Whatever the variables - interest, depreciation, miles driven, accidents, etc. the financing companies will usually be better at the analysis than most of us on the forum. They don’t lease to lose money.

 

That is decent advice for people who are terrible at managing money, but bad advice otherwise. All things being equal, if I can get a lower APR on my vehicle loan than the standard average for market (or even more conservatively, high yield savings/CD rates) returns, then my money is better allocated there than in a depreciating asset.