Why Canadians trust LeaseOrFinance.ca
Built to give you the edge before you set foot in a dealership.
Live data, not guesses
We search current manufacturer incentives, Bank of Canada rates, and real depreciation curves every time.
Zero dealership ties
No referral fees. No manufacturer payments. No sponsored results. Ever.
Province-specific math
HST, GST, PST — tax treatment of leases vs purchases varies by province. We factor it all in.
Canadian rates only
We ignore US data. Canadian lenders, Canadian OEM programs, Canadian market conditions.
No upsells, ever
No premium tier, no "unlock full report" paywalls. The full analysis is always free.
Results in 30 seconds
Our AI analyzes live data and delivers a specific, actionable recommendation — not a vague comparison.
How it works
Four steps. Thirty seconds. One clear answer.
Select your vehicle
Choose your make, model, year, and trim. We support every brand sold in Canada.
Tell us your situation
Annual KMs, province, down payment, credit score range, and how you use the car.
We fetch live data
Current manufacturer lease rates, OEM incentives, Bank of Canada prime rate, and depreciation history.
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.