 TITLE: How Can I Get a Low Car Payment? CONTENT: Consider Leasing a Car\n----------------------\nLeasing a car can help you lower your car payment. Here's how a car lease works: You'll make monthly payments during the term of your lease. Once the term is over, you can return the car, buy it, extend the lease or trade it in for a new lease. Since you'll only be paying for the time you'll be driving the car, you can enjoy far lower monthly payments with a lease.\nIn addition to lower monthly payments, a lease offers fewer repair expenses because most maintenance and repairs will be covered by your warranty. A lease can also give you the chance to save money on sales tax and drive a new or luxury car that you may not be able to afford otherwise.\nOne of the greatest drawbacks of a lease is that it limits how much you can drive. While you can drive a car that you buy as frequently as you like, a lease will typically restrict you to 10,000 or 12,000 miles a year. A lease can also be more expensive in the long run because you'll always be making a car payment and won't have any positive equity that you can use toward your next car. END