LeaseOrFinance.ca - The data-backed verdict on your next car: Lease or Finance? | Product Hunt

Should you lease or finance your next car?

The complete AI powered calculator

Find My Best Option →

Free · No signup · No dealership affiliation

Canadians overpay by $3,200–$8,000 on average due to financing structure, unnecessary add-ons, and inflated residuals. Walk in prepared.

Built to give you the edge before you set foot in a dealership

No affiliations. No upsells. Just the math.

Key Differentiator

Zero dealership ties

No referral fees. No manufacturer payments. No sponsored results. Ever.

Key Differentiator

Results in 30 seconds

Our AI delivers a specific, actionable recommendation — not a vague comparison.

Key Differentiator

Province-specific math

HST, GST, PST — tax treatment of leases vs purchases varies by province. We factor it all in.

Live data, not guesses

We pull current manufacturer incentives, Bank of Canada rates, and real depreciation curves.

No upsells, ever

No premium tier, no paywalls. The full analysis is always free.

Canadian rates only

We ignore US data. Canadian lenders, Canadian OEM programs, Canadian market conditions.

How it works

Four steps. Thirty seconds. One clear answer.

01

Select your vehicle

Choose your make, model, year, and trim. We support every brand sold in Canada.

02

Tell us your situation

Annual KMs, province, down payment, credit score range, and how you use the car.

03

We fetch live data

Current manufacturer lease rates, OEM incentives, Bank of Canada prime rate, and depreciation history.

04

Get your recommendation

A specific answer: "Finance 60 months at X% with $Y down" or "Lease 36 months." Plus dealer tips and a full scorecard.

Analyze My Vehicle →

Common questions

Is leaseorfinance.ca really free?

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Yes, 100% free. No signup, no credit card, no catch. We built this because Canadians deserve unbiased information before walking into a dealership. We may add optional features later but the core tool will always be free.

How is this different from a dealership's finance calculator?

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What data sources do you use?

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Is leasing or financing generally better in Canada?

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How does province affect the recommendation?

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Can I trust this for a major financial decision?

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🇨🇦

Walk into that dealership
knowing exactly what you want.

It takes 2 minutes. No account needed. Get your personalized lease vs finance recommendation right now.

Analyze My Vehicle — It's Free →

No signup · No credit card · No ads · No BS