if you can get the loan amount under $200k, you can qualify for a traditional auto loan with a bank or credit union. That does require a hefty down payment. Otherwise you’re looking at speciality lenders like Woodside who charge crazy interest rates as well. If you’re there, you’re pushing the affordability imho (everybody has their own risk tolerance and circumstances). I’d recommend a SBLOC instead of a 7+% interest rate … A bunch of members here have used Woodside, and I feel like they succeeded to keep monthly payments low(er) at the cost of building up asset equity. Basically it’s a lease by a different name.Low 2s would probably be about right in the current interest rate environment. A year ago, I got a 2.7% APR on my loan, but that was to buy, not lease. I'm guessing if I was doing that deal today I might be paying around 5%. I wish there was a way to up that same loan to get into an Artura!
Normal people auto finance system isn’t really well suited to cars costing a midwestern house.