 80's. Although I live in Indiana, when my car needed service they arranged to pick it up and leave a loaner. Mike G. kept me updated regularly on the status of the service and brought attention to some issues I was unaware of without trying to upsell. I always receive courteous and professional service, even without dropping names. I think they should offer a buy 10 get 1 free deal, but I still love these guys.

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Google Sep 17, 2018

Get into the Zone

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2200 US Highway 30 • Oswego, IL 60543

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Today's Hours:

Open Today! Sales: 9am-9pm

Open Today! Service: 7:30am-6pm

Open Today! Parts: 7:30am-6pm

[schema type="organization" orgtype="LocalBusiness" url="" name="River View Ford" description="" street="2200 US Highway 30" city="Oswego" state="IL" postalcode="60543" country="United States" email="" phone="888-994-1003" logo=""]
River View Ford
River View Ford
2200 US Highway 30
Oswego, IL, 60543 United States
River View Ford 37.1717374, -95.1100793.