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Leasing Decline Has Short-Term and Long-Term Implications

Dec 24, 2025Car Financing News103 comments

Leasing is an important financing option for potential shoppers in the new-vehicle market. New vehicles financed through an auto loan generally have a higher monthly payment. Thus leasing provides an affordable “bridge” to new vehicles for people who cannot afford to purchase outright.

Additionally, leasing has been an important option for potential buyers who don’t want to commit to a vehicle, its aging technology, and its purchase contract for more than three years.

One would think that a short-term commitment, a lower monthly payment, and access to all the latest technology would make leasing especially popular in our current volatile economic climate. However, this has not been the case, as leasing’s role in the post-COVID marketplace has declined substantially, and there will be long-term consequences.

During the boom years of 2015-2019, when annual new-vehicle sales averaged nearly 17.3 million units, nearly 30% of all retail sales were leased. However, in the years since, the importance of leasing in the market has changed significantly.

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Joseph Yoon, consumer insights analyst at Edmunds, told FOX Business that shoppers are contending with the highest average monthly payments and highest average loan balances ever seen at Edmunds. The company’s data from October, the most recent on record, showed that the average monthly payment for a new vehicle reached a new all-time high of $766. The average amount financed toward a new vehicle also topped a new record at $43,218. 

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The price of new cars and trucks in the U.S. has increased 33% since 2020, and consumers are piling on interest as they stretch out loan terms to eight, nine and nearly 10 years.

David Kelleher, who runs a Dodge and Jeep dealership in Glen Mills, Pa., 27 miles west of Philadelphia, said many American families can’t comfortably take on a new-car payment these days.

“We don’t have $300 monthly payments any longer in new vehicles,” he said. “It’s a thing of the past.”

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